Emeka Ogbonnaya

Who Owns Your Riskiest AI Agent? Two Regulators Just Asked

Banks just locked out AI agents. Who carries the risk?

Ten banks, one question: who answers for the AI agent?, The ECB's AI-cyber deadline passed Saturday.

Senior Managers Couldn't Show The Steps They Took on AI. Could you?

The FCA has set out what good AI governance looks like and where firms fall short. What your model risk framework already covers, what it doesn't, and who owns the gap.

The Rules Changed. Did Your AI Get the Memo?

Two new FCA consultations expose the gap between changing regulations and the AI systems financial services firms rely on.

Six Days to the FCA’s Crypto Gate. Five Days to a New Declaration. One Accountability Gap.

Two FCA changes arriving this month put a sharper question to regulated firms: when AI shapes a decision, can you evidence the human judgement, ownership and oversight behind it?

A Billion Rows a Day, and One Name on the Application

The FCA's "first responder" is an AI, and it processes a billion rows a day

The MIFID Transaction Reporting Is Changing

The FCA cut thirteen reporting fields and traded prescription for judgment

The reasonable-steps bar moves. This is how you move with it.

The final artefact in the series, and the only one that keeps arriving. Written for the person on the hook, not the institution.

Your Statement of Responsibilities and your AI are written in different languages.

The fourth free artefact in the series. There is no dedicated AI Senior Manager. So which of your existing duties actually covers it?

The evidence you improvise mid-crisis is the weakest kind there is.

The third free artefact in the series. What happens, and who is accountable, when a system behaves in a way no one planned for.

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.

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.

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.

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.

The FCA Cut the Rules. It Kept the Names.

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

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

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

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

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.

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.

The FCA Just Cleared the Runway. It Didn't Take the Controls.

A proactive, collaborative, competition-hungry regulator made one thing non-negotiable. Most firms will misread it as a box to tick.

Digital Transformation In The Agentic Era: Why The Old Playbook No Longer Works

When AI agents act at machine speed, traditional governance gates become irrelevant. Here is what needs to replace them.

The AI Input Zone Closed: The FCA Now Has the Industry's Evidence

FCA's AI Input Zone, the evidence-gathering exercise where regulated firms were asked to submit specific examples of their AI governance has closed

Not Theory. Evidence. You Have Until 19 June.

The FCA has stopped asking firms how they govern AI and started asking them to prove it, with a deadline that is now 18 days away.

The AI Act blinked. Your deadlines didn't.

EU AI Act high-risk AI deferred 16 months to December 2027. BNPL regulation goes live in seven weeks. SM&CR Phase 2 confirmed. Your September conduct rules don't care about any of the above.