Roland FP90X Black Piano Elite Package

Roland FP90X Black Piano Elite Package

Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package
Roland FP90X Black Piano Elite Package

Roland FP90X Black Piano Elite Package

Roland FP90X Black Piano Elite Package

SKU:Product Code: FP90XBK-ELITE

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Regular price £2,133
Sale price £2,133 Regular price RRP £2,294
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Roland FP90X Black Piano Elite Package

Roland FP90X Black Piano Elite Package

£2,133

£2,133

The Roland FP-90X delivers the rich, expressive sound of a grand piano in a sleek, portable design. With its authentic PHA-50 wooden keybed, advanced PureAcoustic modelling, and powerful built-in speakers, it’s perfect for serious pianists, performers, and home players alike. Whether you're on stage, in the studio, or practising at home, the FP-90X gives you the sound and feel of an acoustic grand - anytime, anywhere.

Tony White - Digital Piano Specialist

Roland FP90X Black Piano Elite Package

Hand-Picked Accessories Included In this Bundle:

  • Nocturne Maestro Satin Black Adjustable Height Piano Stool
  • Roland RH5 Manufacturer-Recommended Headphones
  • Roland KPD90 Triple Pedal Bar
  • Roland KSC90 Wooden Piano Stand
  • Roland DP10 Metal Piano-Type Sustain Pedal (in box)
  • Detachable Music Rest (in box)

"The original Roland FP90 was a market leading instrument for many years. This new model sounds even better and should definitely be considered if you need a high quality piano that is easily transportable. Come and try it in our stores!"

Tony White - Bonners Piano Specialist

Roland's new FP90X represents the very best piano sound and keyboard action that the manufacturer has ever put into a portable instrument. The PureAcoustic Piano Modelling sound engine is taken from their flagship luxury LX range of home pianos, and the PHA50 keyboard action is constructed using both natural wood and manmade parts - to give the best possible feel and long-lasting reliability. Add to this, a superbly powerful onboard speaker system, all of which make the FP90X one of the best choices for discerning musicians who need a premium quality instrument for on the road or at home.

See & Try The Roland FP90X In Our Piano Shops

You can try the new Roland FP90X in our award-winning piano stores. We have three locations, all with on-site parking - Reigate (Surrey), Milton Keynes, and Eastbourne (Sussex) where you can see the full range of Kawai digital pianos, and compare to other models from Yamaha, Kawai and Dexibell to ensure you are making the right purchasing decision. Don't worry if you can't play the piano yet - our friendly and knowledgeable staff are on hand to demonstrate the instruments and answer any questions you may have.

Part Exchange Your Piano For A New FP90X

Do you already own a piano or keyboard instrument that you would like to upgrade to the FP90X? Email us details of what you have (including some photos and the serial number so we can give an accurate valuation). You could have a new FP90X in your home quicker than you first thought. We can arrange to collect your existing instrument at the same time as delivery of your new Roland FP90X, and it saves you the hassle of selling on the private market.

Roland's Best Ever Piano Tones In A Portable Instrument

The FP90x is equipped with a large selection of Roland's best-ever piano voices. Powered by their acclaimed PureAcoustic Piano Modeling sound engine, the FP90x offers a choice of 14 different acoustic piano tones including Concert Pianos, Stage Pianos, Mellow Piano, Upright Piano, Honky Tonk and many more. Furthermore, it is possible for you to personalize and store your own piano tones using the Piano Designer function.

My Stage - Select Your Preferred Performance Environment

“My Stage” is a function that lets you select your preferred piano and performance environment while at home. This function reproduces the sound and resonance that you would experience when playing in locations such as a concert hall, church, or rehearsal studio on a grand piano that’s ideally matched for that location.

PHA-50 Keyboard Action

The FP90X's 88 key keyboard is known as the PHA-50 model and uses a wood and plastic hybrid key structure. The white keys are ivory-feel and the black keys have a simulated ebony feel. The escapement mechanism gives a true grand-piano feel.

Additional Instrument Sounds

As well as a great selection of acoustic piano sounds, the FP90X features a total seventy other sounds & voices ranging from classic e.piano's clavs, harpsichord and organ voices to synthesizer, bass and orchestral tones. There are also 255 GM voices too.

Record Your Performance

Using the onboard song recorder, it's possible to record your performance as either SMF (Standard MIDI File) format or WAV audio format. This is handy for practice purposes or for sharing your music with friends and family.

Bluetooth Capabilities

Roland instruments have been at the forefront of Bluetooth technology for many years now, and the FP90X doesn't disappoint. You can use Roland's own Bluetooth-compatible app “Piano Every Day” or playback audio from your smartphone through the built-in speaker system.

