Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Arranging definition

What does Arranging mean? In legal practice, arranging means putting in place steps that bring about, or are made with a view to, another person buying, selling, subscribing for or underwriting investments. In the UK, it is a regulated activity defined in article 25 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO). It comprises two limbs: arranging (bringing about) deals in investments, and making arrangements with a view to transactions in specified investments, including securities and contractually based investments. Typical scenarios include introductions that result in a deal or operating a platform that enables investors to transact. Carrying on...

Regulated activities of arranging and introductions in UK home finance under FSMA 2000 RAO: RMCs, HRPs, HPPs, SRBAs; MCD override and exclusions

Published by a LexisNexis Financial Services expert

Practice notes

Background to the regulation of home finance transactions

The regulation of home finance transactions developed over a series of milestones. On 31 October 2004—known as M Day—lenders and intermediaries involved with regulated mortgage contracts (RMCs) first became subject to regulation. Subsequently, the Regulation of Financial Services (Land Transactions) Act 2005 gave the financial conduct authority (FCA), and before it the Financial Services authority, powers to regulate activities comparable to those already covered for RMCs, but where the provider acquires land rather than simply supplying funds for a homeowner’s purchase. A 2006 amendment order (SI 2006/2383), effective from 6 April 2007, brought home reversion plans (HRPs) and home purchase plans (HPPs) within the scope of regulation. HRPs are arrangements in which a provider buys an interest in a homeowner’s property and permits the homeowner to continue living in that property. HPPs capture certain Islamic finance structures, such as Ijara or diminishing Musharaka. A further amendment order in 2009 (SI 2009/1342), commencing on 1 July 2009, introduced regulation for sale and rent back agreements (SRBAs). Together, these changes aligned the oversight of arrangements similar to RMCs across differing home finance models...

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Web page updated on 21/05/2026

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