Is your financial promotion ready for the FCA?
A quick sanity check against FCA rules. See what might be a problem, why it matters, and how to fix it — then get an expert view from MEMA if it needs one.
- Images: PNG, JPG, WebP or GIF, up to 10 MB. Sent to our AI scanner — 2 free image scans a day.
- Text: .txt, .md or .html. Read and checked in your browser.
Public https:// pages only. We read the page’s visible text (up to 10,000 characters) — menus, footers and scripts are left out.
Your text is checked in your browser. It never leaves your device.
1Promotion
2Findings
- Missing the crypto risk warning
Cryptoasset promotions to UK consumers must carry the FCA's standard risk warning, shown prominently.
Cryptoasset promotions to UK consumers must carry the FCA's standard risk warning, shown prominently.
How to fix: Add: “Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong.”
- Incentives to invest in crypto are banned
Sign-up bonuses, refer-a-friend rewards and similar incentives can't be used to promote cryptoassets to consumers.
Sign-up bonuses, refer-a-friend rewards and similar incentives can't be used to promote cryptoassets to consumers.
How to fix: Remove the bonus from this promotion entirely.
- Pressure or urgency language
Time pressure can push customers into decisions they don't fully understand.
Time pressure can push customers into decisions they don't fully understand. The FCA expects promotions to support good decisions.
How to fix: Remove the deadline, or give a genuine reason and enough time to decide.
- Every social post must stand on its own
Risk warnings and key information can't rely on a link, a thread or a caption that gets cut off.
Risk warnings and key information can't rely on a link, a thread or a caption that gets cut off.
- Confirm who approves this promotion
Unless an exemption applies, a financial promotion must be made or approved by an FCA-authorised firm with the right…
Unless an exemption applies, a financial promotion must be made or approved by an FCA-authorised firm with the right permission.
3Next step
This promotion has points a regulator would likely question. Fix them, and consider an in-depth review of the framework behind it.
- Financial promotions policy
- Approval & sign-off process
- Record keeping
- Ongoing monitoring
- Sample of live promotions
- FSMA s21
- PERG 8
- COBS 4
- COBS 4.12A
- PRIN 2A Consumer Duty
- CONC 3
- FG24/1
From first draft to expert review.
A quick check that tells you whether there’s an issue — and, if there is, a clear route to an in-depth review of the framework behind your promotions.
Paste
Add your copy, upload an image or enter a URL.
Assess
We check against FCA rules and highlight issues.
Fix
Clear guidance on how to improve.
Review with MEMA
Book an in-depth review of your promotions framework.
Keep the record
Export the report for your files.
See FinProms in 70 seconds
Presented by MEMA’s digital presenter.
Clear reports.
Confident next steps.
Every check gives you rule references, plain-English guidance and how to fix each point. Keep the report for your records — and bring it to an in-depth review with MEMA if it flags issues.
Promotion check report
Sample · Crypto app ad · social media post- 37
- Readiness score
- 5
- Issues found
- 2
- Serious
- 1
- Moderate
- 2
- Minor
Key findings
- Missing the crypto risk warningSeriousCOBS 4.12A
- Incentives to invest in crypto are bannedSeriousCOBS 4.12A
- Pressure or urgency languageModeratePRIN 2A · Consumer Duty
- Every social post must stand on its ownMinorFG24/1
- Confirm who approves this promotionMinorFSMA s21 · PERG 8
MEMA in-depth review
When a check flags issues, we look at the framework behind the promotion, not just the wording.
- Financial promotions policy
- Approval & sign-off process
- Record keeping
- Ongoing monitoring
- Sample of live promotions
Built for every kind of financial promotion.
A quick sanity check, not a sign-off.
FinProms is built for people at FCA-regulated (or soon-to-be-regulated) firms who need to know, fast, whether a promotion has a problem.
What it does
Checks your wording against the FCA rules that most often trip up promotions — fair, clear and not misleading, risk warnings, past performance, Consumer Duty, crypto and credit — and flags likely issues with plain-English reasons.
What it isn’t
Not legal advice, and not an approval. FinProms doesn’t make or approve financial promotions, and MEMA doesn’t approve them through it. You still need approval from an appropriately authorised person under section 21 FSMA.
If it flags something
Come to MEMA for an in-depth review — not just the wording, but the framework behind it: your financial promotions policy, approval process, record keeping, ongoing monitoring, and a sample of your live promotions.
Pick a rule. See the fix.
Your questions, answered.
Make sure your next promotion is FCA-ready.
Run a free sample check now — no sign-up required.