T&C Scheme Framework – How to build your scheme 2024 version
We are often asked how to build or structure a T&C scheme or Competence framework.…
Browsing: Consumer Duty
Consumer Duty unintended consequences: Good intentions, chaotic execution?
Is the sector being unfairly targeted by an overzealous regulator, or is it just being…
Regulators playing catch up with AI governance
Artificial intelligence (AI) is the simulation of human intelligence processes by machines. It is a…
Vulnerability is not as simple as black and white
The issue of customer vulnerability is not a new one in financial services. But, the…
How is the mortgage charter working for consumers?
Just over a year ago the Chancellor of the Exchequer announced, with much fanfare, a…
People – who knows any of those?
The old saying “there’s nowt so queer as folk” is even more apt these days…
Firms having to take a long hard look in the mirror over fees and interest payments
Many changes to the financial industry have been implemented because of the new Consumer Duty…
Advice v Guidance
This has been a question that the financial services industry has been struggling with over…
Will mortgage prisoners be saved by the FCA ‘closed book’ Consumer Duty rules?
We have heard about the plight of mortgage prisoners for well over a decade now. …
Nostradamus 2: a look ahead to T&C in 2024
Last year, Jeff asked me to gaze into the future and share my thoughts about…