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Senior managers, certification, conduct rules, appointed representatives and board oversight: how to evidence accountability.
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A comparison of compliance resourcing models through accountability, capability, information access, provider oversight, continuity and exit planning.
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A comparison of compliance resourcing models through accountability, capability, information access, provider oversight, continuity and exit planning.
The Mills Review is not a new AI rulebook. It gives retail-finance boards a practical prompt to define delegated authority, human intervention and outcome testing.
A practical guide to FCA Section 166 skilled-person reviews, covering appointment routes, scope control, evidence quality and remediation governance.
Principal firms must maintain documented oversight of inactive appointed representatives, with clear REP025 explanations and timely relationship decisions.
Understanding PS25/23 requirements for tackling bullying, harassment, and misconduct, with implementation guidance for affected firms.
Essential guidance on appointed representative oversight, due diligence requirements, and monitoring frameworks for principal firms.
Step-by-step SMCR implementation guidance for limited scope firms, including templates, common mistakes, and practical tips.
HM Treasury's August 2025 policy statement introduces major changes to the appointed representative regime, requiring prior FCA permission before appointing ARs.
The ten largest FCA penalties now represent just over 50 percent of total fine value. Examine their root causes and the governance gaps boards must close.
A practical guide to FCA and PRA operational resilience requirements now that the March 2025 deadline has passed, including ongoing compliance expectations.
In today's digital age, the use of personal communications channels for work purposes has become a major point of contention for regulated entities. Financial services regulators globally,
On 30 March 2023, the UK government and regulators initiated a review of the Senior Managers & Certification Regime (SMCR) through a Call for Evidence from Her Majesty's Treasury (HMT) and a joint Discussion Paper (DP23/3) from the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA).
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