Tracy Elizabeth Elspass-Collins

Watch for changes

Where they hold approval

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

BOWER RETIREMENT LIMITED
FRN 451607
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- 21. Advising or arranging (bringing about) equity release transactions
- [FCA CF] Functions requiring qualifications (since 29 Jan 2024)
Lighthouse Advisory Services Limited (no longer approved here)
FRN 195199
- CF30 Customer (8 Aug 2013 to 27 Jan 2014)
Lighthouse Financial Advice Limited (no longer approved here)
FRN 225502
- (442)Employed By (8 Aug 2013 to 27 Jan 2014)
St. James's Place Wealth Management Plc (no longer approved here)
FRN 195351
- CF30 Customer (19 Mar 2013 to 24 Jul 2013)
Castlerock Wealth Management (no longer approved here)
FRN 475496
- Employed By (19 Mar 2013 to 24 Jul 2013)
Bank of Scotland plc (no longer approved here)
FRN 169628
- CF30 Customer (1 Nov 2007 to 11 Nov 2012)
- CF21 Investment Adviser (17 Sep 2007 to 31 Oct 2007)

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.