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From GDPR-enforced data protection rules to FCA mandates on fair treatment and timely resolution – we clarify your compliance obligations, so you can continue to pursue growth while maintaining regulator confidence.
Our practical and sector-specific approach enables Claims Management Companies (CMCs) to scale confidently, while consistently meeting the expectations of the FCA. From guiding unauthorised firms entering the regulated space to helping established businesses expand their permissions through a Variation of Permission (VoP), Cosegic guides your business throughout the compliance lifecycle.
With deep sector expertise and regulatory insight, we help CMCs meet critical threshold conditions. For example, establishing robust governance structures, maintaining transparent processes and reporting, ensuring fair treatment of vulnerable customers, delivering comprehensive employee training, and fulfilling prudential requirements such as holding sufficient capital.
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FCA authorisation is your foundation in UK financial services. We bring the expertise, rigour and track record to get you there.
MyCosegic replaces fragmented compliance work with a single operating system where actions, evidence, approvals and oversight live together.
The US market demands SEC compliance across multiple jurisdictions. Our specialists manage the entire process so you can focus on the opportunity ahead.
As your business evolves, we help you identify, apply for and secure the FCA permissions that reflect your next phase of growth.
When ownership changes, FCA approval is non-negotiable. We bring the precision and expertise to make sure it never becomes an obstacle.
When regulatory demands shift or specialist knowledge is needed fast, our ongoing support gives you access to senior compliance expertise.
Providing experienced compliance professionals to strengthen your team and support regulatory priorities.
We help you uncover compliance gaps, demonstrate commitment to fair customer outcomes and ensure your policies withstand regulatory scrutiny.
An independent view of your regulatory position, giving senior leadership the insight to act and strengthen compliance foundations.
Supporting accurate, timely regulatory reporting to help you meet your ongoing compliance obligations.
Practical, proportionate ICARA processes embedded into day-to-day risk management and built to meet regulatory expectations.
Compliant, crisis-ready wind-down strategies that are clear, credible and integrated into your prudential risk management framework.
Practical, regulator-ready support that embeds SM&CR confidently across your organisation, tailored to your firm's specific needs.
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Our Experts
Find answers to the questions we’re asked most often, from our compliance and training services to how we can support your business.
Claims management companies (CMCs) operating in the UK are regulated by the FCA and subject to a broad range of obligations, including FCA authorisation, Consumer Duty, GDPR data protection rules, financial promotions standards, and requirements around the fair treatment of vulnerable customers. CMCs must also meet prudential requirements including holding sufficient capital and maintaining transparent governance structures.
The FCA expects CMCs to treat customers fairly at every stage of the claims process, with particular focus on clear and transparent communication, timely resolution of claims, appropriate handling of vulnerable customers, and fair charging practices. Consumer Duty has further raised these expectations, requiring CMCs to demonstrate positive customer outcomes across their entire business model.
Firms entering FCA regulation for the first time must meet a range of threshold conditions, including demonstrating robust governance structures, maintaining transparent processes and reporting, ensuring the fair treatment of vulnerable customers, and fulfilling prudential requirements. The authorisation process can be complex and time-consuming, making specialist compliance support essential to a successful outcome.
CMCs seeking to expand their regulated activities must apply to the FCA for a Variation of Permission, demonstrating that their governance, systems and controls, and financial resources are adequate to support the proposed expansion. A well-prepared VoP application that clearly articulates the business case and regulatory alignment significantly improves the likelihood of a smooth and timely approval.
Cosegic provides practical, sector-specific compliance support for CMCs at every stage of the compliance lifecycle, from guiding unauthorised firms through the FCA authorisation process to helping established businesses expand their permissions and maintain ongoing compliance. Our deep sector expertise and regulatory insight help CMCs meet critical threshold conditions, scale confidently, and maintain regulator confidence throughout their growth journey.
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