Resources for FCA Regulated Firms in the UK

Appointed Representative Management Software: A 2026 Buyer's Guide

TL;DR — The AR regime in 2026 cannot be operated on spreadsheets at scale. Principal firms with material AR books are sourcing dedicated appointed representativ

Appointed Representative Onboarding Due Diligence Under PS22/11

TL;DR — Pre-appointment due diligence is no longer a formality. Under PS22/11, the FCA expects a principal firm to evidence — at the level of senior individuals

FCA Appointed Representative Regime 2026: A Practitioner Overview

TL;DR — The appointed representative regime is now four years into a structural overhaul. PS22/11 changed the day-to-day operating burden for principal firms, t

FCA Section 166 Appointed Representative Reviews: A Practitioner Guide

TL;DR — Section 166 of FSMA gives the FCA power to require a regulated firm to commission a "skilled person" to report on a matter — and AR oversight is one of

Principal Firm Oversight Obligations: What Effective Oversight Means in FCA Enforcement Vocabulary

TL;DR — The FCA's word for what principal firms must do over their ARs is "effective oversight." It is not defined in SUP 12. It has been defined by enforcement

FinProm Compliance: The Complete 2026 UK Guide

FinProm compliance is the structured discipline of ensuring every UK financial promotion meets Section 21 FSMA, COBS 4, the Section 21 Gateway (2024), Consumer Duty Principle 12, and the high-risk-investment rules from PS22/10 — before publication and on an ongoing basis. In 2024 the FCA caused 19,766 financial promotions to be amended or withdrawn, a 97.5% jump on 2023. The definitive 2026 UK reference: regulatory map, workflow, checklist, recent enforcement, buyer's guide for software, and a comprehensive FAQ.

Financial Promotions Rules 2026: The State of Play

TL;DR — The UK financial promotions regime in 2026 is the strictest it has ever been. The s.21 FSMA approver gateway is in steady state, the cryptoasset promoti

FCA Consumer Duty Examples: What Good Looks Like in Practice

TL;DR — The Consumer Duty is principles-based, which means the regulator will not give you a checklist. The way to calibrate is by working through concrete exam

FCA Consumer Duty Compliance Software: A Buyer's Guide for 2026

TL;DR — There is no single "Consumer Duty platform" because the Duty spans five operational areas: communications review, outcome monitoring, fair value, vulner

Crypto Financial Promotion Checklist: The UK FCA Compliance Guide

TL;DR — Since 8 October 2023, qualifying cryptoasset promotions in the UK have sat inside the FCA's financial promotions regime. This checklist walks through th

Consumer Duty Fair Value Assessment: A Practitioner Methodology

TL;DR — The Consumer Duty's price and value outcome (PRIN 2A.4) requires every firm to evidence that the price the retail customer pays is reasonable relative t

Consumer Duty Board Report Template: A Full Annual Outline

TL;DR — Under PRIN 2A.8, every firm subject to the Consumer Duty must produce a board-approved annual assessment that the firm is delivering good outcomes for r

FCA Communications Compliance: How Portfolio Managers and Client Teams Can Meet FCA Compliance Requirements

Are your client communications fully FCA-compliant or could they be putting your firm at risk? For portfolio managers, every email, phone call, or meeting is more than just an exchange of information, it’s a potential regulatory checkpoint. To meet FCA compliance client communications requirements, you must align with COBS communications compliance, FCA rules, and MAR SMCR client comms rules while maintaining transparency, accuracy, and trust.

How to Prepare for an FCA Supervisory Visit

Preparing for an FCA supervisory visit can feel daunting, but it’s also a valuable opportunity to demonstrate your firm’s strong compliance culture and commitment to meeting every regulatory requirement. For asset managers, senior managers, and others working in financial services, this is your chance to show the Financial Conduct Authority (FCA) that you meet – and exceed – the regulation expectations.

Chip Partners with Sedric to Streamline Financial Promotions with AI-First Compliance

What to Include in Your FCA Annual Compliance Report: Reporting Requirements Explained

Steering through the complexities of compliance can feel like walking a tightrope, but your FCA annual compliance report is your safety net. This annual report isn't just a formality; it's an essential tool for demonstrating your firm’s adherence to regulatory expectations under the Financial Conduct Authority.

Influencing the Finfluencers: How the FCA is Cracking Down on Financial Promotion

Social media has made many things more accessible: news, entertainment, misinformation, and now—financial risk. In recent years, a curious species has emerged at the intersection of finance and fame: the finfluencer. Equal parts lifestyle guru and self-styled investment expert, these online personalities have cultivated vast followings by dispensing advice on everything from cryptocurrency trading to forex speculation. For the Financial Conduct Authority (FCA) in the UK, the trend has become increasingly intolerable.

FCA Compliance Checklist for Asset Managers

Regulatory compliance is one of the most important responsibilities for UK asset managers. The Financial Conduct Authority (FCA) enforces strict rules designed to protect investors, maintain market integrity, and ensure fair treatment of clients. A well-structured FCA compliance checklist is vital for meeting these obligations consistently.

FCA Approach to AI and Algorithmic Systems in Asset Management | Approach to AI Regulation in Financial Services

Artificial intelligence is transforming financial markets and reshaping the UK financial services sector. The UK’s Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) are taking a stronger stance on how asset managers deploy AI technologies and algorithmic systems.

FCA Financial Promotions Compliance: A COBS 4 Guide for UK Financial Marketing

How compliance leaders and marketing teams can future-proof promotions under the FCA’s Conduct of Business rules—and how Sedric helps reduce risk and accelerate time to market.

Algorithmic Accountability: AI, Consumer Duty, and the New Frontier of Fairness in UK Finance

Algorithmic accountability is the principle that a regulated firm using AI or algorithmic systems remains responsible for the outcomes those systems produce. In the UK, Consumer Duty makes that responsibility operational — firms must evidence that AI-driven decisions deliver good outcomes for retail customers, not just technically comply with COBS 4. This guide sets out the FCA’s AI principles, the model-governance bar in 2026, and how UK regulated firms build a defensible accountability framework.

Consumer Duty AI Tools: How UK Firms Can Meet FCA Expectations with Confidence

As the Financial Conduct Authority (FCA) tightens its regulatory focus on Consumer Duty, financial firms are under pressure to prove that they’re delivering “good outcomes” for retail clients. Consumer Duty AI tools are software platforms that use artificial intelligence to help firms monitor, assess, and improve their compliance with these obligations — especially across digital communication channels, QA workflows, and customer journeys.