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title: MO® Compliance Chat
description: MO® Compliance Chat
---

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# The Model Office Blog

[![](https://resources.model-office.co.uk/hubfs/IMG_8649-1.jpeg)](https://resources.model-office.co.uk/non-financial-misconduct-is-now-an-fca-conduct-issue-firms-need-evidence-not-just-policies)

## [Non-Financial Misconduct is now an FCA Conduct issue, firms need evidence, not just policies](https://resources.model-office.co.uk/non-financial-misconduct-is-now-an-fca-conduct-issue-firms-need-evidence-not-just-policies)

 \[fa icon="calendar'\] Sep 2, 2026, 9:58:27 AM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty), [nonfinancialmisconduct](https://resources.model-office.co.uk/topic/nonfinancialmisconduct)

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From**1 September 2026**, the FCA’s new Non-Financial Misconduct (NFM) rules and guidance are in force. This is an important extension of individual accountability and firms’ responsibilities for governance, culture and conduct.

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[![](https://resources.model-office.co.uk/hubfs/IMG_8649-1.jpeg)](https://resources.model-office.co.uk/the-fca-2025-rmar-data-and-what-this-means-for-compliance)

## [The FCA 2025 RMAR Data and what this means for compliance](https://resources.model-office.co.uk/the-fca-2025-rmar-data-and-what-this-means-for-compliance)

 \[fa icon="calendar'\] Jul 24, 2026, 11:54:52 AM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

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The FCA's latest Retail Mediation Activities Return (RMAR) provides another valuable insight into the changing shape of the UK intermediary market. Looking beyond the headline revenue figures, the 2025 data continues a trend that has become increasingly evident over recent years: there are fewer regulated firms, larger businesses are accounting for a greater proportion of market activity, and firms are operating under increasing operational and regulatory pressure.

For advisory businesses, growth is clearly still achievable. The challenge is whether firms can scale profitably when regulatory expectations, operational complexity and compliance costs continue to rise.

Revenue continues to grow despite market consolidation

The RMAR figures show strong revenue growth across all three major intermediary sectors.

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/the-fca-2025-rmar-data-and-what-this-means-for-compliance)

[![](https://resources.model-office.co.uk/hubfs/IMG_8649-1.jpeg)](https://resources.model-office.co.uk/the-mills-review-ai-innovation-must-be-matched-by-ai-governance)

## [The Mills Review: AI Innovation Must Be Matched by AI Governance](https://resources.model-office.co.uk/the-mills-review-ai-innovation-must-be-matched-by-ai-governance)

 \[fa icon="calendar'\] Jul 7, 2026, 10:21:41 AM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

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Yesterday I attended the launch of the FCA's**Mills Review**, which is likely to become one of the defining papers shaping the future of AI within UK retail financial services. Rather than debating whether firms should adopt AI, the Review focuses on a more important question:**how do we accelerate innovation while maintaining consumer trust, market integrity and effective supervision?**

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/the-mills-review-ai-innovation-must-be-matched-by-ai-governance)

[![](https://resources.model-office.co.uk/hubfs/MO%20Reg%20Mapping%20Assurance%20Matrix.png)](https://resources.model-office.co.uk/ai-governance-security-and-assurance-policy-and-regulatory-framework)

## [AI Governance, Security and Assurance Policy and Regulatory Framework](https://resources.model-office.co.uk/ai-governance-security-and-assurance-policy-and-regulatory-framework)

 \[fa icon="calendar'\] Jun 15, 2026, 5:58:44 PM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

[\[fa icon="comment"\] 0 Comments](https://resources.model-office.co.uk/ai-governance-security-and-assurance-policy-and-regulatory-framework#comments-listing)

# Why AI Governance Matters: Moving Beyond the AI Marketing Brochure

Artificial Intelligence is rapidly becoming embedded within financial services. From RegData analytics, client file reviews and compliance monitoring through to suitability assessments, customer support and operational oversight, firms are increasingly relying on AI to improve efficiency and decision-making.

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/ai-governance-security-and-assurance-policy-and-regulatory-framework)

[![](https://resources.model-office.co.uk/hubfs/IMG_8649.jpeg)](https://resources.model-office.co.uk/fca-consumer-duty-board-report-review)

## [FCA Consumer Duty Board Report Review](https://resources.model-office.co.uk/fca-consumer-duty-board-report-review)

 \[fa icon="calendar'\] May 29, 2026, 4:58:26 PM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

[\[fa icon="comment"\] 0 Comments](https://resources.model-office.co.uk/fca-consumer-duty-board-report-review#comments-listing)

The FCA’s recent good and poor practice review of Consumer Duty board reports is clear on one point: narrative without evidence is no longer sufficient. Boards are expected to demonstrate, with structured and reliable data, how they are monitoring outcomes, identifying risk and acting where standards fall short.

