{
 "publisher": "Automated Compliance Ltd",
 "site": "https://compliancemonitoring.co.uk",
 "licence": "Free to use with attribution and a link to the page cited. Information, not advice.",
 "handbook_mirror": {
  "provisions": "27,169",
  "sourcebooks": "63",
  "synced": "2026-10-12"
 },
 "generated": "2026-10-26",
 "sectors": [
  {
   "name": "Consumer credit",
   "url": "https://compliancemonitoring.co.uk/sectors/consumer-credit",
   "summary": "Lenders, brokers, debt firms and every other firm with a consumer credit permission, working under CONC and the Consumer Credit Act.",
   "size": "In 2026/27, 23,820 firms pay consumer credit fees: 13,612 with limited permission and 10,208 with full permission .",
   "applies_now": [
    "Deferred payment credit came under FCA regulation on 15 July 2026 .",
    "Consumer Credit Act reform proceeds through the Financial Services and Markets Bill, with most information requirements to be recast as FCA rules .",
    "CP26/15 proposes simplifying the CONC 3 promotion rules .",
    "The motor finance redress scheme is partly suspended pending a hearing from 16 to 26 February 2027 ."
   ]
  },
  {
   "name": "Mortgages",
   "url": "https://compliancemonitoring.co.uk/sectors/mortgages",
   "summary": "Mortgage lenders, administrators and intermediaries, working under MCOB.",
   "size": "In 2026/27, 4,789 firms pay fees as home finance intermediaries and 364 as home finance providers and administrators . The FCA describes the market as over 180 lenders and 5,000 intermediaries .",
   "applies_now": [
    "Consumer Duty year three: the FCA wants board reports to link data to outcomes and evidence board challenge ."
   ]
  },
  {
   "name": "Insurance distribution",
   "url": "https://compliancemonitoring.co.uk/sectors/insurance-distribution",
   "summary": "Brokers, intermediaries and other general insurance distributors, working under ICOBS and PROD.",
   "size": "In 2026/27, 10,689 firms pay fees in the general insurance distribution block .",
   "applies_now": [
    "Consumer Duty year three priorities include monitoring outcomes delivered by third parties, which reaches distribution chains .",
    "CP26/23 proposes clarifying reliance between firms in distribution chains; rules are expected in Q1 2027 ."
   ]
  },
  {
   "name": "Investments and advice",
   "url": "https://compliancemonitoring.co.uk/sectors/investments-and-advice",
   "summary": "Advisers, arrangers, dealers, brokers and wealth managers, working under COBS, PROD and CASS.",
   "size": "In 2026/27, 9,260 firms pay fees as advisers, arrangers, dealers and brokers . 5,616 firms held retail investment advice permissions during 2025, with 38,426 advisers .",
   "applies_now": [
    "Targeted support went live on 6 April 2026 .",
    "SM&CR Phase 1 changes took effect on 24 April 2026 ."
   ]
  },
  {
   "name": "Payments and e-money",
   "url": "https://compliancemonitoring.co.uk/sectors/payments-and-e-money",
   "summary": "Authorised payment institutions and e-money institutions, working under the Payment Services and Electronic Money Regulations and the Handbook.",
   "size": "In 2026/27, 533 authorised payment institutions and 261 e-money institutions pay FCA fees .",
   "applies_now": [
    "APP fraud reimbursement is capped at £85,000 per claim ; the PSR's evaluation found reimbursement rose to 65% of all claims .",
    "Operational incident and third-party reporting rules apply from 18 March 2027 ."
   ]
  },
  {
   "name": "Cryptoassets",
   "url": "https://compliancemonitoring.co.uk/sectors/cryptoassets",
   "summary": "Firms applying through the FCA's cryptoasset authorisation gateway, and those already promoting cryptoassets to UK consumers.",
   "size": "There is no published total of cryptoasset firms. From 2020 to 2025 the FCA received 386 MLR registration applications and approved 62 .",
   "applies_now": [
    "The authorisation gateway opened on 30 September 2026 and accepts applications until 28 February 2027 .",
    "The regime comes into force on 25 October 2027 .",
    "MLR registrations do not carry over: there is no automatic conversion .",
    "PS26/18 perimeter guidance was published on 16 September 2026 ."
   ]
  },
  {
   "name": "Funeral plans",
   "url": "https://compliancemonitoring.co.uk/sectors/funeral-plans",
   "summary": "Funeral plan providers and intermediaries, working under FPCOB.",
   "size": "In 2026/27, 189 firms pay fees as funeral plan providers and intermediaries .",
   "applies_now": [
    "Consumer Duty year three priorities apply ."
   ]
  },
  {
   "name": "Claims management",
   "url": "https://compliancemonitoring.co.uk/sectors/claims-management",
   "summary": "Claims management companies, working under CMCOB.",
   "size": "375 claims management companies pay FCA fees in 2026/27 ; 483 were authorised at 11 May 2026, down every year from 942 in April 2019 .",
   "applies_now": [
    "The FCA opened a review of claims management companies and law firms on 6 May 2026 ."
   ]
  },
  {
   "name": "Appointed representatives",
   "url": "https://compliancemonitoring.co.uk/sectors/appointed-representatives",
   "summary": "Principal firms, and the oversight SUP 12 requires of them.",
   "size": "At the end of March 2026, 2,431 principals oversaw 33,347 appointed representatives: 20,728 full and 12,619 introducer .",
   "applies_now": [
    "The Financial Services and Markets Bill would bring ARs into SM&CR scope and create an AR-oversight senior management function ."
   ]
  }
 ],
 "services": [
  {
   "name": "AI governance",
   "url": "https://compliancemonitoring.co.uk/services/ai-governance",
   "summary": "Governance for the AI your firm already uses: an inventory, materiality ratings, monitoring after deployment as well as before, oversight of third-party AI, and the Consumer Duty and SM&CR evidence the FCA will ask for."
  },
  {
   "name": "Retained compliance",
   "url": "https://compliancemonitoring.co.uk/services/fca-compliance",
   "summary": "Senior practitioners on retainer for any FCA-regulated firm, with gap analysis, policy reviews and FCA correspondence handled for you."
  },
  {
   "name": "Authorisation",
   "url": "https://compliancemonitoring.co.uk/services/authorisation",
   "summary": "Applications for permission, variations of permission, change in control and senior manager approvals, with the business plan and policies that survive the FCA's questions."
  },
  {
   "name": "Consumer Duty",
   "url": "https://compliancemonitoring.co.uk/services/consumer-duty",
   "summary": "We set up outcomes monitoring that answers the four outcome tests from your own data, and produce the report your governing body has to approve every year."
  },
  {
   "name": "Complaints",
   "url": "https://compliancemonitoring.co.uk/services/complaints",
   "summary": "We run or rebuild your complaints process, meet the DISP clocks, calculate redress, and turn complaints into the root-cause evidence DISP asks for."
  },
  {
   "name": "Financial promotions",
   "url": "https://compliancemonitoring.co.uk/services/financial-promotions",
   "summary": "Pre-publication review of every channel against the financial promotion rules, an approval record for each version, and checks that old versions are not still live."
  },
  {
   "name": "Arrears and vulnerability",
   "url": "https://compliancemonitoring.co.uk/services/arrears-and-vulnerability",
   "summary": "We rebuild collections policy and the arrears record so every account shows individual circumstances, a sustainable arrangement and the right treatment of interest."
  },
  {
   "name": "SM&CR",
   "url": "https://compliancemonitoring.co.uk/services/smcr",
   "summary": "Statements of responsibilities, certification, regulatory references and conduct rules training, scaled to whether you are a limited-scope, core or enhanced firm."
  },
  {
   "name": "AR oversight",
   "url": "https://compliancemonitoring.co.uk/services/appointed-representatives",
   "summary": "Annual and triggered reviews of each appointed representative, the governing body's self-assessment document, scope control and the records to prove it."
  },
  {
   "name": "Regulatory reporting",
   "url": "https://compliancemonitoring.co.uk/services/regulatory-reporting",
   "summary": "Returns and product sales data prepared from your systems and reconciled line by line, with PSD files validated against the FCA's own schema before you submit."
  },
  {
   "name": "FCA Business Audit",
   "url": "https://compliancemonitoring.co.uk/services/fca-business-audit",
   "summary": "A quality-assurance review of your policies, governance and controls, internal audit and QA, and fair treatment of customers including vulnerability, with a cited findings report and a remediation plan."
  },
  {
   "name": "Training",
   "url": "https://compliancemonitoring.co.uk/services/training",
   "summary": "Conduct rules, Consumer Duty, complaints identification, vulnerability and financial promotions, delivered online or on site, with records for competence and SM&CR."
  }
 ],
 "software": [
  {
   "name": "Guardian",
   "url": "https://compliancemonitoring.co.uk/software/guardian",
   "summary": "The ultimate compliance monitoring platform"
  },
  {
   "name": "Handbook mirror",
   "url": "https://compliancemonitoring.co.uk/software/handbook",
   "summary": "The whole Handbook, quotable"
  },
  {
   "name": "FinProm review",
   "url": "https://compliancemonitoring.co.uk/software/financial-promotions",
   "summary": "Promotions approved and evidenced"
  },
  {
   "name": "Returns and PSD",
   "url": "https://compliancemonitoring.co.uk/software/returns",
   "summary": "Validated before you submit"
  },
  {
   "name": "Bespoke apps",
   "url": "https://compliancemonitoring.co.uk/software/bespoke",
   "summary": "Twenty standalone products"
  },
  {
   "name": "Voice agents",
   "url": "https://compliancemonitoring.co.uk/software/voice-agents",
   "summary": "Loan applications and collections"
  },
  {
   "name": "FCA Guardian – Automated Compliance Auditor",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/fca-guardian-automated-compliance-auditor",
   "summary": "Audits loans, calls, complaints, collections, promotions and outcomes against the Handbook and your own policies, continuously."
  },
  {
   "name": "FinProm AI",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/finprom-ai",
   "summary": "Reviews every promotion before publication and keeps the approval record."
  },
  {
   "name": "Consumer Duty Outcomes Engine",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/consumer-duty-outcomes-engine",
   "summary": "Answers the four outcome tests from live data and drafts the board report."
  },
  {
   "name": "AR Principal OS",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/ar-principal-os",
   "summary": "Per-AR risk, annual and triggered reviews, the self-assessment document and scope-creep scanning, with a separate tier for introducer ARs."
  },
  {
   "name": "Responsible Lending QA",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/responsible-lending-qa",
   "summary": "Re-performs every lending decision overnight and shows weak verification and override drift by underwriter."
  },
  {
   "name": "Vulnerability AI",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/vulnerability-ai",
   "summary": "Detects indicators across calls, chat, email and notes, and proves what happened next."
  },
  {
   "name": "Arrears & Forbearance Guardian",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/arrears-and-forbearance-guardian",
   "summary": "An arrears support record for every account, tested against CONC 7."
  },
  {
   "name": "Complaints & FOS AI",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/complaints-and-fos-ai",
   "summary": "Structured complaints, systemic-issue detection, DISP clocks and evidence-backed drafting."
  },
  {
   "name": "Customer Understanding Tester",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/customer-understanding-tester",
   "summary": "Tests comprehension before completion and proves the fix improved it."
  },
  {
   "name": "Fair Value Engine",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/fair-value-engine",
   "summary": "Initial and ongoing value assessments, with the pack distributors need."
  },
  {
   "name": "SMF Reasonable Steps Vault",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/smf-reasonable-steps-vault",
   "summary": "A contemporaneous reasonable-steps record for each senior manager in core and enhanced firms."
  },
  {
   "name": "FCA Returns Automation",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/fca-returns-automation",
   "summary": "Draft returns from operational data, every figure reconciled to source, with PSD file validation."
  },
  {
   "name": "Broker & Lead-Source Guardian",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/broker-and-lead-source-guardian",
   "summary": "Per-broker outcomes, commission disclosure and fee checks, with an enhanced-oversight workflow."
  },
  {
   "name": "100% Call Monitoring AI",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/call-monitoring-ai",
   "summary": "Every sales, underwriting and collections call scored against its own rule set."
  },
  {
   "name": "CCA Document Guardian",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/cca-document-guardian",
   "summary": "Agreements, statements and statutory notices checked, with a statutory calendar for each customer, built to survive Consumer Credit Act reform."
  },
  {
   "name": "Marketing Resurrection Checker",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/marketing-resurrection-checker",
   "summary": "Governs re-marketing to abandoned applicants, dormant and former customers."
  },
  {
   "name": "Mortgage Arrears Assistant",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/mortgage-arrears-assistant",
   "summary": "An MCOB 13 payment-difficulty workflow with capitalisation and repossession controls."
  },
  {
   "name": "Pawnbroking Compliance OS",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/pawnbroking-compliance-os",
   "summary": "Pledge records, notices, redemption and sale controls."
  },
  {
   "name": "Regulatory Change AI",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/regulatory-change-ai",
   "summary": "Reads Handbook changes and FCA publications, and updates obligations and controls."
  },
  {
   "name": "FCA Evidence Room / Regulatory Response AI",
   "url": "https://compliancemonitoring.co.uk/software/bespoke/fca-evidence-room",
   "summary": "Assembles the pack for an FCA request and tracks what must be notified."
  }
 ],
 "contact": {
  "phone": "0113 365 1077",
  "email": "info@automatedcompliance.co.uk",
  "book": "https://compliancemonitoring.co.uk/contact"
 }
}