Yes, there is a regulating organisation that ensures brokers and lenders of the short term loans UK direct lender act morally, professionally, and within predetermined boundaries, including with regard to reasonable interest rates. In order for customers to always be certain that they are working with a trustworthy broker or lender, this authority, the FCA (Financial Conduct Authority), regulates the operations of the lenders of the best short-term loans supplied and approved. Lenders are required under this system to maintain active consumer credit licenses at all times. This protects the client from dishonest lenders. Therefore, it's crucial to work with a trustworthy broker who only connects clients with authorized lenders.