Summary
What this article covers in 30 seconds
- The FCA’s focus is moving towards evidencing compliance and proving Consumer Duty outcomes.
- Political pressure may continue, but operational scrutiny is expected to increase.
- Firms should combine predictive AI with human oversight to prepare for 2026.
Following the FCA’s evolving focus on evidencing compliance, Joe Norburn, CEO of TCC Group (TCC, Momenta and Recordsure), has outlined how firms can prepare for 2026 by adopting data-led approaches that combine predictive AI with human oversight — as featured in IT Reseller.
If 2024 and 2025 were about interpreting the FCA’s Consumer Duty, 2026 will be about proving it. Political pressure to stimulate growth may continue and talk of ‘reducing burdens’ will persist. However, firms should expect the operational reality to move in the opposite direction: more targeted evidence requests, more granular scrutiny and less tolerance for ‘we think we’re doing the right thing’ without demonstrable proof.
Frequently asked questions
2026 will be about proving Consumer Duty outcomes, not only interpreting the rules.
Firms can prepare by adopting data-led approaches that combine predictive AI with human oversight.