All regulations
United Kingdom
FCA Consumer Duty
The FCA Consumer Duty sets a higher standard of care that UK financial services firms must give retail customers, including how AI-driven decisions affect customer outcomes.
Who it applies to
- UK-regulated banks, lenders, insurers and investment firms
- Distribution chains serving UK retail customers
- AI tools influencing pricing, eligibility or communications
Core obligations
- Act to deliver good outcomes for retail customers
- Avoid foreseeable harm from AI-driven decisions
- Provide clear, fair and not misleading communications
- Monitor outcomes and evidence them to the FCA
How Vigil24 helps
- Flags AI tools influencing customer outcomes
- Tracks fairness and transparency controls per tool
- Produces outcome-monitoring evidence for the FCA
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