Legal Statement

Last updated: 8th May 2024


This Legal Statement outlines the regulatory framework and legal requirements that govern AS LEGAL AND FINANCIAL SERVICES LIMITED, trading as Williams Loans. We are committed to conducting our business in a transparent, ethical, and compliant manner. This page provides information on the regulatory bodies and standards we adhere to in order to maintain our commitment to these principles.

Regulatory Bodies

AS LEGAL AND FINANCIAL SERVICES LIMITED is not authorized and regulated by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). The PRA and FCA work together to ensure that financial services firms operate in a safe, fair, and transparent manner while promoting competition and consumer protection.

  1. Prudential Regulation Authority: The PRA is responsible for the prudential regulation and supervision of banks, building societies, credit unions, insurers, and major investment firms. Its primary objective is to ensure the stability of the UK’s financial system.
  2. Financial Conduct Authority: The FCA is responsible for the conduct regulation of financial services firms and markets in the UK. It aims to protect consumers, protect financial markets, and promote competition in the interest of consumers.

Compliance with The Standards of Lending Practice

Williams Loans is committed to adhering to The Standards of Lending Practice, as set out by the Lending Standards Board (LSB). The Standards of Lending Practice is a voluntary code that sets guidelines and principles for responsible lending, covering personal loans, credit cards, overdrafts, and other unsecured lending products. By following these standards, we ensure that our lending practices are fair, transparent, and responsible.

For more information on The Standards of Lending Practice, please visit the Lending Standards Board website at

Contact Information

If you have any questions or concerns about our regulatory compliance or legal obligations, please do not hesitate to contact us. You can reach us via email at Our postal address is:

AS LEGAL AND FINANCIAL SERVICES LIMITED 120 Carstairs Street Strathclyde Business Centre Glasgow, G40 4JD United Kingdom

Website Author

This website is authored by Matthew Stevens, an experienced professional in the financial services industry. You can connect with Matthew on LinkedIn at

AS LEGAL AND FINANCIAL SERVICES LIMITED, trading as Williams Loans, is committed to operating within the regulatory framework and legal requirements set out by the Prudential Regulation Authority, Financial Conduct Authority, and The Standards of Lending Practice. We strive to provide our customers with safe, fair, and transparent financial services while maintaining our commitment to responsible lending practices.

Please note that the information provided on this page is for general informational purposes only and should not be considered as legal or financial advice. If you require specific advice or guidance, please consult with a qualified professional in the relevant field.