# TCC Group
> TCC Group is the collective strength of TCC, Recordsure and Momenta:
> intelligent compliance consultancy, regulator-trusted AI technology and
> strategic resourcing for FCA-regulated financial services firms in the UK.
> Legal entity: The Consulting Consortium Ltd (Companies House 04144405).

## Pages

- [About TCC Group](https://tcc.group/about-tcc-group/): TCC Group is a specialist compliance partner for FCA-regulated firms. We bring together regulatory advice, managed services, specialist resourcing and compliance technology so organisations can understand regulatory expectations, deliver change…
- [Accessibility](https://tcc.group/accessibility/): TCC Group aims to make this website usable by as many people as possible, including people who use keyboards, screen readers, magnification, voice input or reduced-motion settings. Our target is…
- [Advisory](https://tcc.group/advisory/): Regulatory advisory, outsourced compliance, and managed programmes across every FCA-regulated sector. Delivering outcomes that matter.
- [Awards & Recognition](https://tcc.group/awards-recognition/): TCC Group values recognition that reflects measurable client outcomes, responsible innovation and sustained contribution to better standards in regulated financial services. Recognition grounded in evidence Awards can be useful signals,…
- [Banking](https://tcc.group/sectors/banking/): We work with banks on conduct, financial crime, Consumer Duty, regulatory intervention and transformation programmes that require independent expertise and dependable delivery. Our teams connect governance and control design to…
- [Careers](https://tcc.group/careers/): A career with TCC Group is an opportunity to solve meaningful regulatory problems alongside people who understand financial services, operational delivery and the importance of better customer outcomes. Work that…
- [Complaints & Claims Handling](https://tcc.group/complaints-claims-handling/): TCC Group supports regulated firms with complaint and claims handling, from diagnostic review and temporary case capacity to end-to-end managed operations. We combine clear decision standards, calibrated quality assurance and…
- [Compliance AI, Governace & RegTech](https://tcc.group/compliance-ai-regtech/): TCC Group helps firms design and operate technology-enabled compliance assurance, including AI-assisted monitoring of customer conversations and advice quality. We connect tools to a defined control purpose, validated data, human…
- [Consolidation, Acquisition & Regulatory Due Diligence](https://tcc.group/consolidation-acquisition-regulatory-due-diligence/): TCC Group provides regulatory due diligence and post-transaction compliance integration for financial services organisations. We assess permissions, governance, conduct, financial crime, customer liabilities, regulatory history and control maturity, translating findings…
- [Consumer Duty](https://tcc.group/consumer-duty/): TCC Group helps firms turn Consumer Duty requirements into practical outcome monitoring, product and journey testing, governance and remediation. We connect management information to customer evidence, defined tolerances, challenge and…
- [Contact](https://tcc.group/contact/): Talk to TCC Group about regulatory advice, managed compliance delivery, specialist resourcing and compliance technology.
- [Cookie Settings](https://tcc.group/cookie-settings/): TCC Group uses necessary cookies to operate and protect this WordPress website. Optional analytics, advertising and functional storage remain denied unless you choose the relevant category through the CookieYes consent…
- [Cookies](https://tcc.group/cookies/): Cookies
- [Financial Crime Compliance](https://tcc.group/financial-crime-compliance/): TCC Group helps regulated firms assess and improve anti-money laundering, sanctions, fraud and transaction-monitoring controls. Support ranges from independent diagnostics and remediation design to alert investigation, quality assurance and managed…
- [General Insurance & Protection](https://tcc.group/sectors/general-insurance-protection/): We help insurers, intermediaries and protection providers assess value, distribution, communications, claims, complaints and customer support across complex product chains. Our specialists combine regulatory interpretation with hands-on assurance and remediation,…
- [Home](https://tcc.group/): TCC provides regulatory advisory, managed compliance services, specialist resourcing and compliance technology for FCA-regulated firms. We support banks, insurers, wealth managers, lenders and fintechs across Consumer Duty, financial crime, remediation,…
- [Lending & Consumer Credit](https://tcc.group/sectors/lending-consumer-credit/): We support lenders and consumer-credit firms with affordability, forbearance, complaints, vulnerable customer treatment, quality assurance and remediation. Our work tests how policies operate across real customer journeys, then turns evidence…
- [Managed Services](https://tcc.group/managed-services/): Outsourced compliance functions and managed review programmes — we take ownership of delivery so your team can focus on the business.
- [Meet the Team](https://tcc.group/meet-the-team/): TCC Group brings together regulatory specialists, programme leaders, operational experts, technologists and experienced associates. Clients get a team shaped around the challenge rather than a fixed consulting model. A multidisciplinary…
- [Modern Slavery Statement](https://tcc.group/modern-slavery/): Modern Slavery Statement
- [Momenta](https://tcc.group/momenta/): Contingent compliance professionals and contract teams deployed at pace — from single specialists to 300-person review squads.
- [Motor Finance](https://tcc.group/sectors/motor-finance/): We support motor-finance providers and intermediaries with independent review, complaints, sales and commission assurance, customer communications and large-scale remediation. Governed review teams apply consistent evidence and quality standards while risk-based…
- [Payments & FinTech](https://tcc.group/sectors/payments-fintech/): We help payments and FinTech firms scale with proportionate governance, financial crime controls, customer-outcome evidence and operational assurance. Support connects fast-changing products, partners, channels and transaction volumes to current risk…
- [Pensions & Retirement Income](https://tcc.group/sectors/pensions-retirement-income/): We help pension and retirement-income firms evidence suitable advice, fair value, understandable communications and effective support across long customer journeys. Our teams provide independent assurance, remediation expertise and scalable review…
- [Privacy and Policies](https://tcc.group/privacy-statement/): The Consulting Consortium Ltd is responsible for the personal information processed through this TCC Group website. This statement explains what information may be collected, why it is used and the…
- [Privacy Statement: 3rd Party List](https://tcc.group/privacy-third-party-list/): Privacy Statement: 3rd Party List
- [Privacy Statement: Legal basis](https://tcc.group/privacy-statement-legal-basis/): Privacy Statement: Legal basis
- [Privacy Statement: TCC Associates](https://tcc.group/privacy-statement-tcc-associates/): Privacy Statement: TCC Associates
- [Privacy Statement: TCC Employees](https://tcc.group/privacy-statement-tcc-employees/): Privacy Statement: TCC Employees
- [Privacy Statement: Visitors and Clients](https://tcc.group/privacy-statement-visitors-and-clients/): Privacy Statement: Visitors and Clients
- [Recordsure](https://tcc.group/recordsure/): Industry-proven, regulator-trusted AI-powered technology — turning regulatory compliance into a measurable, auditable process.
- [Redress and Remediation](https://tcc.group/redress-and-remediation/): TCC Group runs redress and remediation programmes for UK financial services firms — end to end, from population scoping and FCA-agreed calculation methodology to file review, redress calculation, and customer…
- [Regulatory Change & Transformation](https://tcc.group/regulatory-change-transformation/): TCC Group helps regulated firms translate new requirements and identified control gaps into governed, workable change. We combine regulatory interpretation, impact assessment, operating-model design, delivery support and assurance so policy,…
- [Section 166, Skilled Person Reviews & FCA Intervention](https://tcc.group/section-166-skilled-person-reviews-fca-intervention/): TCC Group supports firms before and during Section 166 Skilled Person reviews and other FCA interventions. We organise evidence, test control narratives, coordinate remediation and provide independent challenge so leaders…
- [Sectors](https://tcc.group/sectors/): Explore TCC Group’s regulatory compliance expertise across the sectors we support.
- [Specialist Resourcing](https://tcc.group/specialist-resourcing/): Experienced compliance, risk, regulatory and transformation professionals to strengthen your team, lead critical initiatives or provide additional delivery capability at pace.
- [Suitability Advice, Quality & File reviews](https://tcc.group/suitability-advice-quality-file-reviews/): TCC Group runs outsourced suitability reviews for UK advice firms — end to end, from file sampling and methodology design to redress calculation and regulator-ready reporting. Our teams have delivered…
- [Talk to Us](https://tcc.group/talk-to-us/): Talk to Us
- [TCC](https://tcc.group/tcc/): Regulatory advisory, outsourced compliance, and managed programmes across every FCA-regulated sector. Delivering outcomes that matter.
- [TCC Group](https://tcc.group/tcc-group/): TCC Group
- [Tech-enabled Compliance](https://tcc.group/tech-enabled-compliance/): Industry-proven, regulator-trusted AI-powered technology — turning regulatory compliance into a measurable, auditable process.
- [Terms](https://tcc.group/terms/): These terms explain how visitors may use the TCC Group website. By using the site, you agree to use it lawfully and to respect the rights, content and systems of…
- [Utilities](https://tcc.group/sectors/utilities/): We help utilities providers improve complaints handling, vulnerable customer support, operational quality and remediation across high-volume customer services. Our teams bring regulated-sector review and delivery discipline, combining data-led targeting with…
- [Vulnerable Customers](https://tcc.group/vulnerable-customers/): TCC Group helps firms assess and improve vulnerable customer frameworks, journeys, frontline decisions, quality assurance and outcome monitoring. We combine data-led targeting with informed case review so governance can see…
- [Wealth Management & Financial Advice](https://tcc.group/sectors/wealth-management-financial-advice/): We support wealth managers and financial advisers with advice-quality assurance, Consumer Duty evidence, governance, remediation and regulatory change. Our specialists help firms test suitability and customer journeys, strengthen controls and…
- [Why TCC](https://tcc.group/why-tcc/): Why TCC

## Posts

- [Hello world!](https://tcc.group/blog/2026/07/17/hello-world/): Welcome to WordPress. This is your first post. Edit or delete it, then start writing!

## Case Studies

- [Acquisition due diligence](https://tcc.group/case-studies/acquisition-due-diligence/): Using a risk-based sampling methodology and deep sector expertise, TCC Group evaluated a representative portfolio of cases to quantify potential liabilities, identify data gaps and support transaction due diligence.
- [AML Customer Due Diligence Review](https://tcc.group/case-studies/aml-customer-due-diligence-review/): Using a phased review of customer due diligence controls, policies and ongoing monitoring processes, TCC Group provided independent assurance, identified process weaknesses and helped reduce AML and regulatory risk.
- [AML Review & Remediation](https://tcc.group/case-studies/aml-review-and-remediation/): Using a phased review of customer due diligence controls, ongoing monitoring practices and enhanced due diligence processes, TCC Group provided independent assurance and delivered practical recommendations to strengthen AML compliance.
- [Calculator build and assurance](https://tcc.group/case-studies/calculator-build-and-assurance/): Discover how bespoke, rigorously tested post-Plevin single-premium loan, credit card, and mortgage calculators helped a leading retail bank streamline its complex PPI redress programme with absolute accuracy and enhanced operational…
- [Challenging an FOS judgment](https://tcc.group/case-studies/challenging-an-fos-judgement/): Using detailed analysis and regulatory expertise, TCC Group identified weaknesses in an existing redress calculation and proposed a revised methodology that reduced liability while remaining robust under scrutiny.
- [Compliance review and remediation](https://tcc.group/case-studies/compliance-review-remediation/): Following a detailed review of controls, systems and processes, TCC Group developed and implemented a targeted remediation plan, helping the client modernise its compliance function and strengthen regulatory oversight.
