# What is the FCA reference and why does it matter?

*Source: https://credicorp.co.uk/support/what-is-the-fca-reference-and-why-does-it-matter/*

The Financial Conduct Authority (FCA) is the UK regulator for most consumer-facing financial firms. It maintains a free, public register at register.fca.org.uk where you can look up any regulated firm by name or by its Firm Reference Number (FRN).

## Why it matters to you

The register tells you:

- whether a firm is currently authorised;

- what permissions the firm holds (what it is allowed to do);

- the firm’s address and contact details;

- any disciplinary history.

If you ever want to verify that you are dealing with the genuine Credicorp Limited, the first stop is Companies House (company number 16093826); the FCA register lists firms authorised for consumer-facing activities. The FCA’s *ScamSmart* warnings list also flags clone firms — people imitating real lenders. If anything you receive does not match what is on the register, please [contact us](/contact-us/) using the details on this site before acting on it.

## Our framing

Credicorp Limited provides commercial lending to UK incorporated bodies corporate, which is outside FCA consumer-credit regulation because a company is not an individual or a relevant recipient of credit under Articles 60B and 60L of the FSMA Regulated Activities Order 2001; Credicorp is not authorised or regulated by the FCA for consumer-credit lending and this product is not covered by the Financial Ombudsman Service or the FSCS. The firm’s regulated status and FRN — where applicable — are stated on the relevant regulatory page on this site. If a particular product is offered under a different permission, that is stated in the product’s own pre-contract information.

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Credicorp Limited — UK lender to limited companies (Company No. 16093826). credicorp.co.uk