Vulnerability Assessment Tool
Professional vulnerability assessment tool based on FCA guidance for the fair treatment of vulnerable customers. Our secure, web-based platform helps you identify and support vulnerable customers in line with Consumer Duty requirements.
Professional Vulnerability Assessment
Comprehensive tool for identifying and supporting vulnerable customers
FCA Aligned Framework
13-question assessment aligned with official FCA guidance FG21/1
Consumer Duty Ready
Supports compliance with Consumer Duty vulnerable customer requirements
Secure & Private
Multi-tenant architecture with organization-level data isolation
Analytics & Reporting
Built-in analytics and reporting capabilities for your assessments
How the Assessment Works
Structured framework for identifying vulnerable customers
13-Question Framework
Structured questionnaire covering all FCA vulnerability indicators
- Health conditions and disabilities
- Life events and circumstances
- Resilience factors
- Capability assessments
Analysis & Results
Comprehensive analysis of vulnerability factors
- Vulnerability scoring
- Risk categorization
- Support recommendations
- Action tracking
Secure Storage
Safe, isolated data storage for your organization
- Organization-level isolation
- Secure data encryption
- Access controls
- Audit trails
Based on FCA Guidance FG21/1
Our tool implements the FCA's official framework for identifying and supporting vulnerable customers
Important: This tool provides guidance based on FCA publications and is not a substitute for professional judgement
Free Professional Tool
Access our vulnerability assessment platform at no charge
Ready to Get Started?
Launch the vulnerability assessment tool or contact us for implementation support
Why This Tool Exists
Customer vulnerability is not a niche issue — it affects nearly half of UK adults. The FCA expects all firms to have systems to identify, record, and respond to vulnerability, yet many firms rely on basic tick-box approaches that miss the nuances of the four-driver model. This quick-check tool helps you assess whether your current approach meets the minimum FCA expectations.
Who This Tool Is For
Small firms
Running a quick vulnerability framework health check without extensive consultancy
Frontline managers
Assessing whether team processes adequately identify and support vulnerable customers
Compliance officers
Benchmarking the firm's vulnerability approach against FCA guidance FG21/1
Firms in Consumer Duty scope
Checking that vulnerability processes align with Consumer Duty consumer support outcome
How to Use This Tool
Answer the assessment questions
Work through questions covering vulnerability identification, recording, response, training, and monitoring.
Review your vulnerability score
Receive a rated assessment showing your strengths and gaps against FCA expectations.
Access improvement guidance
Get specific recommendations for strengthening your vulnerability framework with practical next steps.
Common Mistakes This Tool Prevents
Only considering vulnerability when a customer explicitly tells you they are vulnerable
How this tool helps: Assesses proactive identification processes beyond customer self-disclosure
Having a vulnerability policy but no practical process for frontline staff to follow
How this tool helps: Tests whether policy translates into actionable steps for customer-facing teams
Recording vulnerability status but not adjusting the service delivery
How this tool helps: Checks whether identification leads to meaningful service adjustments
Not training staff on how to have sensitive conversations about vulnerability
How this tool helps: Identifies training gaps specifically around communication skills for vulnerability scenarios
Related Guidance
Need Vulnerability Framework Support?
We can build your vulnerability policy, design identification processes, train staff, and set up outcome monitoring — all aligned with FG21/1 and Consumer Duty requirements.
Need Help with Vulnerable Customer Compliance?
Our regulatory experts can help you implement comprehensive vulnerable customer frameworks
📞 Phone: 0330 133 0811
📧 Email: contact@memaconsultants.com