FCA Compliance Policy template
Compliance framework for FCA-regulated firms (banks, insurers, payment firms, investment advisers). Covers FCA Principles for Businesses, Consumer Duty (2023), SM&CR prescribed responsibilities, financial promotions, complaints handling, and annual compliance programme.
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An FCA compliance policy sets out how a regulated firm meets its obligations to the Financial Conduct Authority. It defines the governance, controls, and responsibilities that support good conduct. A clear policy helps the firm operate within the rules and treat customers fairly.
Who needs one: Firms authorised and regulated by the Financial Conduct Authority.
What a strong fca compliance policy covers
- Governance and compliance roles and responsibilities
- Approach to the FCA Principles for Businesses
- Treating customers fairly and good customer outcomes
- Financial promotions and clear communications
- Complaints handling and conduct monitoring
- Regulatory reporting and breach escalation
Regulations and frameworks this aligns to
PolicyKit references the standards relevant to your jurisdiction when it generates your fca compliance policy.
- FCA Principles for Businesses
- The FCA’s high-level principles setting out the fundamental obligations of regulated firms, such as integrity, skill, care, and treating customers fairly.
- Consumer Duty
- An FCA standard requiring regulated firms to act to deliver good outcomes for retail customers across products, pricing, support, and communications.
- SM&CR
- The UK Senior Managers and Certification Regime, which holds individuals in financial-services firms accountable for their conduct and responsibilities.
Frequently asked questions
What should a fca compliance policy include?
A robust fca compliance policy sets out scope, roles and responsibilities, the specific controls or procedures involved, and how compliance is monitored and reviewed, mapped to frameworks like fca-principles, consumer-duty, smcr. PolicyKit structures all of this automatically based on your business.
Is this legal advice?
No. PolicyKit generates AI-assisted professional templates and starting points, not legal advice. Every document should be reviewed with qualified legal and compliance counsel before use.
Can I tailor it to my country?
Yes — PolicyKit tailors each document to your jurisdiction, including UK, EU, United States, Australia, Singapore, Hong Kong and more.
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