- [Comprehensive UCIS review without the cost burden](https://tcc.group/case-studies/ucis-past-business-review/): By combining UCIS expertise, remediation support and adviser upskilling, TCC Group enabled the client to address historic issues, strengthen its sales processes and establish an ongoing suitability review capability.
- [Culture & conduct risk assessment](https://tcc.group/case-studies/culture-conduct-risk-assessment/): Discover how TCC Group's culture and conduct risk assessment helped a fast-growing financial firm align cultures across acquired businesses, improving customer service levels and regulatory compliance.
- [Customer remediation: Defined benefit pensions](https://tcc.group/case-studies/customer-remediation-defined-benefit/): Drawing on a pool of more than 30,000 pre-vetted contractors, TCC Group mobilised a team of 78 pension specialists and provided secure remediation facilities to support the successful delivery of…
- [Defined benefit transfers](https://tcc.group/case-studies/defined-benefit-transfers/): Discover how TCC Group's actuarial experts delivered rapid, defensible defined benefit transfer loss assessments within a tight two-week timeframe, satisfying both the client's network and regulatory scrutiny.
- [Designing a more effective and efficient compliance function](https://tcc.group/case-studies/compliance-effectiveness-review/): Discover how TCC Group redesigned a compliance function for a leading consumer credit firm, establishing clear governance and strengthening regulatory oversight to meet strict FCA deadlines and ensure long-term operational…
- [Equity release redress](https://tcc.group/case-studies/equity-release-redress/): Using advanced cash-flow modelling and rigorous validation, TCC Group created a bespoke redress calculator that enabled precise calculations across several thousand customer cases and supported confident strategic decision-making.
- [Flexible overflow business assurance relieves internal pressure](https://tcc.group/case-studies/business-assurance-overflow/): Working as a seamless extension of the client's internal assurance team, TCC Group provided flexible file-checking capacity, identified emerging risks and supported improvements to adviser training and business standards.
- [Getting GDPR ready](https://tcc.group/case-studies/getting-gdpr-ready/): Learn how TCC Group's comprehensive data review and implementation plan enabled a leading mortgage provider to achieve full GDPR compliance and better protect customer data before the regulatory deadline.
- [Global compliance operating model](https://tcc.group/case-studies/global-compliance-operating-model/): Discover how TCC Group designed and implemented a single global compliance operating model for a top-five asset manager across the US, Europe, and Asia within an eighteen-month deadline.
- [Improving compliance monitoring with conduct risk reviews](https://tcc.group/case-studies/compliance-monitoring-support/): Learn how TCC Group's conduct risk reviews and compliance monitoring support helped a leading insurer satisfy the FCA, upskill its in-house team, and significantly boost customer satisfaction.
- [Meeting MiFID II rules with help from expert team](https://tcc.group/case-studies/achieving-mifid-ii-compliance/): Discover how a flexible, expert-led approach to MiFID II implementation enabled a large advisory network to achieve full compliance ahead of the deadline, utilising existing internal resource to keep costs…
- [Outsourced business assurance accelerated by RegTech](https://tcc.group/case-studies/outsourced-business-assurance-accelerated-by-regtech/): By combining specialist file checking expertise with RegTech automation, TCC Group cleared a significant assurance backlog, increased review capacity and improved the quality of advice oversight across the business.
- [Past business review](https://tcc.group/case-studies/past-bus-review/): See how TCC Group rescued a large-scale past business review for a leading adviser network, reviewing twenty-two thousand cases and calculating thirteen million pounds in redress within tight timescales.
- [Programme management of regulatory risk and remediation](https://tcc.group/case-studies/programme-management-regulatory-risk-remediation/): By deploying an experienced Programme Director, TCC Group established robust governance, reporting and risk management frameworks to support the successful delivery of complex regulatory remediation workstreams.
- [Project rescued by RegTech](https://tcc.group/case-studies/project-regtech-review/): Using a combination of regulatory insight, automation and intelligent case management, TCC Group transformed a complex review involving more than one million customers, reducing remediation volumes and improving review efficiency.
- [Rapidly scaling an expert team for ongoing advice reviews](https://tcc.group/case-studies/ongoing-advice-reviews/): Starting with 50 suitability reviewers and scaling to around 200 roles, TCC Group delivered the specialist resource, training and quality assurance needed to support a complex ongoing advice review programme.
- [Redress calculations](https://tcc.group/case-studies/redress-calculations/): Discover how TCC Group's alternative data calculation methodology helped a large IFA slash review costs by twenty percent and complete redress calculations four months ahead of schedule.
- [RegTech enabled Past Business Review](https://tcc.group/case-studies/regtech-enabled-past-business-review/): Using a bespoke combination of AI, robotics and case management technology, TCC Group reduced manual review times from six hours to one hour, saving more than 25,000 project hours and…
- [RegTech remediation project](https://tcc.group/case-studies/regtech-remediation/): Using a bespoke RegTech solution and a risk-based review methodology, TCC Group completed 5,000 case reviews in four days, reducing project costs while maintaining a 97% accuracy rate.
- [Regulatory due diligence](https://tcc.group/case-studies/regulatory-due-diligence/): Discover how TCC Group's deep regulatory due diligence and cultural assessment helped a large financial planner identify material risks and integrate a target acquisition smoothly.
- [Remediation of ongoing services under section 166](https://tcc.group/case-studies/wealth-manager-remediation-of-ongoing-services-under-section166/): From investigatory review through to remediation readiness, TCC Group delivered 4,000 complete case files, prepared a further 2,000 cases for remediation and provided end-to-end programme management support.
- [Resourcing partnership: Large-scale remediation project](https://tcc.group/case-studies/resourcing-partnership-large-scale-remediation/): Drawing on a 30,000+ resource pool and specialist pensions expertise, TCC Group rapidly deployed the skilled resource, technical oversight and quality assurance needed to support a complex remediation programme, achieving…
- [Responsive resourcing](https://tcc.group/case-studies/responsive-resourcing-keeps-compliance-audit-on-track/): By sourcing and deploying experienced regulatory consultants within one week, TCC Group enabled the client to complete its annual monitoring audit on time while improving consistency, efficiency and risk management…
- [SMCR assurance](https://tcc.group/case-studies/smcr-assurance/): Learn how TCC Group's Senior Managers and Certification Regime (SMCR) assurance review helped a leading broker identify critical gaps in responsibilities and submit evidence with absolute confidence.
- [SMCR post-implementation review](https://tcc.group/case-studies/smcr-post-implementation-review/): Discover how TCC Group designed a collaborative, remote SMCR post-implementation review for a leading general insurer, ensuring ongoing regulatory compliance and cultural improvement during a chaotic period.
- [Specialist resourcing](https://tcc.group/case-studies/specialist-resourcing/): See how TCC Group rapidly deployed a seventy-strong team and a secure Leeds remediation centre to help an investment firm manage unsuitable pension advice under intense regulatory pressure.
- [Specialist resourcing](https://tcc.group/case-studies/specialist-resourcing-large-projects/): Drawing on a pool of more than 5,000 pre-vetted contractors, TCC Group rapidly deployed specialist compliance resource, onboarding, training and secure remediation facilities to support a complex pension transfer remediation…
- [Specialist resourcing: Strategic partnership](https://tcc.group/case-studies/specialist-resourcing-strategic-partnership/): Discover how TCC Group's 20+ year strategic alliance has delivered specialist resourcing at scale, supporting 300+ projects, 50+ clients across the UK, EMEA and APAC, 8,000+ resource deployments and 500+…
- [Strategic resourcing: Complex claims handling](https://tcc.group/case-studies/strategic-resourcing-complex-claims/): From suitability reviewers to technical SMEs and claims handlers, TCC rapidly deployed skilled resource across multiple workstreams to help meet fluctuating claims volumes and programme demands.
- [Top-end consultancy deployment: Strategic compliance leadership](https://tcc.group/case-studies/top-end-consultancy-deployment/): Through the deployment of an interim Head of Compliance, TCC Group implemented governance improvements, embedded new ways of working and delivered a risk-based assurance programme to support strategic business objectives.

## Insights

- [“Show me, don’t tell me”: How AI is transforming compliance](https://tcc.group/insights/analysis-perspectives/show-me-dont-tell-me-how-ai-is-transforming-compliance/): TCC and Recordsure explain why regulators now expect firms to prove compliance with data, not simply assert it, and how predictive AI can deliver continuous, evidenced assurance.
- [14m unfair motor loans due compensation under proposed scheme](https://tcc.group/insights/analysis-perspectives/fca-motor-finance-redress-scheme/): The FCA's proposed motor finance redress scheme could impact 14.2 million agreements, with estimated liabilities reaching £8.2 billion. Learn about the key dates, rules, and implications for lenders.
- [20 years and counting: TCC’s innovation journey](https://tcc.group/insights/press-releases/20-years-and-counting-tccs-innovation-journey/): A look back at TCC's founding in 2001 and its evolution into a UK and Australian compliance and RegTech provider, showing how the firm's culture-first approach has shaped two decades…
- [2026 Predictions: Evidencing Compliance in a Data-Led Regulatory World](https://tcc.group/insights/analysis-perspectives/fraud-prevention-summit-2026-predictions-evidencing-compliance-in-a-data-led-regulatory-world/): In Forum Events & Media, TCC Group CEO Joe Norburn shares essential predictions for 2026 compliance. Discover why firms must transition from intent-led compliance to data-driven evidence readiness.
- [A Consumer Duty recap: frequent obstacles to achieving good customer outcomes](https://tcc.group/insights/regulatory-horizon/consumer-duty-recap/): A recap of the frequent obstacles firms face across the Consumer Duty's four outcomes, with the key questions boards should be asking to close gaps before the regulator asks them…
- [A Growth Agenda is Good for the Consolidation Market](https://tcc.group/insights/analysis-perspectives/growth-good-consolidation-market/): In Money Marketing, TCC's Technical Director David Boyhan examines the wealth management consolidation market, analyzing how enhanced data quality supports firms in meeting rising FCA expectations.
- [A-Team insight: AI in financial services](https://tcc.group/insights/analysis-perspectives/a-team-insight-ai-in-financial-services-where-the-real-challenges-are-starting-to-emerge/): TCC Group CEO Joe Norburn features in an A-Team Insight article explaining why AI governance, not adoption, is now the central challenge for financial services firms embedding AI at scale.
- [AB Accounting: AML heat to rise](https://tcc.group/insights/analysis-perspectives/ab-accounting-aml-heat-to-rise/): TCC Group CEO Joe Norburn warns accountancy firms of tougher, data-led FCA anti-money laundering supervision, with broad compliance statements no longer sufficient and clear evidence and audit trails now expected.
- [Advice firms need to adapt compliance requirements in 2026- TCC](https://tcc.group/insights/analysis-perspectives/ifa-will-advice-firms-need-to-adapt-compliance-requirements-in-2026-practical-insights-from-tcc-group/): Understand why financial advice firms must adapt their compliance strategies in 2026 to prepare for targeted FCA evidence requests and stricter standards of outcome proof.