Microphone Input

You can connect a dynamic microphone (sold separately) to the Mic Input jack and sing while playing. There are independent volume controls for both the song backing and microphone input. Add digital effects to your voice including compressor, doubling and echo.

Registration Memories

Tone settings and performance settings such as Dual Play or Split Play can be saved as a “registration” and recalled whenever you like. This unit has five registration buttons ([1]–[5]), and you can save nine different registrations under each button. This means that you can save as many as 45 registrations. An entire group of 45 registrations is called a “Registration Set." and these complete sets can be saved to USB memory (not included) freeing up more space for you to store even more of your favourite sound combinations.

Equalizer

You can use the equalizer to modify the tone colour by boosting or reducing just the low, mid or high-frequency range of the sound. Ideal for adjusting the tone of the instrument to suit a particular room environment.

If you're unsure which instrument or product is right for you, nothing compares to seeing, touching, and playing it in person before making a purchase. When you visit a Bonners Music store, you can explore a wide selection of pianos, keyboards, guitars, and related products to help you make the perfect choice. Our friendly and knowledgeable staff are always on hand to help you if you have any questions. Experience this model firsthand at any of our stores listed below. Please note that the colour of the display model in our showroom may differ from what is shown on this page.

Sussex

Sussex

Address:

Bonners Piano & Keyboard Centre, 9 Faraday Close Eastbourne East Sussex BN22 9BH

Telephone:

01323 639335
Milton Keynes

Milton Keynes

Address:

Bonners Piano & Keyboard Centre, 1 Ward Road Bletchley Milton Keynes MK1 1JA

Telephone:

01908 274957
Newcastle

Newcastle

Address:

Bonners Piano Centre, Unit 3A Airport Industrial Estate, Kingston Park, Newcastle-Upon-Tyne, NE3 2EF

Telephone:

0191 607 7335
Surrey

Surrey

Address:

Bonners Piano & Keyboard Centre, 46B Albert Road North Reigate Surrey RH2 9EL

Telephone:

01737 242174
Roland FP90X Top Features
Keyboard Type:
PHA-50 Keyboard: Wood and Plastic Hybrid Structure, with Escapement and Ebony/Ivory Feel (88 keys)
Pedal:
Roland DP10 Metal Piano-Type Pedal Included
Number Of Voices:
PureAcoustic Piano Modeling
Piano: 20 tones
E.Piano: 18 tones
Strings/Pad: 27 tones
Organ: 18 tones
Other: 279 tones (including 8 drum sets, 1 SFX set)
Speakers / Amplifier:
Speakers: 8 x 12 cm (3-3/16 x 4-3/4 inches) x 2 (with speaker box)
Dome Tweeters: 2.5 cm (1 inches) x 2
Rated power Output (25 W x 2) & (5 W x 2)
Display Interface:
Graphic LCD 132 x 32 dots
Bluetooth Connectivity:
Audio: Bluetooth Ver. 3.0 (Supports SCMS-T content protection) | MIDI, Turning music sheet: Bluetooth Ver. 4.0
Headphone Output:
Headphones Acoustic Projection
Phones jack x 2: Stereo miniature phone type, Stereo 1/4-inch phone type
USB Functions:
USB TO HOST & USB TO DEVICE (memory stick)
Colour Options:
Black or White
Other Notable Features:
Piano Designer
Metronome
Equalizer sliders (Low/Mid/High)
34 Internal Songs
Registration (45 registrations, capable of pedal shift)
Dimensions (w)x(d)x(h):
1340mm x 390mm x 136mm
Weight:
23.6kg

Delivery ETA's 

For accurate delivery information, please contact our sales team on sales@bonnersmusic.co.uk or call 01323 639335. As a guide, despatch times are detailed below.

Additional charges will be made for delivery of heavy items to some areas. Charges may also apply to upgrades including (but not limited to) timed deliveries, piano assembly, delivery of large items, and when matching deals from other retailers. If you are unsure about our delivery charges, please contact us.

In Stock Products

Products that are shown as in stock will be sent using our standard delivery service within 2 working days from when payment is received. This excludes piano deliveries with full installation - see below.

Pre-Order Products

Products which are shown as pre-order are not in stock, but can be ordered and reserved for you from the next available shipment. Order today to reserve your place in the queue! Call or email us for the latest lead times on pre-order products.

Digital Piano Deliveries:

We have many flexible delivery options for most delivery pianos, based on your location and whether you require it flat-packed, or fully assembled in your home. Digital piano delivery options are shown at checkout. 