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/fca-consumer-duty-board-report-review)

[![](https://resources.model-office.co.uk/hubfs/IMG_8649.jpeg)](https://resources.model-office.co.uk/ps26/6-revising-the-smcr)

## [PS26/6 Revising the SM&CR](https://resources.model-office.co.uk/ps26/6-revising-the-smcr)

 \[fa icon="calendar'\] May 28, 2026, 4:46:28 PM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

[\[fa icon="comment"\] 0 Comments](https://resources.model-office.co.uk/ps26/6-revising-the-smcr#comments-listing)

## FCA SM&CR Review: More Proportionate, Still Accountable

The FCA and PRA’s latest review of the Senior Managers & Certification Regime (SM&CR) signals a clear shift in regulatory direction. The regulator is not stepping back from accountability. Instead, it is trying to reduce operational friction and administrative duplication while maintaining strong governance and individual responsibility.

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/ps26/6-revising-the-smcr)

[![](https://resources.model-office.co.uk/hubfs/IMG_8649.jpeg)](https://resources.model-office.co.uk/cp26/10-simplifying-the-fca-handbook)

## [CP26/10 Simplifying the FCA Handbook](https://resources.model-office.co.uk/cp26/10-simplifying-the-fca-handbook)

 \[fa icon="calendar'\] May 28, 2026, 4:42:39 PM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

[\[fa icon="comment"\] 0 Comments](https://resources.model-office.co.uk/cp26/10-simplifying-the-fca-handbook#comments-listing)

The FCA’s latest consultation paper [CP26/10](https://www.fca.org.uk/publications/consultation-papers/cp26-10-simplifying-pensions-investment-advice-rules) is another clear signal that the regulator is continuing its shift toward a more flexible, outcomes-based advice framework, underpinned by Consumer Duty and supported by smarter, data-led supervision.

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/cp26/10-simplifying-the-fca-handbook)

[![](https://resources.model-office.co.uk/hubfs/1770204179716-1.jpg)](https://resources.model-office.co.uk/the-fca-model-office-and-regulatory-moats)

## [The FCA, Model Office and Regulatory Moats](https://resources.model-office.co.uk/the-fca-model-office-and-regulatory-moats)

 \[fa icon="calendar'\] May 21, 2026, 5:21:31 PM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

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For many UK financial services firms, regulation is still approached as a cost centre or operational burden. Increasingly, that is the wrong lens. Regulation is becoming a competitive differentiator, particularly in the age of data and AI. 

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/the-fca-model-office-and-regulatory-moats)

[![](https://resources.model-office.co.uk/hubfs/1770204179716-1.jpg)](https://resources.model-office.co.uk/the-fca-ai-lab-supercharged-academy-2026)

## [The FCA AI LAB Supercharged Academy 2026](https://resources.model-office.co.uk/the-fca-ai-lab-supercharged-academy-2026)

 \[fa icon="calendar'\] May 12, 2026, 3:23:44 PM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

[\[fa icon="comment"\] 0 Comments](https://resources.model-office.co.uk/the-fca-ai-lab-supercharged-academy-2026#comments-listing)

In January ’26, [Model Office](https://www.model-office.co.uk) were lucky enough to be selected to participate in the FCA inaugural [AI Lab](https://www.fca.org.uk/firms/innovation/ai-lab) Supercharged Academy. Thirty two AI firms coming together with the excellent support of [Centre for Technology and Entrepreneurship (CFTE)](https://courses.cfte.education/about-us/) for a ten week immersive programme which has contributed to some the most important stages in the evolution of our RegTech business.

[Read More \[fa icon="long-arrow-right"\]](https://resources.model-office.co.uk/the-fca-ai-lab-supercharged-academy-2026)

[![](https://resources.model-office.co.uk/hubfs/IMG_8649-1.jpeg)](https://resources.model-office.co.uk/fca-advice-market-consolidation-review)

## [FCA Advice Market Consolidation Review](https://resources.model-office.co.uk/fca-advice-market-consolidation-review)

 \[fa icon="calendar'\] May 5, 2026, 1:45:14 PM / by [Chris Davies](https://resources.model-office.co.uk/author/chris-davies) posted in [Financial regulation](https://resources.model-office.co.uk/topic/financial-regulation), [fintech](https://resources.model-office.co.uk/topic/fintech), [client engagement](https://resources.model-office.co.uk/topic/client-engagement), [regtech](https://resources.model-office.co.uk/topic/regtech), [Risk management](https://resources.model-office.co.uk/topic/risk-management), [practice management](https://resources.model-office.co.uk/topic/practice-management), [FCA](https://resources.model-office.co.uk/topic/fca), [HMT](https://resources.model-office.co.uk/topic/hmt), [Data](https://resources.model-office.co.uk/topic/data), [AI](https://resources.model-office.co.uk/topic/ai), [Risk,](https://resources.model-office.co.uk/topic/risk), [governance](https://resources.model-office.co.uk/topic/governance), [compliance](https://resources.model-office.co.uk/topic/compliance), [consumer duty](https://resources.model-office.co.uk/topic/consumer-duty)

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**FCA review: consolidation in financial advice and wealth management – what firms need to do next**

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