- [AI in financial services: a turning point for regulators and firms](https://tcc.group/insights/press-releases/ai-in-financial-services-a-turning-point-for-regulators-and-firms/): TCC Group's CEO responds to a Treasury Committee report exposing gaps in AI oversight across financial services, explaining what firms need to do now to strengthen governance, accountability and consumer…
- [AI in financial services: control, evidence and regulation](https://tcc.group/insights/regulatory-horizon/ai-financial-services-control-governance-evidence/): Explains why AI governance, not capability, is now the constraint for financial services firms, and sets out what boards need to prove to regulators about control, evidencing and accountability.
- [Always Finance News: 2026 the year the FCA demands proof, not promises](https://tcc.group/insights/analysis-perspectives/always-finance-news-2026-the-year-the-fca-demands-proof-not-promises/): TCC Group explains why 2026 will see the FCA move from principles to evidence, rewarding firms that can prove strong governance and fair outcomes while sharpening scrutiny of Consumer Duty…
- [Always Finance News: AI in financial services](https://tcc.group/insights/analysis-perspectives/always-finance-news-ai-in-financial-services-where-the-real-challenges-are-starting-to-emerge/): Joe Norburn explains why the real challenge in financial services AI is no longer adoption but ensuring data is reliable, explainable and auditable enough to satisfy regulators.
- [Always Finance News: Consolidation isn’t the risk. Getting it wrong is](https://tcc.group/insights/analysis-perspectives/always-finance-news-consolidation-isnt-the-risk-getting-it-wrong-is/): TCC Group's Joe Norburn explains why FCA scrutiny of wealth management consolidation centres on governance, financial resilience and due diligence, not on consolidation itself, and what that means for growing…
- [Always Finance News: Leveraging predictive AI to drive value from financial compliance](https://tcc.group/insights/analysis-perspectives/always-finance-news-leveraging-predictive-ai-to-drive-value-from-financial-compliance/): TCC Group's CEO explains how combining predictive AI with generative AI can help firms close Consumer Duty compliance gaps and evidence fair customer outcomes without working against compliance teams.
- [Always Finance News: Why reviewing the past must be a strategic focus for financial advice firms](https://tcc.group/insights/analysis-perspectives/always-finance-news-why-reviewing-the-past-must-be-a-strategic-focus-for-financial-advice-firms/): TCC Group's Jason Wintie explains why the FCA's softer tone on ongoing advice reviews doesn't lessen firms' obligations to identify and remedy historic harm, even for advice given as far…
- [AM–Online offers industry experts’ reaction to the FCA motor finance redress scheme](https://tcc.group/insights/analysis-perspectives/am-online-industry-reacts-to-fca-motor-finance-redress-scheme/): TCC Group's Joe Norburn explains why the FCA's motor finance redress scheme is a major delivery challenge, covering around 12 million agreements, and what lenders and dealers need to do…
- [Anti-money laundering (AML) under FCA: are accountancy firms ready for the new compliance era?](https://tcc.group/insights/regulatory-horizon/anti-money-laundering-aml-under-fca-are-accountancy-firms-ready-for-the-new-compliance-era/): Understand how the FCA's takeover of AML supervision from professional body supervisors will change compliance expectations for accountancy firms, and what governance, evidence and reporting changes to put in place…
- [Assessing vulnerability: How can firms help mitigate risks of DIY SIPPs?](https://tcc.group/insights/analysis-perspectives/assessing-vulnerability-how-can-firms-help-mitigate-risks-of-diy-sipps/): Learn what a Financial Ombudsman Service ruling on DIY SIPPs means for firms' safeguarding duties towards vulnerable customers, and how to evidence good outcomes under Consumer Duty.
- [Attivo deploys Recordsure AI technology to evidence compliance](https://tcc.group/insights/press-releases/attivo-deploys-recordsures-ai-technology-to-evidence-its-ongoing-advice-compliance-and-cut-file-review-costs/): See how one advice firm cut ongoing-advice file review costs by 40% and lifted quality using Recordsure's AI, paired with TCC's compliance expertise, within six months.
- [Attivo enhances advice compliance with TCC’s AI solution](https://tcc.group/insights/analysis-perspectives/attivo-enhances-advice-compliance-with-tcc-ai-solution/): Discover how Attivo scaled AI-led advice compliance across its planner base, cutting file-checking costs by 40% while building the governance and trust to review every meeting.
- [Benefit your business by enhancing customer data](https://tcc.group/insights/regulatory-horizon/customer-data-benefits/): Practical steps for enhancing client data to meet FCA reporting requirements on ongoing advice reviews and retirement income, while identifying protection and inheritance tax opportunities within your existing client bank.
- [Bereavement support under scrutiny for investment firms](https://tcc.group/insights/regulatory-horizon/bereavement-support-under-scrutiny-for-investment-firms/): Understand why the FCA is reviewing bereavement support at investment firms, what boards need to evidence, and how to test vulnerable-customer journeys against real outcomes, not just policy.
- [Beyond Day Rates: How specialist interim resourcing gives financial](https://tcc.group/insights/white-papers-guides/beyond-day-rates-specialist-interim-resourcing-financial-services-competitive-edge/): Learn why choosing interim compliance specialists on day rate alone is a false economy, and how firms can measure real value through attrition, KPIs and long-term outcomes.
- [BNPL regulation has arrived: the compliance challenge now is proving good customer outcomes](https://tcc.group/insights/regulatory-horizon/bnpl-regulation-has-arrived-the-compliance-challenge-now-is-proving-good-customer-outcomes/): BNPL is now fully regulated, but authorisation is only the start: firms must evidence affordability, vulnerability support and customer understanding to show the Consumer Duty is delivering good outcomes in…
- [Breaking down the ruling: what the Johnson case means for redress](https://tcc.group/insights/analysis-perspectives/breaking-down-the-ruling-what-the-johnson-case-means-for-redress/): The Supreme Court's Johnson ruling narrows liability for discretionary commission arrangements in motor finance, but firms still face a pending FCA compensation scheme and the operational challenge of triaging a…
- [Business Systems, TCC and Recordsure collaborate on](https://tcc.group/insights/press-releases/business-systems-tcc-and-recordsure-join-forces-to-provide-comprehensive-expertise-and-guidance-on-new-consumer-duty-regulations/): Business Systems, TCC and Recordsure have joined forces to help regulated firms close Consumer Duty gaps, build compliant policies and evidence good customer outcomes through advisory support and ongoing monitoring.
- [Collaborating to implement best Consumer Duty practice](https://tcc.group/insights/press-releases/consumer-duty-alliance/): TCC has joined the Consumer Duty Alliance as an affiliate member, bringing practitioner and ex-regulator expertise to help firms validate their approach and share good practice across the sector.
- [Compliance Week: U.K. ‘buy now pay later’ regulation signals end of ‘Wild West’ fintech loans system](https://tcc.group/insights/analysis-perspectives/compliance-week-u-k-buy-now-pay-later-regulation-signals-end-of-wild-west-fintech-loans-system/): TCC Group's CEO tells Compliance Week why full UK regulation of buy now, pay later lending was inevitable, and why stronger oversight should better protect customers with lower financial resilience.
- [Consolidation: Balancing ambition with regulatory discipline](https://tcc.group/insights/analysis-perspectives/consolidation-balancing-commercial-ambition-with-regulatory-discipline/): The FCA's review found no new rules for consolidators, but firms must now evidence stronger governance, group-wide risk oversight and due diligence as acquisitions continue across wealth management and financial…
- [Consumer Duty and the next phase of advice regulation](https://tcc.group/insights/analysis-perspectives/money-marketing-joe-norburn-consumer-duty-and-the-next-phase-of-advice-regulation/)
- [Consumer Duty compliance: how should firms approach the Four Outcomes?](https://tcc.group/insights/analysis-perspectives/consumer-duty-compliance-how-should-firms-approach-the-four-outcomes/): A concise steer on what each of the Consumer Duty's Four Outcomes is meant to achieve for customers, with practical pointers for building a compliance strategy the regulator will accept.
- [Consumer Duty myth-busting: what do firms need to know?](https://tcc.group/insights/analysis-perspectives/consumer-duty-myth-busting/): Four common misconceptions about the Consumer Duty are challenged, helping firms check they are genuinely prepared for implementation rather than relying on assumptions about what the new rules actually require.
- [Consumer Duty one year on: what the FCA’s findings mean for your firm](https://tcc.group/insights/analysis-perspectives/consumer-duty-one-year-on-what-the-fcas-findings-mean-for-your-firm/): A practical review of the FCA’s Consumer Duty findings and the evidence firms should strengthen across governance, products, communications and customer support.
- [Consumer Duty Outcomes: From Frameworks to Judgement](https://tcc.group/insights/analysis-perspectives/ifa-the-fcas-consumer-duty-challenge-is-changing-shape/): Learn how the FCA's Consumer Duty is entering a mature phase where firms must shift focus from process frameworks to evidencing genuine client outcomes with robust rationale.
- [Consumer Duty: Four key lessons from the FCA’s Fair Value](https://tcc.group/insights/regulatory-horizon/consumer-duty-four-key-lessons-from-the-fcas-fair-value-frameworks-review/): Four takeaways from the FCA's thematic review of Fair Value assessments, covering evidencing standards, whole-package value, differential outcomes and the data firms need to support their charging decisions.
- [Consumer Duty: outcomes, oversight and governance](https://tcc.group/insights/regulatory-horizon/consumer-duty-best-practice-strengthening-outcomes-oversight-governance/): Why FCA scrutiny is shifting from Consumer Duty structures to evidence of outcomes, and what boards need to show about monitoring, challenge and action to withstand supervisory review.
- [Consumer Duty: What does the FCA expect from ongoing advice services?](https://tcc.group/insights/analysis-perspectives/consumer-duty-what-does-the-fca-expect-from-ongoing-advice-services/): What firms can expect after the FCA wrote to major advice firms about ongoing advice charges, with practical steps to prepare for scrutiny of fair value and consumer understanding.
- [Contact Centre Briefing: Pure protection in focus](https://tcc.group/insights/analysis-perspectives/contact-centre-briefing-pure-protection-in-focus/): TCC Group CEO Joe Norburn discusses the FCA's pure protection market study in Contact Centre Briefing, and what firms should do now to prepare for rising expectations on fair value…
- [Customer journeys and vulnerability lessons from the FCA’s basic bank account review](https://tcc.group/insights/regulatory-horizon/customer-journeys-and-vulnerability-lessons-from-the-fcas-basic-bank-account-review/): Lessons from the FCA's basic bank account mystery shopping review, showing why good customer outcomes depend on testing journeys in practice, not just having a suitable product and compliant governance…
- [Defined Benefit transfer guidance: Lessons for retirement advice](https://tcc.group/insights/analysis-perspectives/lessons-from-the-fcas-db-transfer-guidance/)
- [Delivering better customer outcomes under the Consumer Duty](https://tcc.group/insights/regulatory-horizon/delivering-better-outcomes/): A reminder from the FCA that the Consumer Duty is an ongoing commitment, not a one-off project, with closed products coming into scope from July 2024 and annual assessments under…
- [Driving change: The Supreme Court ruling sparks industry debate](https://tcc.group/insights/analysis-perspectives/driving-change-the-supreme-court-ruling-sparks-industry-debate/): A TCC, Recordsure and Momenta webinar examines the FCA's proposed motor finance redress scheme after the Supreme Court ruling, and what lenders should do now to prepare for possible large-scale…
- [Driving innovation and trust: TCC becomes a Finance & Leasing Association member](https://tcc.group/insights/analysis-perspectives/driving-innovation-and-trust-tcc-mom-rs-becomes-a-finance-leasing-association-member/): TCC Group's new membership in the Finance & Leasing Association (FLA) delivers regulatory insights and collaborative opportunities, enabling asset finance and consumer credit firms to navigate compliance complexities and build…
- [Ecommerce & Payments Briefing: The hidden risks inside Agentic AI systems](https://tcc.group/insights/analysis-perspectives/ecommerce-payments-briefing-the-hidden-risks-inside-agentic-ai-systems/): TCC Group's CTO discusses the hidden regulatory and security risks of Agentic AI in Ecommerce & Payments Briefing, emphasizing the urgent need to treat these autonomous systems as high-risk infrastructure.
- [Equity Release: Get your five-step guide to Consumer Duty compliance](https://tcc.group/insights/white-papers-guides/equity-release-get-your-five-step-guide-to-consumer-duty-compliance/): Download our exclusive guide containing five crucial steps to help equity release and later life mortgage providers align their advice strategies and financial promotions with strict FCA Consumer Duty expectations.
- [European Business Magazine UK wealth management merger risks](https://tcc.group/insights/analysis-perspectives/european-business-magazine-the-uk-wealth-management-merger-wave-isnt-the-risk-bad-execution-is-2/): As UK wealth management sector consolidation accelerates, TCC Group warns in European Business Magazine that firms must establish robust cultural governance, data structures, and continuous oversight to protect client outcomes.
- [European Business Magazine: Finance is scaling AI fast – now it has to prove it’s under control](https://tcc.group/insights/analysis-perspectives/european-business-magazine-finance-is-scaling-ai-fast-now-it-has-to-prove-its-under-control/): Writing in European Business Magazine, TCC Group CEO Joe Norburn warns that financial firms scaling AI must prove they have robust data quality, explainability, and governance under close FCA scrutiny.
- [Evidencing compliance in a data-led regulatory world](https://tcc.group/insights/analysis-perspectives/data-led-regulatory-world/): Poll results from TCC's evidencing compliance webinar reveal a sector confident in its Consumer Duty outcomes but still struggling to record, test and evidence them consistently, and why predictive AI…
- [Failing Consumer Duty with renewal barriers](https://tcc.group/insights/regulatory-horizon/insurance-renewal-barriers/)
- [FCA announced Motor Finance consumer redress scheme](https://tcc.group/insights/regulatory-horizon/fca-motor-redress-announced/): The FCA has confirmed the introduction of an industry-wide compensation scheme for motor finance customers sold products with undisclosed commissions between 2007 and 2024. Learn how lenders must respond.
- [FCA brings Buy Now Pay Later under its regulation from July 2026](https://tcc.group/insights/regulatory-horizon/fca-brings-buy-now-pay-later-under-its-regulation-from-july-2026/): The FCA has confirmed that the Buy Now Pay Later (BNPL) sector will come under its regulation starting 15 July 2026, introducing strict requirements for Consumer Duty compliance and robust…
- [FCA consolidation review: Lessons for wealth management](https://tcc.group/insights/regulatory-horizon/lessons-from-fca-review-for-advice-and-wealth-management-consolidation/)
- [FCA Consumer Finance Regulatory Priorities 2026: What it means for compliance leaders](https://tcc.group/insights/regulatory-horizon/fca-consumer-finance-regulatory-priorities-2026-what-it-means-for-compliance-leaders/): The FCA's latest Consumer Finance Regulatory Priorities report details the regulator's supervision strategy, focusing on responsible lending, fair value products, proactive debt support, and robust motor finance redress frameworks.
- [FCA Consumer Understanding: compliance next steps](https://tcc.group/insights/regulatory-horizon/fca-consumer-understanding-moving-from-good-intentions-to-regulator-ready-evidence/): FCA's latest consumer understanding guidance warns firms that compliance is judged on proven outcomes rather than design intent. Discover the key takeaways and how to build robust, regulator-ready evidence.
- [FCA CP26/28: What the AIFM regime reforms mean for wealth managers and firms](https://tcc.group/insights/regulatory-horizon/fca-cp26-28-what-the-aifm-regime-reforms-mean-for-wealth-managers-and-firms/): The FCA has launched consultation CP26/28, proposing significant reforms to the UK Alternative Investment Fund Manager (AIFM) regime. The proposals aim to create a more proportionate, flexible and UK-specific framework,…
- [FCA drives informed, sustainable decisions](https://tcc.group/insights/analysis-perspectives/fca-drives-informed-sustainable-decisions/): TCC Group's CEO discusses the FCA's aligned focus on helping consumers make informed, sustainable financial decisions, driving transparency and clearer ESG disclosures across products.
- [FCA guidance on multiple representation in motor finance complaints](https://tcc.group/insights/regulatory-horizon/fca-guidance-on-multiple-representation-in-motor-finance-complaints/): The FCA and SRA have issued joint guidance on multiple representation in motor finance claims. Discover the critical steps lenders must take to resolve duplicate complaints and avoid delays.
- [FCA highlights value concerns in legacy pension products](https://tcc.group/insights/regulatory-horizon/fca-highlights-value-concerns-in-legacy-pension-products/): The FCA has urged pension providers to review legacy unit-linked products. Under the Consumer Duty, firms must address complex charging structures, poor data, and outdated designs to ensure fair value.
- [FCA Insurance Priorities: Impact for Insurers & Intermediaries](https://tcc.group/insights/analysis-perspectives/fca-insurance-regulatory-priorities-report-key-impacts-for-insurers-and-intermediaries/): The FCA's new Insurance Regulatory Priorities report replaces portfolio letters, establishing central supervisory expectations for boards. Discover the impact on claims oversight, third-party governance, and Consumer Duty evidence.
- [FCA motor finance redress scheme announcement coming next Monday (30th March)](https://tcc.group/insights/regulatory-horizon/motor-redress-pending/): The FCA will publish the final details of its motor finance redress scheme on 30 March 2026. This sets out what lenders should have ready before the announcement lands.
- [FCA Outcome 1: Products and services](https://tcc.group/insights/regulatory-horizon/products-and-services-duty-outcome/): Ahead of the Consumer Duty's implementation deadline, TCC's Neil Dethick sets out three points firms should consider for the products and services outcome: customer characteristics, integrating feedback and measuring success.
- [FCA Outcome 2: Price and value](https://tcc.group/insights/regulatory-horizon/price-and-value-duty-outcome/): Neil Dethick, Associate Director at TCC, explains three key points firms should consider for the Consumer Duty's price and value outcome: evidencing fair value, why there is no simple formula,…
- [FCA Outcome 3: Consumer understanding](https://tcc.group/insights/regulatory-horizon/consumer-understanding-duty-outcome-3/): Practical guidance on the Consumer Duty's consumer understanding outcome, covering clear communication, testing and support for vulnerable customers, drawn from TCC's Associate Director Neil Dethick.
- [FCA partially suspends motor finance scheme: four key takeaways](https://tcc.group/insights/regulatory-horizon/four-key-takeaways-following-the-fcas-partial-suspension-of-proposed-motor-finance-scheme/): Following the Upper Tribunal's decision, the FCA has partially suspended its motor finance compensation scheme. Discover four essential takeaways on complaint identification, client comms, and contingency planning.
- [FCA priorities for 2026/27: Consumer Duty and financial crime](https://tcc.group/insights/regulatory-horizon/fca-priorities-for-2026-27-smarter-regulation-growth-consumer-duty-and-financial-crime/): The FCA's 2026/27 Annual Work Programme signals an aggressive shift toward data-driven supervision, smarter regulation, and an unyielding focus on the Consumer Duty, financial crime, and operational resilience.
- [FCA Regulatory Priorities for Payments: What firms need to act on now](https://tcc.group/insights/regulatory-horizon/fca-regulatory-priorities-for-payments-what-firms-need-to-act-on-now/): The FCA's March 2026 payments report outlines a direct supervisory agenda for payment and e-money firms. We explore core themes of safeguarding, financial crime, and Consumer Duty compliance, alongside concrete…
- [FCA Regulatory Priorities for the Wholesale Buy Side: what firms need to evidence now](https://tcc.group/insights/regulatory-horizon/fca-regulatory-priorities-for-the-wholesale-buy-side-what-firms-need-to-evidence-now/): The FCA's first consolidated Regulatory Priorities report for the wholesale buy-side is a direct statement of expectations. We examine the shift towards demonstrable outcomes, third-party risk, and private market valuations.
- [FCA Regulatory Priorities for Wholesale Markets: why boards should act now](https://tcc.group/insights/regulatory-horizon/fca-regulatory-priorities-for-wholesale-markets-why-boards-should-act-on-now/): The FCA's Regulatory Priorities report for wholesale markets represents a major shift in supervisor expectations. Boards are urged to act on outcomes, evidence, and operational grip, especially around third-party tech…
- [FCA remuneration reform explained: what CP26/27 could mean for firms](https://tcc.group/insights/analysis-perspectives/fca-remuneration-reform-explained-what-cp26-27-could-mean-for-firms/): The FCA has published Consultation Paper CP26/27, proposing to replace the existing AIFM, UCITS and MIFIDPRU remuneration codes with a single remuneration framework for in-scope solo-regulated firms. The proposed regime…
- [FCA Retail Banking Priorities: What Banks Must Do Now](https://tcc.group/insights/regulatory-horizon/what-the-fcas-retail-banking-regulatory-priorities-report-means-for-retail-banks/): See what the FCA’s 2026 Regulatory Priorities report requires of retail banks and building societies, from access to cash to Consumer Duty evidencing, fraud controls and operational resilience testing.
- [FCA softens tone on ongoing advice but keeps focus on value](https://tcc.group/insights/analysis-perspectives/money-marketing-ongoing-advice-tone/)
- [FCA’s final motor finance redress scheme: What lenders need to do now](https://tcc.group/insights/regulatory-horizon/fca-final-motor-finance-redress-scheme-next-steps-for-lenders/): The FCA has published its final Motor Finance Consumer Redress Scheme, split into two distinct schemes with strict implementation periods and complex hybrid calculation caps. Learn how lenders must adapt.
- [FCA’s review flags gaps in support for vulnerable consumers](https://tcc.group/insights/regulatory-horizon/the-fcas-multi-firm-review-flags-gaps-in-support-for-vulnerable-customers/): Discover the FCA's key findings on vulnerable customer outcomes, the fines already issued to major firms, and ten practical steps to strengthen how your firm identifies, monitors and supports customers…
- [FCA’s Review: Wealth Managers surprised by positive findings](https://tcc.group/insights/analysis-perspectives/tcc-roundup-fca-ongoing-advice-key-findings-and-remaining-risks/): Explore expert insights on the FCA's ongoing advice review. Learn about remaining compliance risks, adviser attestation, and why relying on practice management data alone falls short.
- [FCA’s Value for Money Framework Gathers Pace](https://tcc.group/insights/regulatory-horizon/fcas-value-for-money-framework-for-defined-contribution-pensions-gathers-pace/): The next phase of the FCA's Value for Money (VFM) framework consultation is underway. We analyze the shift towards holistic, long-term value in DC pensions and how trust-based schemes face…
- [Financial crime needs a team approach](https://tcc.group/insights/analysis-perspectives/european-business-magazine-financial-crime-needs-a-team-sport-approach/): In European Business Magazine, TCC Group CEO Joe Norburn argues that combating sophisticated financial crime requires an integrated, enterprise-wide defense rather than fragmented, siloed operating models.
- [Financial wellbeing needs a tailored approach: The FCA’s vision for financial services](https://tcc.group/insights/regulatory-horizon/financial-wellbeing-needs-a-tailored-approach-the-fcas-vision-for-financial-services/): The FCA's vision for financial wellbeing requires firms to move beyond generic advice. We examine Deputy CEO Sarah Pritchard's address on tailored support, opportunity risk, and evidencing value in a…
- [Firms express low confidence in current vulnerability support](https://tcc.group/insights/analysis-perspectives/vulnerability-financial-services-support/): Discover why only 18% of firms feel highly confident in supporting vulnerable customers, what recent FCA fines reveal about the gaps, and the five priority areas TCC recommends firms address…
- [Five Consumer Duty priorities to refine for your third Board report](https://tcc.group/insights/regulatory-horizon/five-consumer-duty-priorities-to-refine-for-your-third-board-report/): As firms prepare their third annual Consumer Duty Board reports, the regulatory focus has shifted from effort to effectiveness. Discover the five crucial priority areas boards must address to satisfy…
- [Five key priorities for long-term Consumer Duty success](https://tcc.group/insights/regulatory-horizon/five-priorities-consumer-duty/): Following our recent Consumer Duty forum, we outline five key priorities for long-term success. Discover insights on embedding governance, managing Board reporting, and the role of RegTech in outcome testing.
- [Five priorities for insurers following the FCA’s financial crime review](https://tcc.group/insights/regulatory-horizon/five-priorities-for-insurers-following-the-fcas-financial-crime-review/): The FCA's review of insurers' financial crime controls reveals critical gaps. Explore five strategic priorities to strengthen risk assessments, due diligence processes, and third-party oversight frameworks.
- [Five priorities for managing non-financial misconduct risk](https://tcc.group/insights/regulatory-horizon/non-financial-misconduct-risk/): The FCA's focus on non-financial misconduct is reshaping regulatory expectations. This sets out five practical priorities, from policy and culture to independent validation, that firms should address now.
- [Five takeaways for wealth managers from AI in Compliance](https://tcc.group/insights/white-papers-guides/five-takeaways-ai-in-compliance-ongoing-advice-event-for-wealth-managers/): Discover five key takeaways for wealth managers from our AI in Compliance event in London. We explore 'reasonable steps' in ongoing advice, generative versus predictive AI, and client data ethics.
- [Five-Minute Insights: Embedding Compliance with RegTech](https://tcc.group/insights/press-releases/five-minute-insights-embedding-compliance-with-regtech/): How can wealth and asset managers streamline compliance and improve client journeys through technology? FinTech expert Sabrina Del Prete shares key strategies on internal digital transformation and collaborative RegTech platforms.
- [Forum Events and Media Group 2026: The Year the FCA Demands Proof](https://tcc.group/insights/analysis-perspectives/forum-events-and-media-group-2026-the-year-the-fca-demands-proof-not-promises-2/): In Forum Events and Media, TCC Group CEO Joe Norburn highlights the FCA's decisive shift in 2026 towards outcomes-based supervision, requiring firms to deliver proof rather than promises.
- [Four steps to building an effective Retirement Income proposition](https://tcc.group/insights/analysis-perspectives/four-steps-building-an-effective-centralised-retirement-income-proposition/): With the FCA intensifying its focus on retirement income advice, firms must review their processes. TCC's David Boyhan outlines four essential steps in Money Marketing to deliver compliant outcomes.
- [FPS: Fragmented Financial Crime Oversight is Creating New Risks](https://tcc.group/insights/analysis-perspectives/fps-fragmented-financial-crime-oversight-is-creating-new-risks-for-firms/): At the Fraud Prevention Summit, TCC Group CEO Joe Norburn highlights why fragmented financial crime oversight has become a material operational risk. Discover why an enterprise-wide approach is essential.
- [Fragmented controls raise financial crime risk for firms](https://tcc.group/insights/analysis-perspectives/business-accountancy-daily-fragmented-controls-raise-financial-crime-risk-for-firms/): TCC Group's CEO explains why treating financial crime as a fragmented, siloed problem is now a resilience risk in itself, and why firms need connected governance, technology and operations instead.
- [From Legal Definitions to Operational Realities: Who Feels the Impact?](https://tcc.group/insights/analysis-perspectives/from-legal-definitions-to-operational-realities-who-feels-the-impact/): Unpack the Supreme Court's complex stance on motor finance commissions. We explore the operational realities of the Johnson ruling, opt-in versus opt-out redress, and the role of Claims Management Companies.
- [From Principles to Proof: Data-Led Compliance Evidencing in 2026](https://tcc.group/insights/regulatory-horizon/from-principles-to-proof-data-led-compliance-evidencing-in-2026/): In 2026, the regulatory focus shifts from interpreting principles to demonstrating proof. Explore Joe Norburn's predictions on evidence readiness, predictive AI, and the inevitable decline of manual compliance sampling.
- [From Sampling to Evidence: Scaling Oversight for Consumer Duty](https://tcc.group/insights/analysis-perspectives/from-sampling-to-evidence-scaling-oversight-for-consumer-duty/): Traditional file sampling creates significant regulatory blind spots. Discover how to scale compliance oversight under Consumer Duty, moving from selective reviews to continuous, data-driven assurance.
- [Global study, supported by TCC and Recordsure, reveals six](https://tcc.group/insights/analysis-perspectives/tcc-recordsure-global-wealth-asset-management-study-post-pandemic-changes/): A global study backed by TCC and Recordsure identifies six shifts reshaping wealth and asset management after the pandemic, from rising demand for digital access to greater scrutiny of fees,…
- [Harnessing AI to Transform Suitability Reviews into Actionable Insight](https://tcc.group/insights/analysis-perspectives/harnessing-ai-to-transform-suitability-reviews-into-actionable-insight/): How can wealth managers transform suitability reviews from a cost-center into a strategic asset? Discover how blending predictive AI with human judgment can cut file review times by 40% and…
- [Home and motor insurers must do more to support struggling customers, FCA warns](https://tcc.group/insights/analysis-perspectives/home-and-motor-insurers-must-do-more-to-support-struggling-customers-fca-warns/): Understand how the FCA's latest warning on motor and home insurance claims handling affects your firm, and learn how to align product design, claims settlements, and vulnerable customer support with…
- [How advice firms should navigate the AI journey](https://tcc.group/insights/analysis-perspectives/advice-firms-ai/): A short guide for financial advice firms weighing up the growing number of AI tools on the market, explaining the two main types of AI so firms can judge which…
- [How advisers can balance digital innovation and human relationships](https://tcc.group/insights/analysis-perspectives/how-advisers-can-balance-digital-innovation-and-human-relationships/): Discover how financial advisers can balance digital communication platforms with the essential 'human element' to maintain strong client relationships and meet regulatory customer support standards.
- [How can firms keep their ongoing advice services compliant?](https://tcc.group/insights/analysis-perspectives/how-firms-can-keep-their-ongoing-advice-services-compliant/): Learn the dual go-forward and backward-looking compliance strategies required to keep your ongoing advice services fully compliant under the FCA's latest thematic review standards.
- [How do the ongoing advice review findings relate to the Consumer Duty?](https://tcc.group/insights/analysis-perspectives/how-do-fca-ongoing-advice-review-findings-relate-to-consumer-duty/): Discover how the FCA's ongoing advice review findings intersect with the Consumer Duty, and understand the critical management information required to evidence compliance in your annual board report.
- [How foreseeable harm is changing under Consumer Duty](https://tcc.group/insights/analysis-perspectives/money-marketing-how-foreseeable-harm-is-changing-under-consumer-duty/): Consumer Duty is shifting the focus from reacting to harm to anticipating it. Firms are increasingly expected to identify signs of potential customer harm before they appear through traditional indicators…
- [How FOS reforms will affect financial services firms](https://tcc.group/insights/regulatory-horizon/how-fos-reforms-will-affect-financial-services-firms/): Understand how the government's upcoming Financial Ombudsman Service (FOS) legislative reforms will restrict FOS discretion under the 'fair and reasonable' test, and learn how to prepare your firm's complaint-handling frameworks.
- [How has the contingent charging ban impacted the advice industry?](https://tcc.group/insights/analysis-perspectives/how-has-the-contingent-charging-ban-impacted-the-advice-industry/): Discover TCC Technical Director David Boyhan's insights on how the FCA's contingent charging ban and a clearer understanding of regulatory expectations have reshaped the DB pension transfer advice market.
- [How prepared are you for the Consumer Duty?](https://tcc.group/insights/analysis-perspectives/how-prepared-are-you-for-the-consumer-duty/): Discover the four essential questions financial services firms must address to ease the transition and achieve compliance ahead of the FCA's Consumer Duty implementation.
- [How RegTech is reshaping compliance for the digital era](https://tcc.group/insights/analysis-perspectives/how-regtech-is-reshaping-compliance-for-the-digital-era/): Learn how rapid digitisation and rising regulatory pressure are transforming RegTech from a compliance luxury into an indispensable daily tool for financial services firms.
- [How should firms be considering quality and suitability of advice?](https://tcc.group/insights/analysis-perspectives/how-to-consider-quality-and-suitability-of-advice/): Discover why advice firms must shift their focus from simple service delivery checklists to robustly monitoring and evidencing the suitability and quality of ongoing advice under the Consumer Duty.
- [How smart firms can leverage the new DB transfer rules](https://tcc.group/insights/analysis-perspectives/how-smart-firms-can-leverage-the-new-db-transfer-rules/): Discover how the FCA's new rules on Defined Benefit (DB) pension transfers can help proactive advice firms deliver higher-quality suitability and rebuild regulatory trust.
- [How to Approach British Steel Pensions Scheme Redress](https://tcc.group/insights/press-releases/how-firms-should-approach-british-steel-pensions-redress/): Learn TCC's three-point strategy for successfully delivering accurate British Steel Pension Scheme (BSPS) redress calculations while keeping pace with the FCA's strict statutory timelines.
- [How to prepare for FCA’s new Consumer Duty](https://tcc.group/insights/regulatory-horizon/how-to-prepare-for-fca-consumer-duty/): Learn the practical preparatory steps, board responsibilities, and gap analysis strategies required to build a compliant Consumer Duty Implementation Plan ahead of the FCA deadline.
- [How to prepare for the Consumer Duty’s Price and Value outcome](https://tcc.group/insights/regulatory-horizon/prepare-for-price-and-value-outcome/): As the Consumer Duty's July 2023 deadline approaches, this article explains how to conduct value assessments, benchmark charges and evidence fair value across different client segments and distribution arrangements.
- [How to stay ahead of FCA demands and unlock AI’s potential for wealth management compliance](https://tcc.group/insights/regulatory-horizon/stay-ahead-of-fca-demands-with-ai-for-wealth-management/): TCC invited wealth management firms to an in-person event on evidencing ongoing advice under the Consumer Duty and using AI to strengthen suitability and file review processes.
- [IBS Intelligence: Why financial services firms face growing AI governance scrutiny](https://tcc.group/insights/analysis-perspectives/ibs-intelligence-why-financial-services-firms-face-growing-ai-governance-scrutiny/): As AI becomes more deeply embedded across financial services, firms face growing pressure to demonstrate clear accountability, oversight and governance. While existing frameworks such as Consumer Duty, SMCR and operational…
- [Implementing the Consumer Duty: what are the foreseeable challenges?](https://tcc.group/insights/analysis-perspectives/implementing-the-consumer-duty-what-are-the-foreseeable-challenges/): Identify four key operational complications financial services firms should anticipate as they prepare for the FCA's Consumer Duty implementation and outcome monitoring.
- [Insurance claims rewired: The rise of agentic AI](https://tcc.group/insights/analysis-perspectives/insurance-claims-rewired-the-rise-of-agentic-ai/): Discover how the rise of agentic AI is transforming the insurance claims sector, shifting technology from a passive support tool to an active workflow executor.
- [Insurance Edge: Consumer Duty three years on](https://tcc.group/insights/analysis-perspectives/insurance-edge-consumer-duty-three-years-on/): Reflect on three years of the FCA's Consumer Duty in the insurance sector, and learn how leaders are shifting from tick-box compliance to proactive, data-led customer outcomes.
- [Insurance Edge: Pure protection FCA study raises expectations](https://tcc.group/insights/analysis-perspectives/insurance-edge-pure-protection-in-focus-fca-market-study-raises-regulatory-expectations-for-2026/): Learn how general insurance firms should prepare for the FCA's upcoming pure protection market study report in Q3 2026 by auditing distribution governance and remuneration.
- [Insurance Edge: Pure Protection in Focus](https://tcc.group/insights/analysis-perspectives/insurance-edge-pure-protection-in-focus/): Understand the regulatory implications of the FCA's Pure Protection Market Study on commission transparency, fair value, and vulnerable customers in the protection insurance sector.
- [Joanne Smith named Innovator of the Year 2022 finalist](https://tcc.group/insights/press-releases/joanne-smith-innovator-of-the-year-2022-award-finalist/)
- [Key findings from FCA’s ongoing advice review](https://tcc.group/insights/analysis-perspectives/key-findings-ongoing-advice-q1/)
- [Key takeaways from CP26/10: Simplifying pensions and investment](https://tcc.group/insights/regulatory-horizon/the-key-takeaways-from-cp26-10-simplifying-the-pensions-and-investment-advice-rules/): Get a concise breakdown of the FCA's CP26/10 proposals to consolidate COBS 9 and 9A, simplify client information requirements and give firms more flexibility over ongoing suitability reviews.
- [Lessons from the FCA’s review into consolidation](https://tcc.group/insights/analysis-perspectives/money-marketing-review-into-consolidation/)
- [Mastering regulatory due diligence in acquisitions](https://tcc.group/insights/white-papers-guides/mastering-regulatory-due-diligence/)
- [Mills Review signals the future direction of AI governance in financial services](https://tcc.group/insights/analysis-perspectives/mills-review-signals-the-future-direction-of-ai-governance-in-financial-services/): Recently featured in European Business Magazine, TCC Group CEO Joe Norburn explores why the FCA's Mills Review deserves close attention from financial services firms as AI becomes increasingly embedded in…
- [Modernising consumer redress: What FCA CP26/9 means for firms](https://tcc.group/insights/regulatory-horizon/modernising-the-redress-system-what-fca-cp26-9-means-for-firms/)
- [Mortgage providers: Act now for a compliant future](https://tcc.group/insights/regulatory-horizon/mortgage-providers-compliant-future/)
- [Motor Finance Compensation Scheme: Consultation extended](https://tcc.group/insights/regulatory-horizon/motor-finance-compensation-scheme-consultation-extended-but-preparation-remains-critical/)
- [Motor finance consumer redress scheme: Key expectations](https://tcc.group/insights/regulatory-horizon/motor-finance-consumer-redress-scheme-implementation-expectations/)
- [Motor finance redress scheme meets resistance](https://tcc.group/insights/regulatory-horizon/motor-finance-redress-scheme-meets-resistance/): The FCA's motor finance redress scheme faces four legal challenges from a consumer group and three lenders. Here's what the challenge means for timing, market stability and how firms should…
- [Motor finance redress: Is your firm ready?](https://tcc.group/insights/analysis-perspectives/motor-finance-redress-is-your-firm-ready-for-what-is-ahead/)
- [Navigating financial crime compliance in a changing landscape](https://tcc.group/insights/regulatory-horizon/navigating-financial-crime-compliance-in-a-changing-regulatory-landscape/): The FCA is becoming the single AML/CTF supervisor for professional services and moving to continuous, data-led oversight. This looks at what that means for customer due diligence frameworks.
- [Ongoing advice remains high on the regulator’s radar](https://tcc.group/insights/analysis-perspectives/money-marketing-ongoing-advice-still-on-the-regulator-radar/)
- [Ongoing advice: Navigating the FCA’s areas of focus](https://tcc.group/insights/analysis-perspectives/money-marketing-joe-norburn-ongoing-advice-and-the-fcas-areas-of-focus/)
- [Overview so far: the expected regulatory hot topics of 2025](https://tcc.group/insights/regulatory-horizon/2025-regulatory-topics/): TCC's compliance forums identify the FCA concerns most likely to shape 2025, from financial resilience and vulnerable customers to Consumer Duty fair value, helping firms target reviews before the regulator…
- [Part 1: Understanding poorer outcomes for vulnerable customers](https://tcc.group/insights/analysis-perspectives/tcc-webinar-part-one-poorer-outxomes-vulnerable/): Understand the FCA's concerns regarding vulnerable customers. Learn why inconsistent execution causes worse outcomes and how to address barriers to customer disclosure.
- [Part 2: FCA’s ongoing advice services review: next steps for wealth managers](https://tcc.group/insights/analysis-perspectives/tcc-webinar-part-two-fca-ongoing-advice-services-review-evidence-next-steps-for-wealth-managers/): Discover the evidence wealth managers need to comply with the FCA's ongoing advice services review. Learn about client categorisation, legacy systems, and compliance steps.
- [Part 2: How to embed and evidence your vulnerability strategy](https://tcc.group/insights/analysis-perspectives/tcc-webinar-part-two-embed-vulnerability-strategy/): Learn how to align corporate culture, strategy, and controls to support vulnerable customers. Discover how to balance staff empowerment with process consistency.
- [Part 3: Creating safe environments & evidencing support](https://tcc.group/insights/analysis-perspectives/tcc-webinar-part-three-safe-environments-vulnerable-customers/): Discover how to build a safe disclosure environment for vulnerable customers. Learn how to overcome barriers to disclosure and implement meaningful compliance monitoring.
- [Part 3: FCA’s ongoing advice services review: long term compliance](https://tcc.group/insights/analysis-perspectives/tcc-webinar-part-three-fca-ongoing-advice-services-review-long-term-compliance/): Learn about long-term compliance in wealth management. Explore proportional file sampling, data collection challenges, and the potential impact of client redress.
- [Part 4: Aligning strategy & practice to support vulnerable customers](https://tcc.group/insights/analysis-perspectives/tcc-webinar-part-four-embed-vulnerable-customer-strategy/): Discover how to align culture, product design, and data to support vulnerable customers. Learn TCC's house view on meeting the FCA's five key areas of focus.
- [Plan for the worst, act early: winning the remediation race](https://tcc.group/insights/analysis-perspectives/plan-for-the-worst-act-early-winning-the-remediation-race/): In the final part of our motor finance redress webinar, TCC, Momenta and Recordsure set out practical next steps for firms: verifying data integrity, segmenting historical cases and preparing for…
- [Preparing for change: FCA’s review of protection product distribution and value](https://tcc.group/insights/regulatory-horizon/preparing-for-change-fcas-review-of-protection-product-distribution-and-value/): The FCA's Market Study into pure protection product distribution focuses on commission arrangements, fair value and vulnerable customers. This article sets out a six-step strategy for insurers and intermediaries to…
- [Preparing for the FCA targeted support regime](https://tcc.group/insights/analysis-perspectives/targeted-support/): TCC explains the FCA's new targeted support regime for pensions and investments, and what firms need in place on segmentation, governance and communications before the April 2026 deadline.
- [Preparing for the motor finance redress scheme is critical](https://tcc.group/insights/analysis-perspectives/fca-preparing-for-the-motor-finance-redress-scheme-is-critical/): Waiting for the FCA's final motor finance redress scheme rules is a high-risk strategy. TCC's Chief Commercial Officer Garry Evans explores the key themes from the FLA Convention and why…
- [Preparing the motor finance industry for the surge in commission complaints](https://tcc.group/insights/white-papers-guides/surge-motor-finance/): TCC examines the Court of Appeal's motor finance commission ruling and the FCA's expected redress scheme, setting out what brokers and lenders should do to prepare operationally.
- [Preparing the motor finance industry for the surge in complaints](https://tcc.group/insights/regulatory-horizon/motor-finance-redress-scheme-what-do-we-know-now/): The Supreme Court's ruling on motor finance commission has prompted the FCA to consult on a compensation scheme. This explains what is known so far and the practical steps lenders…
- [Preparing the motor finance industry for the surge in complaints](https://tcc.group/insights/analysis-perspectives/fca-redress-consultation-explained-key-impacts-on-motor-finance/): As the Supreme Court's landmark Johnson ruling and FCA's redress proposals spark industry debate, learn the 5 key considerations motor finance lenders must address to scale their complaints response.
- [Proving compliance in 2026: A data-led world](https://tcc.group/insights/analysis-perspectives/it-supply-chain-2026-predictions-evidencing-compliance-in-a-data-led-regulatory-world/)
- [Proving Consumer Duty compliance: 2026 predictions](https://tcc.group/insights/regulatory-horizon/it-reseller-2026-predictions-evidencing-compliance-in-a-data-led-regulatory-world/)
- [Pure protection in focus: FCA market study raises regulatory expectations for 2026](https://tcc.group/insights/analysis-perspectives/pure-protection-fca-study-raises-2026-expectations/): TCC Group CEO Joe Norburn discusses the FCA's Pure Protection Market Study in Professional Adviser, highlighting increasing scrutiny of fair value, commission structures and outcomes for customers, including those in…
- [Pure Protection: Regulatory expectations intensify in 2026 | TCC](https://tcc.group/insights/regulatory-horizon/fca-market-study-on-pure-protection-regulatory-expectations-intensify-in-2026/): As the FCA's Pure Protection Market Study intensifies, firms face unprecedented scrutiny over commissions, panel structures, and vulnerable customer support. Discover the interim findings and key steps to ensure compliance.
- [Q&A: The important insights from the FCA’s ongoing advice review findings](https://tcc.group/insights/analysis-perspectives/qa-ongoing-advice-findings/): TCC's Q&A video unpacks the FCA's ongoing advice review findings, explaining what firms must do about clients who did not receive a review and how to evidence compliant reviews going…
- [Redefining ongoing advice servicing oversight](https://tcc.group/insights/analysis-perspectives/redefining-ongoing-advice-oversight/): TCC and Recordsure used AI to cut an Australian remediation programme from six years to under one, at less than half the cost, offering a model for UK firms reviewing…
- [Reflections on two years of Consumer Duty](https://tcc.group/insights/analysis-perspectives/money-marketing-consumer-duty-turns-two/)
- [Regulatory due diligence: Examining firms’ priorities for 2024](https://tcc.group/insights/analysis-perspectives/regulatory-due-diligence-fca-priorities-for-2024/): David Boyhan of TCC explains why the FCA's focus for regulatory due diligence is shifting as DB transfers become business as usual, and identifies three areas acquirers should check before…
- [Rethinking financial crime controls in a system-wide risk environment](https://tcc.group/insights/regulatory-horizon/rethinking-financial-crime-controls-in-a-system-wide-risk-environment/): The FCA's recent speech signals that financial crime controls will be judged on real-world effectiveness, not just documented policies. This explains what the shift means for firms across banking, wealth…
- [Rethinking ongoing advice to deliver client value](https://tcc.group/insights/analysis-perspectives/rethinking-ongoing-advice/): TCC Group CEO Joe Norburn explains why firms need always-on, data-led evidencing of ongoing advice delivery to meet the FCA's rising expectations in 2026, rather than relying on periodic, sample-based…
- [Rethinking vulnerability for the Consumer Duty era](https://tcc.group/insights/analysis-perspectives/rethinking-vulnerability-for-the-consumer-duty-era/): Garry Evans of TCC Group examines how the Consumer Duty requires a more proactive approach to identifying and managing customer vulnerability, with practical tips for building a safeguarding strategy that…
- [Retirement income in the regulator’s spotlight](https://tcc.group/insights/analysis-perspectives/retirement-income-in-the-regulators-spotlight/): David Boyhan of TCC explains why the FCA treats retirement income as a regulatory priority, and sets out what advisers can do to ensure clients receive the right level of…
- [Seven key topics to ensure the success of your ongoing advisory reviews](https://tcc.group/insights/white-papers-guides/seven-topics-ongoing-advice-services/): TCC and Recordsure outline seven regulatory standards firms should address to deliver compliant ongoing advice reviews, from a positive customer journey to fair value and refund policy.
- [Spotlight on the FCA’s Consumer Support Outcome 4](https://tcc.group/insights/regulatory-horizon/consumer-support-duty-outcome-4/): TCC's Neil Dethick concludes a deep dive into the Consumer Duty's four outcomes by explaining what the FCA expects of consumer support, including channel choice and support for customers whose…
- [Spotting the warning signs of a risky acquisition](https://tcc.group/insights/analysis-perspectives/three-warning-signs-of-a-risky-acquisition/): Discover the three red flags TCC's David Boyhan says every acquirer should check before completing a deal, helping you spot hidden liabilities in a target firm before they become your…
- [Strategic interim resourcing](https://tcc.group/insights/white-papers-guides/interim-resourcing/)
- [Suitability and Equity Release: How well do you know your client?](https://tcc.group/insights/analysis-perspectives/fact-finding-for-equity-release/): Writing in Money Marketing, TCC's Technical Director David Boyhan explains why firms must take a long-term approach to assessing suitability before recommending equity release products to consumers.
- [Suitability reviews with AI: compliance burden to asset](https://tcc.group/insights/analysis-perspectives/suitability-reviews-with-ai-turning-a-compliance-burden-into-a-business-asset/): TCC and Recordsure's webinar poll found most suitability files are rated unclear due to insufficient rationale, and set out how AI-driven feedback can turn reviews into a source of improvement.
- [TCC and Recordsure win joint ‘Best RegTech Company’](https://tcc.group/insights/analysis-perspectives/tcc-and-recordsure-win-joint-best-regtech-company-prize-at-fintech-breakthrough-awards-2022/): TCC and Recordsure have been named joint winners of the Best RegTech Company award at the 2022 FinTech Breakthrough Awards, recognising a second consecutive year of joint recognition and a…
- [TCC Group acquires Momenta Group](https://tcc.group/insights/press-releases/tcc-group-acquires-momenta-group-to-expand-compliance-and-resourcing-solutions-for-regulated-industries/): TCC Group has acquired the UK and Australian business of Momenta Group, a resourcing and client services provider, extending TCC's compliance and specialist resourcing offering for regulated industries.
- [TCC Group: FCA Review Impact on Advice & Wealth Firms](https://tcc.group/insights/analysis-perspectives/tcc-group-fca-review-impact-on-advice-wealth-firms/): TCC Group CEO Joe Norburn discusses the FCA's consolidation review in Wealth DFM, examining what growing consolidation in the advice and wealth management sector means for governance, financial resilience and…
- [TCC Joins SME Climate Hub to Reduce Emissions](https://tcc.group/insights/regulatory-horizon/tcc-joins-sme-climate-hub-initiative/): TCC has joined the SME Climate Hub and signed the SME Climate Commitment, pledging to halve its emissions by 2030 in line with the United Nations' Race to Zero campaign.
- [TCC Wins RegTech Innovation Award at FinTech Breakthrough](https://tcc.group/insights/regulatory-horizon/tcc-and-recordsure-awarded-regtech-innovation-fintech-breakthrough-awards/): TCC and sister company Recordsure have won the RegTech Innovation award at the 2023 FinTech Breakthrough Awards, the group's third consecutive year of recognition for combining compliance expertise with regulatory…
- [Tech insights: Secrets of AI Agents](https://tcc.group/insights/analysis-perspectives/the-secrets-of-ai-agents/): Discover why AI agents aren't new, how software agents evolved from 1950s concepts into today's agentic frameworks, and what genuinely matters when choosing the right AI for each task.
- [The benefits of enhancing data capture go beyond compliance – Money Marketing](https://tcc.group/insights/analysis-perspectives/benefits-of-enhanced-data-go-beyond-compliance-money-marketing/): Find out why enhanced data capture helps advice firms meet FCA expectations and keep client reviews on schedule, according to TCC's Technical Director David Boyhan.
- [The FCA welcomes consolidation but raises the accountability bar](https://tcc.group/insights/regulatory-horizon/the-fca-welcomes-consolidation-but-raises-the-accountability-bar/): Learn what the FCA's consolidation review means for acquiring wealth management firms, why centralised governance is becoming a strategic advantage, and how to turn regulatory scrutiny into a competitive differentiator.
- [The future of AI in compliance](https://tcc.group/insights/analysis-perspectives/the-future-of-ai-in-compliance/): Find out what TCC and Recordsure's two-part 'AI in compliance' webinar series covers, including how combining generative and predictive AI can sharpen suitability assessments and build auditable, regulator-ready evidence.
- [The Mills Review could reshape AI governance in financial services](https://tcc.group/insights/regulatory-horizon/how-the-mills-review-could-reshape-ai-governance-in-financial-services/): Understand how the FCA's landmark Mills Review on artificial intelligence could reshape compliance, governance, and accountability frameworks in financial services as AI moves from assistance to delegation.
- [The resourcing crunch: preparing for a remediation surge](https://tcc.group/insights/analysis-perspectives/the-resourcing-crunch-preparing-for-a-remediation-surge/): Understand why the motor finance remediation programme will strain resourcing, what the Supreme Court ruling changes about complaint complexity, and how firms can secure the skilled case handlers they'll need.
- [The role of generative and predictive AI in wealth management](https://tcc.group/insights/analysis-perspectives/the-role-of-generative-and-predictive-ai-in-wealth-management/): Learn the practical difference between predictive and generative AI, why combining both is essential for wealth management compliance, and how to avoid the risks of over-relying on either approach alone.
- [Three key steps to ensuring Consumer Duty readiness](https://tcc.group/insights/analysis-perspectives/three-key-steps-to-ensuring-consumer-duty-readiness/): Discover the three practical steps TCC's Neil Dethick recommends for building a Consumer Duty implementation plan that meets the FCA's 'show me, don't tell me' approach before the October deadline.
- [Three key themes from the FCA’s Fair Value assessment review](https://tcc.group/insights/analysis-perspectives/three-key-themes-from-the-fcas-fair-value-assessment-review/): Find out what the FCA's price and value review of 14 firms reveals about fair value assessments, and the lessons TCC's Juana Diaz-Landinez says every firm should apply to strengthen…
- [Three need-to-know regulatory changes on the FCA’s agenda](https://tcc.group/insights/analysis-perspectives/three-need-to-know-regulatory-changes-on-the-fcas-agenda/): See which three areas TCC's Andy Fouracres expects the FCA to target next as it raises standards under its Business Plan, plus the proactive steps firms can take to meet…
- [Three rules for turning complaints into valuable lessons](https://tcc.group/insights/analysis-perspectives/three-rules-for-turning-complaints-into-valuable-lessons/): Learn how TCC's Neil Dethick's three-step approach helps firms turn dissatisfied customer complaints into constructive outcomes, and use every case as a genuine learning opportunity for frontline and compliance teams.
- [Three ways digital transformation is strengthening compliance](https://tcc.group/insights/press-releases/three-ways-digital-transformation-is-strengthening-compliance/): Discover how leading wealth, banking and insurance firms are using RegTech - from automated file reviews to AI speech analytics - to keep pace with rising compliance demands without expanding…
- [Tighter rules for buy now pay later loans](https://tcc.group/insights/analysis-perspectives/tighter-rules-for-buy-now-pay-later-loans/): Discover how the FCA's incoming Buy Now Pay Later rules will reshape disclosure, affordability checks and consumer protections, and what a fast-growing £13 billion credit market means for compliance teams…
- [Top ten regulatory priorities for financial services firms in 2026](https://tcc.group/insights/regulatory-horizon/2026-regulatory-priorities/): TCC sets out ten regulatory priorities for 2026 under the FCA's five-year strategy, covering Consumer Duty embedding, AI governance, motor finance redress and targeted support, so firms know where to…
- [Turning motor finance compliance into an opportunity](https://tcc.group/insights/analysis-perspectives/turning-motor-finance-compliance-into-an-opportunity/): Learn how early preparation for the FCA's motor finance redress scheme reduces operational stress, and see practical steps spanning portfolio assessment, governance and technology to build lasting compliance capability.
- [Turning no change reviews into insightful compliance opportunities](https://tcc.group/insights/analysis-perspectives/turning-no-change-reviews-into-insightful-compliance-opportunities/): Find out why annual no change suitability reviews carry hidden risk, how AI can speed up file checking, and what practical steps turn a routine compliance task into a strategic…
- [Turning suitability reviews into a strategic advantage](https://tcc.group/insights/analysis-perspectives/turning-suitability-reviews-into-a-strategic-advantage/): See the poll results revealing how many advice files need rework after a suitability review, what the FCA expects on risk-based sampling, and how one firm lifted its right-first-time rate…
- [U.K. financial regulator cuts cases to focus on investigations](https://tcc.group/insights/analysis-perspectives/uk-financial-regulator-cuts-cases-to-focus-on-investigations/): Find out why the FCA is closing around 100 lower-priority investigations to concentrate resources on cases most likely to deliver real outcomes, and what this shift in enforcement strategy means…
- [UK Wealth Mergers Aren’t the Risk – Bad Execution Is](https://tcc.group/insights/analysis-perspectives/the-uk-wealth-management-merger-wave-isnt-the-risk-bad-execution-is/): Learn why disciplined governance, due diligence and integration - not consolidation itself - determine whether UK wealth management mergers succeed, and how firms can scale acquisitions without losing oversight or…
- [Understanding & implementing the FCA’s ongoing advice findings](https://tcc.group/insights/regulatory-horizon/ongoing-review-findings/): The FCA has published findings on ongoing advice services, identifying clients who did not receive paid-for reviews. This article sets out the practical steps wealth management firms should take now,…
- [Understanding the FCA changes impacting motor finance firms](https://tcc.group/insights/analysis-perspectives/understanding-the-fca-changes-impacting-motor-finance-firms/): Understand the FCA's motor finance redress consultation, including how affected customers are identified and redress calculated, and get three practical steps to turn compliance into a stronger, more resilient operation.