Piano Deliveries

If you purchase a piano which is supplied with full installation, we will contact you once your order is received to arrange a convenient delivery date & time. Delivery & installation is usually within 14 days, but often sooner. Call us for current lead times on pianos.

Digital Piano Deliveries For Self-Assembly

Click here to see our specific information relating to piano deliveries.

If you choose our courier delivery/flat pack delivery method, please be aware that with larger items such as digital pianos, the courier is not contracted to carry them up any steps or stairs. If there are stairs leading to the front door of the delivery address, or you live in an apartment which is not on pavement level, it is your responsibility to arrange transportation from the pavement level to the delivery address. In this instance, the delivery driver may, at their own discretion assist you in carrying the parcels to the delivery address, but they are not contracted nor obliged to do so.

Do you need delivery upstairs, or delivery at a specific time?

For some larger items which need to be delivered upstairs - including pianos, we offer a timed delivery service using our own van and drivers. This service is free on some items and chargeable on others. Call us on 01323 639335 to discuss your specific delivery requirements.

No-one at home?

Our courier will try and deliver your parcel(s) twice. After the second failed attempt, your goods will be returned to our warehouse. If you would like us to try and deliver them again, we will charge the delivery charges associated with your order again.

Delivery Surcharges For Larger Items

For some larger items, delivery surcharges may apply to the following areas: Scotland, Wales, Channel Islands, Isle Of Wight, Cornwall, Ireland, North Of England above Leeds. Call us on 01323 639335 to check before ordering.

Whether you're buying your first electric guitar, upgrading to a new keyboard, or investing in a beautiful piano the whole family can enjoy, Bonners are the musical finance specialists. We offer some of the most competitive finance deals in the UK on pianos, keyboards, guitars, and other musical instruments.

With both 0% interest and longer-term interest-bearing options available, we're confident you'll find a plan that suits your budget - helping you bring home the instrument of your dreams sooner than you imagined.

*Some products are excluded from 0% Finance Offers. The available finance options will be shown at checkout.

Spread the Cost with Monthly Payments

At Bonners, we understand that investing in a quality musical instrument is a big decision. That’s why we’re offering a simple and flexible way to spread the cost, with 0% finance available on most purchases between £625 and £18,750. We also have some longer period (up to 36 months) Classic Credit APR 14.9% finance options with lower monthly payments. Our finance offers are designed to make high-quality instruments more accessible to musicians of all levels, from enthusiastic beginners to seasoned professionals. Whether you’re upgrading to a new stage piano, investing in your dream guitar, or kitting out your studio, the Bonners Music finance plans offer complete peace of mind.

Learn More About Finance Options >

The Lender
Bonners Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Bonners Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 718966. Bonners Ltd is registered in England and Wales 1994113. Registered office 34 North St, Hailsham, East Sussex BN27 1DW.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.

Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA

Roland FP90X Black Piano Elite Package

Hand-Picked Accessories Included In this Bundle:

  • Nocturne Maestro Satin Black Adjustable Height Piano Stool
  • Roland RH5 Manufacturer-Recommended Headphones
  • Roland KPD90 Triple Pedal Bar
  • Roland KSC90 Wooden Piano Stand
  • Roland DP10 Metal Piano-Type Sustain Pedal (in box)
  • Detachable Music Rest (in box)

"The original Roland FP90 was a market leading instrument for many years. This new model sounds even better and should definitely be considered if you need a high quality piano that is easily transportable. Come and try it in our stores!"

Tony White - Bonners Piano Specialist

Roland's new FP90X represents the very best piano sound and keyboard action that the manufacturer has ever put into a portable instrument. The PureAcoustic Piano Modelling sound engine is taken from their flagship luxury LX range of home pianos, and the PHA50 keyboard action is constructed using both natural wood and manmade parts - to give the best possible feel and long-lasting reliability. Add to this, a superbly powerful onboard speaker system, all of which make the FP90X one of the best choices for discerning musicians who need a premium quality instrument for on the road or at home.

See & Try The Roland FP90X In Our Piano Shops

You can try the new Roland FP90X in our award-winning piano stores. We have three locations, all with on-site parking - Reigate (Surrey), Milton Keynes, and Eastbourne (Sussex) where you can see the full range of Kawai digital pianos, and compare to other models from Yamaha, Kawai and Dexibell to ensure you are making the right purchasing decision. Don't worry if you can't play the piano yet - our friendly and knowledgeable staff are on hand to demonstrate the instruments and answer any questions you may have.

Part Exchange Your Piano For A New FP90X

Do you already own a piano or keyboard instrument that you would like to upgrade to the FP90X? Email us details of what you have (including some photos and the serial number so we can give an accurate valuation). You could have a new FP90X in your home quicker than you first thought. We can arrange to collect your existing instrument at the same time as delivery of your new Roland FP90X, and it saves you the hassle of selling on the private market.

