CompliTraceAI uses AI-powered NLP to help small UK financial firms meet Consumer Duty obligations, detect vulnerable customers, and generate FCA-ready evidence packs — in minutes, not months.
The FCA's Consumer Duty requires every regulated firm to evidence good customer outcomes — but most small firms have no system to do it.
The FCA's 2024 Consumer Duty review found that 40% of small firms could not provide adequate evidence of customer outcome monitoring when audited. The default penalty: enforcement action.
68% of small UK financial firms have no systematic method to proactively identify vulnerable customers — a direct Consumer Duty obligation under FCA FG21/1. Manual spreadsheets miss the signals.
Thomson Reuters and RNA Analytics charge £20,000–£100,000 per year. Compliance consultants bill £150–£400/hour. For a small mortgage broker or IFA, this is simply not viable.
The average small FCA-regulated firm spends over 80 hours per month on manual compliance tasks — spreadsheets, filing, reporting — equivalent to half a full-time employee doing nothing but paperwork.
Three AI-powered core modules purpose-built for the FCA regulatory framework — not adapted from generic compliance tools.
Auto-generate FCA-format references (CTR-YYYYMMDD-XXXX). Full lifecycle tracking from receipt to FCA redress reporting with severity classification, action timelines, and assigned ownership.
FCA DISP compliantTrack all four Consumer Duty outcomes in real time: Products & Services, Price & Value, Consumer Understanding, Consumer Support. Score each outcome and generate evidence packs instantly.
Consumer Duty 2023Flag customers across five vulnerability dimensions: health, life events, financial resilience, digital capability, and access. Assign care pathways aligned to FCA FG21/1 guidance.
FCA FG21/1 alignedAssign, prioritise, and track regulatory tasks across your team with Kanban and list views. Priority levels, due dates, overdue alerts, and a live Compliance Health Score updated in real time.
Real-time scoringVersion-controlled policy library with digital staff acknowledgement tracking. Know instantly who has read and signed each policy — critical evidence for FCA supervisory visits.
Audit trailOne-click monthly compliance summaries, complaint root cause analysis by category, Consumer Duty outcome trends, and FCA-ready evidence packs — timestamped and tamper-evident.
Section 165 readyUpload policies, call recordings, emails, and evidence files. Attach documents directly to complaints or tasks. Full access audit log. UK-hosted, encrypted at rest and in transit.
UK-hostedRole-based access control for Admin, Compliance Officer, and Staff. Invite team members instantly. Assign complaints and tasks to specific individuals. Full activity audit trail per user.
RBACA real-time 0–100 score calculated from open complaints, overdue tasks, Consumer Duty outcomes, and vulnerable customer support activity. Colour-coded risk signal — red, amber, green.
Live scoring engineOur proprietary scoring engine calculates your firm's real-time compliance risk from open complaints, overdue tasks, Consumer Duty outcomes, and vulnerable customer support records.
No implementation consultant. No 6-month setup. Just register, invite your team, and start logging.
Enter your FCA registration number and company details. Your account is live in under 3 minutes.
Add compliance officers and staff with role-based access. They receive an instant email invitation.
Record complaints, tasks, Consumer Duty outcomes, and vulnerable customer flags — all with automatic references and audit trails.
When the FCA comes calling, generate a Section 165 evidence pack in seconds — timestamped, complete, and defensible.
| Feature | CompliTraceAI | Enterprise Tools | Spreadsheets | Consultants |
|---|---|---|---|---|
| Consumer Duty specific | Purpose-built | Partial | Manual only | |
| Vulnerable customer detection | Automated | Add-on £ | Ad hoc | |
| FCA evidence packs | 1-click | Complex | Manual (£££) | |
| Compliance health score | Real-time | |||
| UK audit trail | Automatic | Partial | ||
| Monthly cost (small firm) | From £199/mo | £1,667–8,333/mo | £0 (high risk) | £600–3,200/mo |
| Setup time | 3 minutes | 3–6 months | Days | Weeks |
All plans include a 14-day free trial. Cancel any time. All data stays UK-hosted.
We were spending 3 days a month just preparing for possible FCA requests. CompliTraceAI cut that to under an hour. The evidence pack feature alone is worth the subscription.
The vulnerable customer register is exactly what the FCA has been asking us to implement. We went from nothing to a fully documented system in one afternoon. Genuinely impressive.
As an IFA with a small practice, I couldn't afford a compliance officer. CompliTraceAI gives me enterprise-grade compliance tooling at a price that actually makes sense for my firm size.
Join UK financial firms using CompliTraceAI to automate Consumer Duty compliance without the enterprise price tag. 14-day free trial. No credit card required.