# Financial Conduct Authority

**Canonical:** https://apis.io/providers/fca-uk/  
**Website:** https://www.fca.org.uk/  
**APIs profiled:** 2

The Financial Conduct Authority (FCA) is the United Kingdom's conduct regulator for around 42,000 financial services firms and the prudential regulator for most non-bank firms, operating alongside the Prudential Regulation Authority under the dual-regulation model. In insurance the FCA owns conduct regulation of general insurance and protection markets through ICOBS and the Consumer Duty, authorises and supervises insurers, Lloyd's managing agents, MGAs, brokers and appointed representatives, and publishes market-wide insurance data such as the annual General Insurance Value Measures. Its API posture is that of a regulator, not a carrier: there is no open-insurance obligation in the UK and the FCA publishes no insurance product API of its own. It does operate two genuine public APIs. The Financial Services Register API at register.fca.org.uk/services/V0.1 exposes firm, individual and fund authorisation records including insurance permissions and appointed-representative relationships; access is free and self-serve but the developer portal and its reference documentation sit behind a Salesforce registration login, and authentication is by X-Auth-Email and X-Auth-Key headers. The data publication API at api.data.fca.org.uk is an anonymous OpenSearch-style query interface over FIRDS and FITRS file artefacts, documented in the FCA's own published technical specifications — markets reference data, not insurance data. Neither API has an OpenAPI definition. Everything else the FCA publishes for the insurance market is documents and spreadsheets: the Handbook, market bulletins, consultation papers, and XLSX data releases. The FCA's Open Finance roadmap of 14 April 2026 names insurance as an in-scope sector but remains a vision document, with a formal discussion paper on the first scheme not due until Q4 2026, so no insurance data-sharing API mandate exists. No ACORD reference appears anywhere on fca.org.uk.

## Kin Score — 32.6 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 32.6).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 45.2 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Securities & Market Data**: 41.7 (matched via tags).

## Agent readiness — 15.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (2)

- **FCA Financial Services Register API** — Read-only REST API over the Financial Services Register, the FCA's public record of authorised firms, individuals, funds and appointed representatives. Resources are addressed b...
- **FCA Data Publication API (FIRDS / FITRS)** — Anonymous machine-to-machine query interface over the file artefacts the FCA publishes through data.fca.org.uk, documented in the FCA's own FIRDS and FITRS technical specificati...

## Security (2)

- **Fca Uk Authentication** — apiKey/none · 2 schemes
- **Fca Uk Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Insurance, United Kingdom, Regulator, Market Infrastructure, Financial-Services, Public Register, Conduct Regulation, Open Finance, Insurance Intermediaries, Risk Data, Market Data, Reference Data, MiFID II

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/fca-uk/). Scores are computed from the provider's own public artifacts under a published rubric.