Stephen John Smart

Watch for changes

Where they hold approval

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

White Label Lending Limited (no longer approved here)
FRN 740132
- CF1 Director (20 Sep 2016 to 4 May 2017)
West Bromwich Building Society (no longer approved here)
FRN 104877
- SMF18 Other Overall Responsibility (7 Mar 2016 to 17 Jul 2017)
- CF29 Significant management (5 Jun 2014 to 6 Mar 2016)
- Responsible for Insurance Mediation (5 Jun 2014 to 4 May 2017)
West Bromwich Mortgage Company Limited (no longer approved here)
FRN 303089
- CF1 Director (5 Jun 2014 to 4 May 2017)
- Responsible for Insurance Mediation (5 Jun 2014 to 4 May 2017)

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.