Ricky James Naylor

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Where they hold approval

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

Echo Finance Limited
FRN 570073
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Functions requiring qualifications (since 2 Feb 2026)
- [FCA CF] Functions requiring qualifications (10 Jun 2024 to 3 Nov 2025)
Mortgage Advice Bureau (Derby) Limited (no longer approved here)
FRN 466154
- Appointed representative dealing with clients for which they require qualification (21 Nov 2025 to 28 Jan 2026)
The Finance Roome Limited (no longer approved here)
FRN 745454
- [FCA CF] Client dealing (1 Dec 2020 to 22 Jun 2021)
- [FCA CF] Functions requiring qualifications (1 Dec 2020 to 20 Jun 2024)

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.