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A firm that carries out regulated business on behalf of another directly authorised one is known as an Appointed Representative and the firm that they work for is known as their Principal Firm. In essence, an Appointed Representative acts as an agent of a Principal Firm.
To become an appointed representative (AR) you need to: Consider which regulated activities you want to carry out and find a principal who has permission to carry out that business. Consider if you want to be an AR or an introducer appointed representative (IAR). An IAR can only carry out a limited range of activities.
An appointed representative (AR) is a firm or person who carries on a regulated activity on behalf, and under the responsibility of, a firm authorised by the FCA (the principal). In appointing an AR, the principal assumes responsibility for the regulated activities the AR carries out.
What is an Appointed Representative (AR)? An Appointed Representative is a firm or person who runs FCA regulated activities by acting as an agent for a firm who is directly authorised by the Financial Conduct Authority (FCA).
A firm that carries out regulated business on behalf of another directly authorised one is known as an Appointed Representative and the firm that they work for is known as their Principal Firm. In essence, an Appointed Representative acts as an agent of a Principal Firm.

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Introduction. 1.1 An Appointed Representative (AR) is a firm1 or person who carries on a regulated activity or activities under the responsibility of an authorised financial services firm. An authorised firm which appoints representatives in this way is referred to as a 'principal'.
An appointed representative (AR) is a firm or person who carries on a regulated activity on behalf, and under the responsibility of, a firm authorised by the FCA (the principal). In appointing an AR, the principal assumes responsibility for the regulated activities the AR carries out.
You can apply to be an appointed representative by contacting companies with full licenses and agreeing to go under the umbrella. Some companies will charge a monthly or annual licensing fee for this privilege and some will prefer to have a percentage or profit or revenue.
An appointed representative (AR) is a firm or person who carries on a regulated activity on behalf, and under the responsibility of, a firm authorised by the FCA (the principal).
Introducer Appointed Representatives (IARs) and The Insurance Distribution Directive (IDD) One of the more significant changes introduced by the IDD is the removal of requirements to regulate certain activities which are required under the Insurance Mediation Directive (IMD).

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