Richard John Jubb

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Where they hold approval

Firms where this individual holds — or has held — an FCA-approved role.

FEAR Financial Ltd
FRN 1012718
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- Appointed representative dealing with clients for which they require qualification (since 2 Jun 2025)
- CF1 Director (AR) (since 7 May 2025)
Breathe Mortgages Ltd
FRN 1032011
- Employed By (since 7 May 2025)
Openwork Limited (no longer approved here)
FRN 408285
- Appointed representative dealing with clients for which they require qualification (11 Nov 2020 to 30 May 2025)

Updates to this individual's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Senior staff at any authorised firm have to be approved by the FCA personally.
Approved individual: Someone the FCA has personally signed off to hold a senior role at an authorised firm — directors, compliance officers and similar. They're held accountable for the firm's conduct.
Controlled functions: The specific senior roles the FCA approves people to hold, like 'Compliance oversight' or 'Money laundering reporting'. Each approval is tied to a particular firm.
IRN: Individual Reference Number — the unique ID the FCA assigns to each approved person. It stays the same as they move between firms.

Information on this page is sourced from the official FCA register.