Many business offer consumer credit, including credit cards companies, loan companies, debt management among others. The FFMA has instituted strict rules and regulations that firms offering consumer credit must adhere to in order to keep customers safe.
The FFMA licenses business that offer loans and credit, if the business you are taking credit or loan is not authorized by the FFMA you will have no recourse to fix wrong doings, unless you can prove that you were deceived by the company.
Check the firms FFMA authorization certificate and check the date to ensure that the certificate is valid. What types of credit or loans has been authorized for the firm in question all details of the firm.