Insights
Analysis & Perspectives
Can the FCA Handbook API help firms demonstrate compliance?
The FCA Handbook API makes regulatory content easier for systems to access and process, but it does not remove firms’ responsibility for judgement and oversight. Its value grows when rules can be linked to operational evidence and customer outcomes.
Will simpler transaction reporting put greater focus on data quality?
The FCA’s transaction reporting reforms reduce some obligations but do not lower expectations for data quality, governance or oversight. Firms need to review controls and evidence reporting effectiveness.
FCA CP26/28: What the proposed AIFM reforms mean for governance and oversight
The FCA’s CP26/28 proposals for Alternative Investment Fund Managers carry broader governance lessons. Firms beyond asset management should not treat the consultation as cross-sector rules, but can learn from its focus on information, oversight and evidence.
IBS Intelligence: AI governance and why evidence and accountability matter
As AI becomes more embedded in financial services, firms need evidence of deployment, accountability for decisions and monitoring of customer outcomes.
Why outcomes monitoring needs more than management information
The FCA’s review highlights that collecting management information is not enough unless firms can show what it reveals, what action followed and whether customer outcomes improved.
European Business Magazine: Mills Review highlights the growing need for AI oversight and evidencing in financial services
TCC Group and Recordsure CEO Joe Norburn discusses the FCA’s Mills Review in European Business Magazine, focusing on AI governance, unchanged regulatory duties, transparency and evidence of customer outcomes.
Consumer Duty board reports: from governance to customer outcomes
Consumer Duty board reporting should evidence what customers experience, not only confirm that governance processes exist. Customer interactions can help boards test assumptions, identify risks and challenge management information.
Money Marketing: Preventing foreseeable harm under Consumer Duty
Joe Norburn’s Money Marketing opinion piece calls on firms to prevent foreseeable harm before it emerges through traditional warning signs. Ongoing monitoring of interactions and behavioural trends can support that expectation.
How can firms maintain oversight as AI takes on more decisions?
The FCA Mills Review describes a financial services market in which AI increasingly influences decisions and customer journeys. Recordsure’s perspective is that firms will need continuous monitoring, clear evidence and effective human oversight as this responsibility grows.
Citywire: Platforms seek greater visibility over AML controls
Citywire reports that investment platforms are strengthening AML checks as FCA scrutiny of financial crime oversight increases. Firms need evidence of due diligence, monitoring and accountability across adviser and platform relationships.
FPS: The risk of fragmented financial crime oversight
Fraud, money laundering, scams and crypto-enabled crime are increasingly interconnected, making connected oversight essential for clearer financial crime risk visibility.
Attivo CEO: Off-the-shelf AI won’t pass compliance scrutiny – custom AI will
Attivo’s partnership with Recordsure shows why regulated advice oversight needs firm-specific AI, with governance, traceability, defensible reporting and pre-delivery review built in.
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Major UK retail bank
Improving oversight and QA across mortgage advice
Read case study: Improving oversight and QA across mortgage advice
Major UK Tier 1 bank
Improving QA oversight and reporting across business banking conversations
Read case study: Improving QA oversight and reporting across business banking conversations
Government Department — UK
Digitalising interview recording to reduce cost and improve efficiency.
Read case study: Digitalising interview recording to reduce cost and improve efficiency.