Roland's Best Ever Piano Tones In A Portable Instrument

The FP90x is equipped with a large selection of Roland's best-ever piano voices. Powered by their acclaimed PureAcoustic Piano Modeling sound engine, the FP90x offers a choice of 14 different acoustic piano tones including Concert Pianos, Stage Pianos, Mellow Piano, Upright Piano, Honky Tonk and many more. Furthermore, it is possible for you to personalize and store your own piano tones using the Piano Designer function.

My Stage - Select Your Preferred Performance Environment

“My Stage” is a function that lets you select your preferred piano and performance environment while at home. This function reproduces the sound and resonance that you would experience when playing in locations such as a concert hall, church, or rehearsal studio on a grand piano that’s ideally matched for that location.

PHA-50 Keyboard Action

The FP90X's 88 key keyboard is known as the PHA-50 model and uses a wood and plastic hybrid key structure. The white keys are ivory-feel and the black keys have a simulated ebony feel. The escapement mechanism gives a true grand-piano feel.

Additional Instrument Sounds

As well as a great selection of acoustic piano sounds, the FP90X features a total seventy other sounds & voices ranging from classic e.piano's clavs, harpsichord and organ voices to synthesizer, bass and orchestral tones. There are also 255 GM voices too.

Record Your Performance

Using the onboard song recorder, it's possible to record your performance as either SMF (Standard MIDI File) format or WAV audio format. This is handy for practice purposes or for sharing your music with friends and family.

Bluetooth Capabilities

Roland instruments have been at the forefront of Bluetooth technology for many years now, and the FP90X doesn't disappoint. You can use Roland's own Bluetooth-compatible app “Piano Every Day” or playback audio from your smartphone through the built-in speaker system.

Microphone Input

You can connect a dynamic microphone (sold separately) to the Mic Input jack and sing while playing. There are independent volume controls for both the song backing and microphone input. Add digital effects to your voice including compressor, doubling and echo.

Registration Memories

Tone settings and performance settings such as Dual Play or Split Play can be saved as a “registration” and recalled whenever you like. This unit has five registration buttons ([1]–[5]), and you can save nine different registrations under each button. This means that you can save as many as 45 registrations. An entire group of 45 registrations is called a “Registration Set." and these complete sets can be saved to USB memory (not included) freeing up more space for you to store even more of your favourite sound combinations.

Equalizer

You can use the equalizer to modify the tone colour by boosting or reducing just the low, mid or high-frequency range of the sound. Ideal for adjusting the tone of the instrument to suit a particular room environment.

If you're unsure which instrument or product is right for you, nothing compares to seeing, touching, and playing it in person before making a purchase. When you visit a Bonners Music store, you can explore a wide selection of pianos, keyboards, guitars, and related products to help you make the perfect choice. Our friendly and knowledgeable staff are always on hand to help you if you have any questions. Experience this model firsthand at any of our stores listed below. Please note that the colour of the display model in our showroom may differ from what is shown on this page.

Sussex

Sussex

Address:

Bonners Piano & Keyboard Centre, 9 Faraday Close Eastbourne East Sussex BN22 9BH

Telephone:

01323 639335
Milton Keynes

Milton Keynes

Address:

Bonners Piano & Keyboard Centre, 1 Ward Road Bletchley Milton Keynes MK1 1JA

Telephone:

01908 274957
Newcastle

Newcastle

Address:

Bonners Piano Centre, Unit 3A Airport Industrial Estate, Kingston Park, Newcastle-Upon-Tyne, NE3 2EF

Telephone:

0191 607 7335
Surrey

Surrey

Address:

Bonners Piano & Keyboard Centre, 46B Albert Road North Reigate Surrey RH2 9EL

Telephone:

