Moore Stephens has warned UK insurance brokers that failure to submit their applications for registration by the Financial Services Authority (FSA) by the due date of July 15 this year will mean that they will not be authorised to carry on business from January 15, 2005, when the new FSA regulations come into force. The FSA published its final conduct of business rules on January 20 this year. And there is evidence to suggest that, despite the looming deadline for application, many brokers do not yet fully realise the extent of the detail and the depth of the information they are required to provide to the regulators. Indeed, in some cases, there is reason to believe that the need to be FSA-approved is not properly understood.