Editorial
Oct 22, 2026
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8 min read
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.
Oct 13, 2026
5 min read
Two new FCA consultations expose the gap between changing regulations and the AI systems financial services firms rely on.
Oct 12, 2026
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?
Oct 5, 2026
3 min read
The FCA's "first responder" is an AI, and it processes a billion rows a day
Aug 7, 2026
4 min read
The FCA cut thirteen reporting fields and traded prescription for judgment
Aug 6, 2026
The final artefact in the series, and the only one that keeps arriving. Written for the person on the hook, not the institution.
Aug 5, 2026
2 min read
The fourth free artefact in the series. There is no dedicated AI Senior Manager. So which of your existing duties actually covers it?
Aug 4, 2026
The third free artefact in the series. What happens, and who is accountable, when a system behaves in a way no one planned for.
Jul 29, 2026
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.
Jul 27, 2026
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.
Jul 22, 2026
Free to use today. The evidence of individual oversight the reasonable-steps test is built to look for. First of a short series.
Jul 21, 2026
12 min read
The Bank of England, PRA and FCA began supervising AWS, Google, Microsoft and Oracle on Monday. BNPL became regulated credit on Wednesday.
Three Consultations, £128 Million in Savings, and a Regulator Building a Better Model of You
+1
Jul 6, 2026
FCA publishes landmark review into impact of AI on retail financial services
6 min read
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
Jul 3, 2026
Five crypto policy statements went final and a redress scheme went on hold, but in both cases the FCA left the automated systems running
Jun 29, 2026
AI is moving faster than accountability infrastructure in UK financial services. That gap has a name on it. Yours.
Jun 26, 2026
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.
Jun 25, 2026
A proactive, collaborative, competition-hungry regulator made one thing non-negotiable. Most firms will misread it as a box to tick.
Jun 23, 2026
When AI agents act at machine speed, traditional governance gates become irrelevant. Here is what needs to replace them.
Jun 20, 2026
FCA's AI Input Zone, the evidence-gathering exercise where regulated firms were asked to submit specific examples of their AI governance has closed
Jun 1, 2026
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.
Adoption Gap
May 26, 2026
9 min read
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.
May 25, 2026
Parliament scrapped the rule book. The FCA hasn't written the new one yet. AI is already filling the gap.
May 9, 2026
The FCA is defending its motor finance redress scheme in court. The June deadline isn't in dispute.
