Welcome to Consumer Credit Licensing online.

Credit regulation is changing. The OFT will continue to regulate consumer credit until 31 March 2014. After this date, responsibility for consumer credit regulation will transfer to the Financial Conduct Authority (FCA). Further details can be found on the OFT website.

Due to this transfer of responsibility, please be aware that Wednesday, 26 March 2014 will be the last day that applications can be made via this website.

Organisations and individuals must not carry out any activities that require a licence before we have issued them with a licence. If your business does not have a licence but is already carrying out an activity that requires one, call the helpline now.

It is against the law to carry out any activity that requires a consumer credit licence before we have issued one. You could be prosecuted and, if any of your customers were to default on a payment, you may not be able to enforce a credit agreement.

Applicants can authorise another person to fill in the form on their behalf. The applicant must give the person who fills in the form an authorisation letter.

The individual who submits a form using this website is responsible for making sure it is accurate and complete. It is an offence to knowingly or recklessly give false or misleading information.

Who needs a consumer credit licence?

You can get information about who needs a consumer credit licence from our website at http://www.oft.gov.uk or from one of our booklets available from the helpline.

What forms are available on this website?

There are forms available on this website to enable you to:

  • Apply for a new licence
  • Renew an existing five-year licence
    If your licence has been issued on an indefinite basis you will need to pay a maintenance charge, rather than renew your licence.
    For more information on maintenance charges please go to http://www.oft.gov.uk/maintenancecharges
  • Notify us of changes regarding your licence or your business
  • Vary your licence to change trading names, licensee name, and licence categories
  • Voluntarily surrender your licence.
The first step is to complete an online application and you will be asked to submit the appropriate fee and any supporting information we require. The licence fee payable is not for the provision of the licence itself but covers consideration of the application. The OFT only issues a licence if it is satisfied that the applicant is a 'fit person' to hold one. We may also make an application of no effect if information requested is not forthcoming. There is no guarantee paying a fee will result in a licence being granted or a refund being made if not. For more information on our Fees and Refunds Policy please click on the following link


You will be prompted to submit supporting documents during the online process. Wherever possible, please upload the requested documents (in the requested format), as this will enable speedier processing of your application. You will still be able to submit such documentation separately via surface mail or e-mail but this will delay the process.

On receipt of your application we will send you an e-mail acknowledgement. Please ensure you provide an e-mail address which you use regularly because we will use it to contact you if further information is required.

You will receive further correspondence from us once all the required information and documentation has been submitted, informing you of the date when we expect to reach a decision on your application. This decision date will vary according to the circumstances of your application and the results of our investigations. Regardless of the decision date, you must not engage in any credit licensing activities without confirmation from the OFT that you are licensed to do so.

Data Protection

The OFT will use the information you supply for the purposes of considering your application for a consumer credit licence. It may also obtain information it considers relevant from other sources (for example, other regulatory, enforcement or public authorities, including the courts and the police). While the Data Protection Act 1998 and section 237 of the Enterprise Act restrict disclosure of such information, they also allow disclosure for a number of purposes without your further consent. For example, the OFT may use the information in connection with enforcement or regulatory action it takes under its own powers or may refer the information to other government departments or regulatory, enforcement or public authorities in connection with the exercise of their functions.

Helpline 08457 22 44 99

Open 9am to 5pm, Monday to Friday

The Financial Conduct Authority (FCA) took over regulation of consumer credit on 1 April 2014.

For more information about this and how to become authorised by the FCA, please go to: