FiduciaryAI
2026 FCA COMPLIANCE READY

Fiduciary Excellence in theAge of Agentic AI

Bridging the gap between UK regulatory standards and advanced AI governance. Secure your 2026 FCA compliance with data-driven outcome monitoring.

FCA
ICO
ISO 27001

Core Capabilities

Four Pillars of AI Governance

CONSUMER DUTY

FCA Consumer Duty Monitoring

Navigate the 2026 shift from implementation to continuous evidence of 'good customer outcomes'. Real-time monitoring and automated reporting.

  • Real-time outcome monitoring across all customer touchpoints
  • Automated foreseeable harm detection and alerting
  • Evidence generation for FCA supervisory inquiries
  • Vulnerable customer identification and protection protocols
ACCOUNTABILITY

SM&CR Accountability Tools

Managing the personal liability of senior managers for AI-driven harms. Clear audit trails and decision documentation.

  • Automated 'Reasonable Steps' documentation
  • AI decision audit trails for regulatory disclosure
  • Personal liability risk assessments for Senior Managers
  • Board-level AI governance reporting dashboards
TRANSPARENCY

Explainable AI (XAI) for UK Finance

Delivering 'whitebox' transparency for automated decision-making and profiling. Meet ICO requirements with confidence.

  • Model interpretability reports for ICO compliance
  • Customer-facing explanation generators
  • Bias detection and fairness auditing
  • ADM (Automated Decision-Making) impact assessments
RESILIENCE

Operational Resilience (PS24/16)

Managing critical third-party AI risks as mandated by HM Treasury for 2026. End-to-end supply chain visibility.

  • Critical third-party AI vendor risk mapping
  • Business continuity planning for AI dependencies
  • Incident response playbooks for AI failures
  • Regulatory reporting for material AI disruptions

UK Regulatory Framework

Principles Over Prescriptions

The UK takes a principles-based approach to AI regulation, focusing on outcomes rather than rigid rules. Understanding these five core principles is essential for 2026 compliance.

1

Safety

AI systems must be safe and secure by design

2

Transparency

Clear communication about AI use and capabilities

3

Fairness

AI must not create unfair outcomes or discrimination

4

Accountability

Clear responsibility chains for AI decisions

5

Contestability

Ability to challenge AI-driven decisions

UK Framework vs EU AI Act

Feature
UK Approach
EU AI Act
Regulatory Approach
Principles-based
Prescriptive rules
Risk Classification
Context-specific
Fixed categories
Enforcement
Existing regulators
New AI Office
Compliance Timeline
Gradual adoption
Hard deadlines
Cross-border Flexibility
High
Limited

For firms operating across both UK and EU jurisdictions, FiduciaryAI provides unified compliance monitoring.

Regulatory Timeline

2026 Milestones

Key regulatory deadlines and compliance milestones for UK financial institutions.

Q1
2026

AI Stress Testing

AI-specific stress testing requirements by FCA and Bank of England come into effect. Firms must demonstrate model resilience under adverse scenarios.

Status: upcoming

Proof Points

Empowering UK Financial Leaders

Consumer Duty Risk Reduction
40%Risk Reduction

London Wealth Manager

Implemented real-time AI monitoring to demonstrate continuous 'good customer outcomes' for FCA Consumer Duty compliance.

SM&CR Documentation
85%Time Saved

Regional Bank

Automated senior manager accountability documentation, reducing manual compliance effort while improving audit trails.

XAI Implementation
100%ICO Compliant

Insurance Provider

Deployed explainable AI framework for automated underwriting decisions, meeting ICO transparency requirements.