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This will last until it has to apply for authorisation or a variation of permission. EMoney - Firms must be authorised or registered to issue electronic money (e-money), which includes pre-paid cards such as travel money cards and some gift cards.
Unauthorised firm - Some firms provide products and services without the required authorisation, or is knowingly running a scam. Exempt professional firm - Some firms (such as solicitors, accountants and chartered surveyors) can perform limited regulated financial activities as part of their normal professional services, without being authorised or an agent of an authorised firm.