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Dive into a collection of past posts and rediscover timeless content.

Editorial

Attribution proved you were awake at go-live. This proves you stayed awake.

Jul 29, 2026

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2 min read

Attribution proved you were awake at go-live. This proves you stayed awake.

The second free artefact in the series. Attribution fixes accountability at a point in time. This one runs the length of the system's life.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The Effectiveness Era Arrives

Jul 27, 2026

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4 min read

The Effectiveness Era Arrives

The FCA stopped asking whether you have financial crime controls and started counting whether they run. 29% of firms had no transaction monitoring. Agentic AI entered the sandbox the same week.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The One Oversight Record Your AI Model Governance Leaves Out

Jul 22, 2026

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5 min read

The One Oversight Record Your AI Model Governance Leaves Out

Free to use today. The evidence of individual oversight the reasonable-steps test is built to look for. First of a short series.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Four cloud giants, one BNPL Day, and six weeks to the new conduct rules

Jul 21, 2026

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12 min read

Four cloud giants, one BNPL Day, and six weeks to the new conduct rules

The Bank of England, PRA and FCA began supervising AWS, Google, Microsoft and Oracle on Monday. BNPL became regulated credit on Wednesday.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The FCA Cut the Rules. It Kept the Names.

Jul 21, 2026

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4 min read

The FCA Cut the Rules. It Kept the Names.

Three Consultations, £128 Million in Savings, and a Regulator Building a Better Model of You

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

+1

The Mills Review didn't change your obligations. It just found the evidence gap.

Jul 6, 2026

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5 min read

The Mills Review didn't change your obligations. It just found the evidence gap.

FCA publishes landmark review into impact of AI on retail financial services

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

+1

SM&CR is coming for crypto. Is your firm ready for 25 October 2027?

Jul 6, 2026

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6 min read

SM&CR is coming for crypto. Is your firm ready for 25 October 2027?

The FCA published its entire crypto rulebook, the Upper Tribunal froze motor finance redress, and the Consumer Duty is being narrowed. Here is what it means for your firm

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

 The Tribunal Hit Pause. The FCA Didn't.

Jul 3, 2026

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4 min read

The Tribunal Hit Pause. The FCA Didn't.

Five crypto policy statements went final and a redress scheme went on hold, but in both cases the FCA left the automated systems running

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The Cambridge Analytica Warning That UK Financial Services Has Not Heeded

Jun 29, 2026

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3 min read

The Cambridge Analytica Warning That UK Financial Services Has Not Heeded

AI is moving faster than accountability infrastructure in UK financial services. That gap has a name on it. Yours.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The FCA Just Put AI Accountability on a Deadline. Most UK Financial Services Firms Are Not Ready.

Jun 26, 2026

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5 min read

The FCA Just Put AI Accountability on a Deadline. Most UK Financial Services Firms Are Not Ready.

The FCA chief executive redefined what AI regulation means. The Mills Review lands in ten days. BNPL authorisation closes in five. This is the week UK financial services ran out of runway.

Emeka Ogbonnaya
Emeka Ogbonnaya
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The Accountability Record

The weekly briefing on AI governance, risk, cyber and compliance in financial services.

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