01737 242174
Roland FP90X Top Features
Keyboard Type:
PHA-50 Keyboard: Wood and Plastic Hybrid Structure, with Escapement and Ebony/Ivory Feel (88 keys)
Pedal:
Roland DP10 Metal Piano-Type Pedal Included
Number Of Voices:
PureAcoustic Piano Modeling
Piano: 20 tones
E.Piano: 18 tones
Strings/Pad: 27 tones
Organ: 18 tones
Other: 279 tones (including 8 drum sets, 1 SFX set)
Speakers / Amplifier:
Speakers: 8 x 12 cm (3-3/16 x 4-3/4 inches) x 2 (with speaker box)
Dome Tweeters: 2.5 cm (1 inches) x 2
Rated power Output (25 W x 2) & (5 W x 2)
Display Interface:
Graphic LCD 132 x 32 dots
Bluetooth Connectivity:
Audio: Bluetooth Ver. 3.0 (Supports SCMS-T content protection) | MIDI, Turning music sheet: Bluetooth Ver. 4.0
Headphone Output:
Headphones Acoustic Projection
Phones jack x 2: Stereo miniature phone type, Stereo 1/4-inch phone type
USB Functions:
USB TO HOST & USB TO DEVICE (memory stick)
Colour Options:
Black or White
Other Notable Features:
Piano Designer
Metronome
Equalizer sliders (Low/Mid/High)
34 Internal Songs
Registration (45 registrations, capable of pedal shift)
Dimensions (w)x(d)x(h):
1340mm x 390mm x 136mm
Weight:
23.6kg

Delivery ETA's 

For accurate delivery information, please contact our sales team on sales@bonnersmusic.co.uk or call 01323 639335. As a guide, despatch times are detailed below.

Additional charges will be made for delivery of heavy items to some areas. Charges may also apply to upgrades including (but not limited to) timed deliveries, piano assembly, delivery of large items, and when matching deals from other retailers. If you are unsure about our delivery charges, please contact us.

In Stock Products

Products that are shown as in stock will be sent using our standard delivery service within 2 working days from when payment is received. This excludes piano deliveries with full installation - see below.

Pre-Order Products

Products which are shown as pre-order are not in stock, but can be ordered and reserved for you from the next available shipment. Order today to reserve your place in the queue! Call or email us for the latest lead times on pre-order products.

Digital Piano Deliveries:

We have many flexible delivery options for most delivery pianos, based on your location and whether you require it flat-packed, or fully assembled in your home. Digital piano delivery options are shown at checkout. 

Piano Deliveries

If you purchase a piano which is supplied with full installation, we will contact you once your order is received to arrange a convenient delivery date & time. Delivery & installation is usually within 14 days, but often sooner. Call us for current lead times on pianos.

Digital Piano Deliveries For Self-Assembly

Click here to see our specific information relating to piano deliveries.

If you choose our courier delivery/flat pack delivery method, please be aware that with larger items such as digital pianos, the courier is not contracted to carry them up any steps or stairs. If there are stairs leading to the front door of the delivery address, or you live in an apartment which is not on pavement level, it is your responsibility to arrange transportation from the pavement level to the delivery address. In this instance, the delivery driver may, at their own discretion assist you in carrying the parcels to the delivery address, but they are not contracted nor obliged to do so.

Do you need delivery upstairs, or delivery at a specific time?

For some larger items which need to be delivered upstairs - including pianos, we offer a timed delivery service using our own van and drivers. This service is free on some items and chargeable on others. Call us on 01323 639335 to discuss your specific delivery requirements.

No-one at home?

Our courier will try and deliver your parcel(s) twice. After the second failed attempt, your goods will be returned to our warehouse. If you would like us to try and deliver them again, we will charge the delivery charges associated with your order again.

Delivery Surcharges For Larger Items

For some larger items, delivery surcharges may apply to the following areas: Scotland, Wales, Channel Islands, Isle Of Wight, Cornwall, Ireland, North Of England above Leeds. Call us on 01323 639335 to check before ordering.

Whether you're buying your first electric guitar, upgrading to a new keyboard, or investing in a beautiful piano the whole family can enjoy, Bonners are the musical finance specialists. We offer some of the most competitive finance deals in the UK on pianos, keyboards, guitars, and other musical instruments.

With both 0% interest and longer-term interest-bearing options available, we're confident you'll find a plan that suits your budget - helping you bring home the instrument of your dreams sooner than you imagined.

*Some products are excluded from 0% Finance Offers. The available finance options will be shown at checkout.

Spread the Cost with Monthly Payments

At Bonners, we understand that investing in a quality musical instrument is a big decision. That’s why we’re offering a simple and flexible way to spread the cost, with 0% finance available on most purchases between £625 and £18,750. We also have some longer period (up to 36 months) Classic Credit APR 14.9% finance options with lower monthly payments. Our finance offers are designed to make high-quality instruments more accessible to musicians of all levels, from enthusiastic beginners to seasoned professionals. Whether you’re upgrading to a new stage piano, investing in your dream guitar, or kitting out your studio, the Bonners Music finance plans offer complete peace of mind.

Learn More About Finance Options >

The Lender
Bonners Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Bonners Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 718966. Bonners Ltd is registered in England and Wales 1994113. Registered office 34 North St, Hailsham, East Sussex BN27 1DW.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.

Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA