# Automated Compliance

> Automated Compliance Ltd builds compliance software for FCA-regulated firms and provides practitioner-led FCA compliance consultancy. Guardian, its ultimate compliance monitoring platform, ties every task and finding to the FCA Handbook provision it answers and is in production with a UK regulated lender. Handbook references on this site are verified against the FCA Handbook API at build time (mirror synced 12 October 2026: 27,169 provisions across 63 sourcebooks).

Contact: 0113 365 1077 · info@automatedcompliance.co.uk · Unit 18 Warren Park Way, Leicester LE19 4SA, United Kingdom.

For AI agents: an MCP server at https://compliancemonitoring.co.uk/mcp (tools: latest_updates, get_update, search_updates, lookup_provision, list_sectors) and a JSON API at https://compliancemonitoring.co.uk/api/index.json. Free, no authentication. Details: https://compliancemonitoring.co.uk/agents

## Software
- [Guardian: the ultimate compliance monitoring platform for FCA-regulated firms](https://compliancemonitoring.co.uk/software/guardian): Guardian, the ultimate compliance monitoring platform, ties every task, clock, complaint and finding to the FCA Handbook provision it answers, and keeps the evidence. In production with a UK regulated lender.
- [An FCA Handbook mirror you can query, with cited answers](https://compliancemonitoring.co.uk/software/handbook): A complete mirror of the FCA Handbook from the FCA's own API: 27,169 provisions across 63 sourcebooks, with an assistant that quotes and cites the provision.
- [FinProm: financial promotions review against CONC 3 and COBS 4](https://compliancemonitoring.co.uk/software/financial-promotions): Every financial promotion checked against CONC 3 and COBS 4 before publication, with an approval record for each version and a scan for old copies still live.
- [Regulatory returns and PSD008, PSD008a and PSD009 validation](https://compliancemonitoring.co.uk/software/returns): PSD008, PSD008a and PSD009 files validated against the FCA's schema and data definitions, with a written findings report, and returns reconciled to source.
- [Bespoke FCA regulatory software: twenty standalone apps](https://compliancemonitoring.co.uk/software/bespoke): Twenty standalone regulatory apps, from FinProm AI to the Consumer Duty Outcomes Engine, each testing one FCA obligation continuously and keeping the evidence.

## Services
- [AI governance for FCA-regulated firms](https://compliancemonitoring.co.uk/services/ai-governance): Governance for the AI your firm already uses: an inventory, materiality ratings, monitoring after deployment, third-party AI oversight and the Consumer Duty and SM&CR evidence.
- [Ongoing FCA compliance support for any FCA-regulated firm](https://compliancemonitoring.co.uk/services/fca-compliance): Senior compliance practitioners on retainer: gap analysis, policy reviews, FCA correspondence and the evidence file, for any FCA-regulated firm.
- [FCA authorisation, variations of permission and SMF applications](https://compliancemonitoring.co.uk/services/authorisation): Part 4A applications, variations of permission, change in control and senior manager approvals, with a business plan and policies that survive the FCA's questions.
- [Consumer Duty outcomes monitoring and the annual board report](https://compliancemonitoring.co.uk/services/consumer-duty): Outcomes monitoring that answers PRIN 2A.9.9R from your own data, and the board report the governing body approves every year.
- [Complaints handling, root-cause analysis and the Financial Ombudsman](https://compliancemonitoring.co.uk/services/complaints): Complaints run or rebuilt to meet the DISP clocks, redress calculated and complaints turned into the root-cause evidence DISP asks for.
- [Financial promotions review and approval](https://compliancemonitoring.co.uk/services/financial-promotions): 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.
- [Arrears, forbearance and vulnerable customers: policy, process and evidence](https://compliancemonitoring.co.uk/services/arrears-and-vulnerability): Collections policy and the arrears record rebuilt so every account shows individual circumstances, a sustainable arrangement and the right treatment of interest.
- [SM&CR: responsibilities, certification, references and conduct rules](https://compliancemonitoring.co.uk/services/smcr): Statements of responsibilities, certification, regulatory references and conduct rules training, scaled to whether you are a limited-scope, core or enhanced firm.
- [Appointed representative oversight for principal firms](https://compliancemonitoring.co.uk/services/appointed-representatives): Annual and triggered reviews of each appointed representative, the self-assessment document, scope control and the records to prove it.
- [RegData returns and product sales data, reconciled to source](https://compliancemonitoring.co.uk/services/regulatory-reporting): Returns and product sales data prepared from your systems and reconciled line by line; PSD008, PSD008a and PSD009 files validated before you submit.
- [The FCA Business Audit: a fixed-scope compliance review](https://compliancemonitoring.co.uk/services/fca-business-audit): A quality-assurance review of policies, governance and controls, internal audit and fair treatment of customers, with a cited findings report and a remediation plan.
- [Compliance training matched to the rules you work under](https://compliancemonitoring.co.uk/services/training): Conduct rules, Consumer Duty, complaints identification, vulnerability and financial promotions, delivered online or on site, with records for competence and SM&CR.

## Sectors
- [FCA compliance for consumer credit firms](https://compliancemonitoring.co.uk/sectors/consumer-credit): Lenders, brokers, debt firms and every other firm with a consumer credit permission, working under CONC and the Consumer Credit Act. In 2026/27, 23,820 firms pay consumer credit fees: 13,612 with limited permission and 10,208 with full permission .
- [FCA compliance for mortgage lenders and intermediaries](https://compliancemonitoring.co.uk/sectors/mortgages): Mortgage lenders, administrators and intermediaries, working under MCOB. 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 .
- [FCA compliance for insurance distributors](https://compliancemonitoring.co.uk/sectors/insurance-distribution): Brokers, intermediaries and other general insurance distributors, working under ICOBS and PROD. In 2026/27, 10,689 firms pay fees in the general insurance distribution block .
- [FCA compliance for advisers, wealth managers and investment firms](https://compliancemonitoring.co.uk/sectors/investments-and-advice): Advisers, arrangers, dealers, brokers and wealth managers, working under COBS, PROD and CASS. 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 .
- [FCA compliance for payment and e-money institutions](https://compliancemonitoring.co.uk/sectors/payments-and-e-money): Authorised payment institutions and e-money institutions, working under the Payment Services and Electronic Money Regulations and the Handbook. In 2026/27, 533 authorised payment institutions and 261 e-money institutions pay FCA fees .
- [FCA authorisation and compliance for cryptoasset firms](https://compliancemonitoring.co.uk/sectors/cryptoassets): Firms applying through the FCA's cryptoasset authorisation gateway, and those already promoting cryptoassets to UK consumers. There is no published total of cryptoasset firms. From 2020 to 2025 the FCA received 386 MLR registration applications and approved 62 .
- [FCA compliance for funeral plan providers and intermediaries](https://compliancemonitoring.co.uk/sectors/funeral-plans): Funeral plan providers and intermediaries, working under FPCOB. In 2026/27, 189 firms pay fees as funeral plan providers and intermediaries .
- [FCA compliance for claims management companies](https://compliancemonitoring.co.uk/sectors/claims-management): Claims management companies, working under CMCOB. 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 .
- [Compliance for principal firms and their appointed representatives](https://compliancemonitoring.co.uk/sectors/appointed-representatives): Principal firms, and the oversight SUP 12 requires of them. At the end of March 2026, 2,431 principals oversaw 33,347 appointed representatives: 20,728 full and 12,619 introducer .

## Regulatory updates
- [AI survey 2026: 86% of firms use AI, but monitoring after deployment lags](https://compliancemonitoring.co.uk/updates/2026/10/ai-in-uk-financial-services-2026-survey): The Bank of England and FCA's fourth survey of AI in UK financial services finds adoption, agents and third-party AI all up. Controls before deployment are near-universal; ongoing monitoring is reported by around half of respondents.
- [AI in financial services: the FCA's good and poor practice adds no new rules](https://compliancemonitoring.co.uk/updates/2026/10/ai-good-and-poor-practice): The FCA's review of AI in retail financial services sets out good and poor practice in three areas and says plainly that it does not create new requirements. The Consumer Duty and SM&CR carry the weight.
- [Handbook sync: 34 chapters changed, including DISP 3, SUP 16, FEES and a new PERG 18](https://compliancemonitoring.co.uk/updates/2026/10/handbook-sync-34-chapters): Our mirror of the FCA Handbook was re-synced from the FCA's API on 12 October 2026. Thirty-four chapters had changed since the previous sync.
- [The Financial Ombudsman's new dismissal grounds apply from 1 October 2026](https://compliancemonitoring.co.uk/updates/2026/10/ombudsman-dismissal-grounds): For complaints referred on or after 1 October 2026, the Ombudsman may dismiss a complaint without considering its merits on the grounds now set out in DISP 3.3.4CR.

## Optional
- [FCA Guardian – Automated Compliance Auditor: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/fca-guardian-automated-compliance-auditor): FCA Guardian – Automated Compliance Auditor. Audits loans, calls, complaints, collections, promotions and outcomes against the Handbook and your own policies, continuously.
- [FinProm AI: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/finprom-ai): FinProm AI. Reviews every promotion before publication and keeps the approval record.
- [Consumer Duty Outcomes Engine: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/consumer-duty-outcomes-engine): Consumer Duty Outcomes Engine. Answers the four outcome tests from live data and drafts the board report.
- [AR Principal OS: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/ar-principal-os): AR Principal OS. Per-AR risk, annual and triggered reviews, the self-assessment document and scope-creep scanning, with a separate tier for introducer ARs.
- [Responsible Lending QA: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/responsible-lending-qa): Responsible Lending QA. Re-performs every lending decision overnight and shows weak verification and override drift by underwriter.
- [Vulnerability AI: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/vulnerability-ai): Vulnerability AI. Detects indicators across calls, chat, email and notes, and proves what happened next.
- [Arrears & Forbearance Guardian: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/arrears-and-forbearance-guardian): Arrears & Forbearance Guardian. An arrears support record for every account, tested against CONC 7.
- [Complaints & FOS AI: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/complaints-and-fos-ai): Complaints & FOS AI. Structured complaints, systemic-issue detection, DISP clocks and evidence-backed drafting.
- [Customer Understanding Tester: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/customer-understanding-tester): Customer Understanding Tester. Tests comprehension before completion and proves the fix improved it.
- [Fair Value Engine: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/fair-value-engine): Fair Value Engine. Initial and ongoing value assessments, with the pack distributors need.
- [SMF Reasonable Steps Vault: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/smf-reasonable-steps-vault): SMF Reasonable Steps Vault. A contemporaneous reasonable-steps record for each senior manager in core and enhanced firms.
- [FCA Returns Automation: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/fca-returns-automation): FCA Returns Automation. Draft returns from operational data, every figure reconciled to source, with PSD file validation.
- [Broker & Lead-Source Guardian: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/broker-and-lead-source-guardian): Broker & Lead-Source Guardian. Per-broker outcomes, commission disclosure and fee checks, with an enhanced-oversight workflow.
- [100% Call Monitoring AI: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/call-monitoring-ai): 100% Call Monitoring AI. Every sales, underwriting and collections call scored against its own rule set.
- [CCA Document Guardian: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/cca-document-guardian): CCA Document Guardian. Agreements, statements and statutory notices checked, with a statutory calendar for each customer, built to survive Consumer Credit Act reform.
- [Marketing Resurrection Checker: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/marketing-resurrection-checker): Marketing Resurrection Checker. Governs re-marketing to abandoned applicants, dormant and former customers.
- [Mortgage Arrears Assistant: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/mortgage-arrears-assistant): Mortgage Arrears Assistant. An MCOB 13 payment-difficulty workflow with capitalisation and repossession controls.
- [Pawnbroking Compliance OS: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/pawnbroking-compliance-os): Pawnbroking Compliance OS. Pledge records, notices, redemption and sale controls.
- [Regulatory Change AI: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/regulatory-change-ai): Regulatory Change AI. Reads Handbook changes and FCA publications, and updates obligations and controls.
- [FCA Evidence Room / Regulatory Response AI: bespoke FCA regulatory software](https://compliancemonitoring.co.uk/software/bespoke/fca-evidence-room): FCA Evidence Room / Regulatory Response AI. Assembles the pack for an FCA request and tracks what must be notified.
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