Is UOWN authorised by the FCA?

UOWN is not currently FCA-regulated. Our current model operates as a bridging finance structure, which sits outside the scope of FCA regulation.

Our history: UOWN was previously an appointed representative of an FCA-authorised firm, and we operated under full FCA oversight for several years. That experience shaped how we run the business today.

Best practices retained: Although we are no longer required to meet FCA standards, we have kept all of the investor protection practices, compliance procedures, and governance frameworks we built during our regulated period. We believe these are the right way to operate regardless of whether they're mandated.

What this means for you: Your investments are not covered by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service. However, your funds are protected through ring-fenced SPV structures, and we maintain the same rigorous standards for transparency, due diligence, and investor communication that we always have.

We are transparent about our regulatory status because we believe informed investors make better decisions. If you have any questions about how this affects you, please get in touch.