Your Practical Guide to the UK Financial Conduct Authority Guidelines

Chosen theme: UK Financial Conduct Authority Guidelines. Explore clear, human stories and actionable insights that make complex rules feel approachable, helpful, and genuinely useful for everyday decision-making. Subscribe for future updates and share your questions as we demystify FCA expectations together.

Bringing the Consumer Duty to Life

Products and services, price and value, consumer understanding, and consumer support only work when embedded into daily decisions. Share how your team checks real outcomes, not just policies, and what metrics prove customers genuinely understand your communications.

Bringing the Consumer Duty to Life

A small fintech cut complaint volumes by mapping a confused cancellation journey, simplifying language, and training agents to spot vulnerability. What single wording change most improved your support scripts? Post it below and inspire someone tackling the same issue.

Financial Promotions: Fair, Clear, and Not Misleading

Build a simple workflow: marketing drafts, compliance comments, sign‑off, and an indexed archive. When auditors ask, show who approved, which version, and why. How long do you retain financial promotions and who owns that register in your firm?

Financial Promotions: Fair, Clear, and Not Misleading

Short formats demand clever clarity. Add risk summaries early, avoid sensational claims, and link to fuller disclosures. Have you trained creators on FCA expectations? Share your top three do’s for influencers so others can avoid avoidable remediation headaches.

Client Assets (CASS): Safeguarding Trust

Set up designated client bank accounts with correct titles and signed acknowledgement letters. Review counterparties regularly and document decisions plainly. How do you evidence ongoing due diligence of banks and custody partners when regulators ask for your paper trail?

Automate reconciliations where possible and keep exception logs meaningful, not cosmetic. One firm halved breaks by tagging root causes and assigning owners. What’s your most persistent break type, and which control finally tamed it? Share your fix and help a peer.

If the worst happens, a clean, current CASS Resolution Pack accelerates orderly wind‑down. Test retrieval times and ownership of documents quarterly. How quickly can you produce a complete pack today? Post your time and any trick that shaved minutes off retrieval.

SM&CR: Accountability With Teeth

Avoid vague wording. Map responsibilities to risks, committees, and controls, and keep versions aligned with org changes. How do you keep SoRs and the management responsibilities map in sync during restructures? Share your update cadence and tools.

SM&CR: Accountability With Teeth

Minutes, challenge logs, and follow‑ups show oversight, not hindsight. Record why you accepted or rejected advice, and track actions to closure. What template best captures challenge and decisions without becoming paperwork theatre? Recommend your favorite format below.

AML and Financial Crime Controls

Collect reliable identification, verify sources of funds, and tailor enhanced due diligence to higher risk factors. How do you calibrate risk scoring so it drives controls without overwhelming reviewers? Share the data points that improved your accuracy most.

AML and Financial Crime Controls

Rules and machine learning both help, but quality tuning wins. One bank cut false positives by aligning scenarios to product patterns. What ratio of alerts to filings do you see, and how do you train analysts to escalate consistently? Tell us.

Complaints (DISP) and Doing Right by Customers

Acknowledge quickly, investigate fairly, and explain outcomes transparently with Financial Ombudsman Service rights. What phrasing reduced back‑and‑forth for your teams? Share the sentence that finally made letters feel clear, balanced, and human to customers.