Stephen James Howard

Watch for changes

Where they hold approval

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

Mortgage Friendly.Net Limited
FRN 408115
- (1)Employed By (since 22 Jun 2015)
- (3)Employed By (31 Oct 2004 to 10 Nov 2014)
Stonebridge Mortgage Solutions Ltd
FRN 454811
- CF1 Director (AR) (since 22 Jun 2015)
Openwork Limited (no longer approved here)
FRN 408285
- CF4 Partner (AR) (1 Jun 2005 to 22 Jun 2007)
Personal Touch Financial Services Limited (no longer approved here)
FRN 187834
- CF1 Director (AR) (31 Oct 2004 to 10 Nov 2014)

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.