01 · In plain English
What happened.
Robert Finch was one of two individuals (a father and son) the FCA decided to ban after finding they had misused client money at AFL Insurance Brokers Limited and prepared false financial records to mislead a buyer, leaving the firm with a client money deficit. The FCA issued Decision Notices and noted it would have imposed a financial penalty of £169,800 on Robert Finch but did not impose any fine because he provided verifiable evidence of serious financial hardship; the case was the subject of an Upper Tribunal (Tax and Chancery Chamber) decision dated 12 June 2026 (published 5 August 2026).
Summarised from the FCA's notice and press reports. The FCA's own text and documents below are the authoritative record.
02 · Enforcement details
What the Upper Tribunal decided.
Upper Tribunal Tax and Chancery decision of JUDGE MARK BALDWIN on 12 June 2026
Source: Upper Tribunal (Tax and Chancery Chamber) decision [2026] UKUT 00217 (TCC), published 5 August 2026.
03 · Press coverage
How it was reported.
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04 · Individual details
Person on the FCA register.
- Name
- Robert Finch
- Individual reference number
- RXF00255
- Register status
- Regulatory approval no longer required
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