Category: FCA Regulated

Distribution Chain Obligations Under Consumer Duty: Who Does What Manufacturer and Distributor Responsibilities, Information Flow, and Recruitment Implications For UK financial services products that pass through distribution chains — funds distributed through platforms and advisers, insurance products distributed through brokers, mortgage products distributed through brokers, …

Methodology, Data Inputs, and the Substantive Analytical Standard the FCA Expects Fair value assessment is the most operationally demanding component of the Price and Value outcome under Consumer Duty, and the area where the gap between strong and weak firm practice has widened most visibly …

The Consumer Duty Annual Board Report: What Good Looks Like in 2026 From First-Cycle Documentary Compliance to Substantive Outcome Evidence The Consumer Duty annual board report is now in its third cycle for most UK regulated firms. The first cycle (July 2024) saw firms producing …

From Conduct Compliance Manager to Substantive Customer Outcomes Owner The 2023 introduction of Consumer Duty under PS22/9 has done more than tighten conduct expectations — it has structurally reshaped what the SMF16 Compliance Oversight role actually involves day-to-day. Where the role historically combined conduct rule …