Emma Tranter

Reference number: 527797

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Appointed representative

Emma Tranter does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

First Complete Limited Reference number: 435779 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Emma Tranter (FRN 527797) is an AR of First Complete Limited (FRN 435779). When you use Emma Tranter's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Emma Tranter, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    0121 222 5430

  • Address

    1 Devon Way, Longbridge, Birmingham, B31 2TS, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 222 5430 is
  • Who else gives the postcode B31 2TS
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Bright Business Protection Trading name
  • Bright Financial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Key dates in its history

Emma Tranter’s history from the FCA register and Companies House, newest first.

2023

11 April 2023

  • Began trading as "Bright Business Protection"

FCA register

2010

14 July 2010

  • Became an appointed representative
  • Began trading as "Bright Financial"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Emma Tranter

Other FCA-listed firms that share a director, phone number or address with Emma Tranter. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Emma Tranter

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Birmingham (B) postcode area

D Gee Mortgages LtdBirminghamAppointed representativeA & S Financial ServicesBirminghamAppointed representativeAAG Mortgage Brokerage LtdSolihullAppointed representativeAbundant Finance LimitedBirminghamAppointed representativeAcres Financial Services LimitedSutton ColdfieldAppointed representativeAiles Mortgage Solutions LimitedSolihullAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Emma Tranter

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 2 background checks on its contact details
  • All 3 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Emma Tranter FCA authorised?
Emma Tranter (FRN 527797) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Emma Tranter?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Emma Tranter (FRN 527797) is an AR of First Complete Limited (FRN 435779). When you use Emma Tranter's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Emma Tranter, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Emma Tranter’s phone number?
The FCA register lists the phone number 0121 222 5430 for Emma Tranter. If you were given different contact details, use these to check with the firm before going any further.
Is Emma Tranter a scam or clone?
Emma Tranter is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Emma Tranter?
Protection works through First Complete Limited, the principal firm responsible for Emma Tranter's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Emma Tranter use any other names?
It trades as Bright Business Protection and Bright Financial.

Sources and links

The full report on Emma Tranter

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