- [Watch on-demand: Sessions with our compliance experts](https://tcc.group/insights/analysis-perspectives/watch-on-demand-sessions-with-our-compliance-experts/): Browse TCC's on-demand session library covering governance, redress, Consumer Duty, vulnerable customers and suitability, and use these expert recaps to benchmark your firm's practices without waiting for a live webinar…
- [Wealth managers signal the FCA’s ongoing advice review presented better findings than they expected](https://tcc.group/insights/regulatory-horizon/ongoing-advice-poll/): A TCC poll found many wealth managers hold only partial evidence of ongoing advice reviews. This looks at what the FCA expects firms to have on file before it revisits…
- [Webinar Recap: Understanding the Consumer Duty’s outcomes](https://tcc.group/insights/regulatory-horizon/webinar-consumer-duty-good-outcomes/): Catch up on TCC's Consumer Duty webinar recap covering FCA supervision, embedded compliance checks and data expectations, and use these three key preparations to strengthen your firm's approach ahead of…
- [What firms should take from the FCA’s latest portfolio strategy letter](https://tcc.group/insights/analysis-perspectives/tcc-explores-fca-portfolio-strategy-letter-7-october-2024/): TCC's Technical Director David Boyhan examines the FCA's October 2024 portfolio strategy letter for financial advisers and investment intermediaries, highlighting why firms should prioritise due diligence of their back books.
- [What risks remain for firms following the FCA’s ongoing advice review findings?](https://tcc.group/insights/analysis-perspectives/risks-remaining-following-fca-advice/): TCC's regulatory experts discussed the FCA's ongoing advice review findings in a dedicated webinar, covering evidencing standards, review quality, chronology and disengagement strategies that wealth management firms should address without…
- [What should firms do about disengaged clients?](https://tcc.group/insights/analysis-perspectives/how-to-manage-disengaged-ongoing-advice-clients-q2/): Learn how advice firms should manage disengaged clients under the FCA's ongoing advice review, and understand the data, disengagement policies, and redress steps required.
- [What the FCA motor finance redress scheme update means for lenders](https://tcc.group/insights/regulatory-horizon/what-the-fca-motor-finance-redress-scheme-update-means-for-lenders/): Understand what the FCA's latest motor finance redress update means for lenders, including the four legal challenges now underway, and why firms should keep preparing data and complaint-handling capability regardless…
- [What the FCA’s 2026 Regulatory Priorities reports reveal about the direction of supervision](https://tcc.group/insights/regulatory-horizon/what-the-fcas-2026-regulatory-priorities-reports-reveal-about-the-direction-of-supervision/): See what the FCA's nine 2026 Regulatory Priorities reports reveal across insurance, pensions, banking and more, and learn why boards should treat them as an evidence-based action agenda rather than…
- [What the FCA’s latest ongoing advice focus means for firms](https://tcc.group/insights/regulatory-horizon/what-the-fcas-latest-ongoing-advice-focus-means-for-firms/): Learn why the FCA is shifting ongoing advice from process-led delivery to evidencing genuine outcomes, what CP26/10's proposed changes to annual suitability reviews mean, and how to respond to disengaged…
- [What the FCA’s new motor finance redress scheme means for you](https://tcc.group/insights/analysis-perspectives/what-the-fcas-new-motor-finance-redress-scheme-means-for-you/): Get the key findings from TCC's motor finance redress webinar with Momenta and Recordsure, including live poll results, the FCA's £2.8 billion cost estimate, and why early preparation of data…
- [What the FCA’s Pensions Regulatory Priorities report means for pensions providers](https://tcc.group/insights/regulatory-horizon/what-the-fcas-pensions-regulatory-priorities-report-means-for-pensions-providers/): Discover the key priorities in the FCA's Pensions Regulatory Priorities report, from value-for-money reforms to modernising legacy products, and see what pensions providers need to do now to evidence good…
- [What the FCA’s Regulatory Priorities report means for consumer investment firms](https://tcc.group/insights/regulatory-horizon/what-the-fcas-regulatory-priorities-report-means-for-consumer-investment-firms/): Understand the FCA’s first Regulatory Priorities report for consumer investments, its four strategic priorities, and the concrete governance, fair value and outcomes-monitoring actions your firm should take before supervisory attention…
- [Why ‘simple’ redress schemes require strategic planning](https://tcc.group/insights/regulatory-horizon/why-simple-redress-schemes-require-strategic-planning/): Discover why the FCA's proposed motor finance redress scheme demands more than a simple calculation, and how strategic planning, data readiness and the right blend of technology and human oversight…
- [Why a holistic approach is the future for advisers and wealth managers](https://tcc.group/insights/analysis-perspectives/why-a-holistic-approach-is-the-future-for-advisers-and-wealth-managers/): Discover why the Wealth and Asset Management 4.0 study points advisers toward a holistic, stage-of-life approach to advice, and what building client-centric culture, compliance and digital capability actually requires.
- [Why firms need to be challenging themselves on price and value](https://tcc.group/insights/analysis-perspectives/why-firms-need-to-be-challenging-themselves-on-price-and-value/): Read TCC’s take on why half of firms still haven’t changed their fee models since Consumer Duty, and get practical pointers for aligning your charging structure with the FCA’s fair…
- [Why firms need to prove customer outcomes not just report them](https://tcc.group/insights/analysis-perspectives/why-firms-need-to-prove-customer-outcomes-not-just-report-them/): The FCA’s latest review of outcomes monitoring reinforces that Consumer Duty compliance is about more than producing management information (MI). Firms must be able to demonstrate how they identify customer…
- [Why growth without rigour is the biggest risk in advice consolidation](https://tcc.group/insights/regulatory-horizon/why-growth-without-rigour-is-the-biggest-risk-in-advice-consolidation/): Learn why scale alone no longer impresses in advice consolidation, and how rigorous due diligence, integration planning and governance protect value as the FCA sharpens scrutiny of growing groups.
- [Why it’s time to rethink your approach to ongoing advice services](https://tcc.group/insights/analysis-perspectives/ongoing-advice-approach/): Ongoing advice is no longer something firms can manage quietly. This sets out what the FCA's reviews have found so far and how firms can evidence delivery and prepare for…
- [Why most consolidation strategies succeed or fail at integration](https://tcc.group/insights/analysis-perspectives/why-most-consolidation-strategies-succeed-or-fail-at-integration/): Understand why integration, not the acquisition itself, determines whether consolidation strategies succeed, and what early planning, cultural alignment, governance evolution and investment in people and capacity require of consolidators.
- [Why no loss doesn’t mean no risk in today’s redress market](https://tcc.group/insights/regulatory-horizon/why-no-loss-doesnt-mean-no-risk-in-todays-redress-market/): Discover why ‘no loss’ redress outcomes don’t remove risk, and how firms are using scenario testing and prioritised due diligence to manage DB transfer exposure through market cycles.
- [Why no-loss outcomes still signal risk in defined benefit transfer redress](https://tcc.group/insights/regulatory-horizon/why-no-loss-outcomes-still-signal-risk-in-defined-benefit-transfer-redress/): Rising gilt yields have turned many defined benefit transfer cases into no-loss results, but that outcome can shift again. Learn why methodology, data quality and market sensitivity still matter for…
- [Why ongoing advice is facing a regulatory reset](https://tcc.group/insights/regulatory-horizon/why-ongoing-advice-is-facing-a-regulatory-reset/): See why the FCA's new regulatory priorities push ongoing advice into an evidencing phase, and what firms need to demonstrate about fair value, client engagement and outcomes to withstand closer…
- [Why traditional resourcing models are quietly undermining firms](https://tcc.group/insights/regulatory-horizon/why-traditional-resourcing-models-are-quietly-undermining-financial-services-firms/): Understand why static, peak-capacity staffing models are straining financial services firms under today's regulatory pressure, and how a leaner permanent core paired with flexible specialist capacity keeps delivery and compliance…
- [Why you need supercharged risk management](https://tcc.group/insights/analysis-perspectives/why-you-need-supercharged-risk-management/): Find out why James Marshall argues firms should aim to exceed, not merely meet, the FCA's expectations on risk management, and what that ambition means for building genuinely resilient compliance…
- [Will Value for Money assessments change how advisers compare pension providers?](https://tcc.group/insights/regulatory-horizon/will-value-for-money-assessments-change-how-advisers-compare-pension-providers/): The FCA's proposed Value for Money (VFM) Framework could reshape how workplace pension schemes are assessed, introducing greater transparency, benchmarking and scrutiny by measuring value across investment performance, service quality,…
- [Women in Governance, Risk and Compliance: meet TCC and Recordsure’s Joanne Smith](https://tcc.group/insights/regulatory-horizon/women-in-grc-meet-joanne-smith/): Meet Joanne Smith, founder of TCC Group and Recordsure, ahead of judging the Women in GRC Awards 2022, and discover the RegTech milestones behind her three decades in financial services…
- [Your four-point plan for successful British Steel pensions redress](https://tcc.group/insights/regulatory-horizon/four-point-plan-british-steel-pension-redresssion/): With the British Steel Pension Scheme (BSPS) redress programme underway, firms face strict deadlines and high financial stakes. Discover a crucial four-point plan to execute reviews, gather data, and manage…

## People

- [Joanne Smith](https://tcc.group/meet-the-team/joanne-smith/): Founder of TCC Group, Joanne has spent more than three decades helping firms navigate complex regulatory and compliance challenges.
- [Joe Norburn](https://tcc.group/meet-the-team/joe-norburn/): Joe leads TCC Group and Recordsure, bringing extensive experience from senior leadership roles across financial services, banking and technology-enabled businesses.
- [Garry Evans](https://tcc.group/meet-the-team/garry-evans/): Garry oversees commercial strategy, product innovation and business growth across the Group.
- [Chris Matthews](https://tcc.group/meet-the-team/chris-matthews/): Chris leads technology operations, information security and digital transformation across the Group.
- [Kit Ruparel](https://tcc.group/meet-the-team/kit-ruparel/): Kit drives the development of TCC Group's technology strategy and engineering capability.
- [Beverley Metcalfe](https://tcc.group/meet-the-team/beverley-metcalfe/): Beverley leads strategic programme delivery across TCC, bringing extensive experience of large-scale remediation, transformation and operational initiatives within regulated businesses.
- [Anthony Harkess](https://tcc.group/meet-the-team/anthony-harkess/): Anthony works closely with clients to identify and deliver specialist resource and project solutions.
- [Jason Wintie](https://tcc.group/meet-the-team/jason-wintie/): Jason leads TCC's advisory practice, helping firms address regulatory obligations, governance requirements and conduct-related challenges.
- [Judith Wright](https://tcc.group/meet-the-team/judith-wright/): Judith is a highly experienced compliance specialist whose expertise spans investments, pensions, mortgages, supervision and regulatory oversight.
- [Neil Dethick](https://tcc.group/meet-the-team/neil-dethick/): Neil brings more than 25 years of financial services experience, specialising in remediation, redress, regulatory compliance and operational improvement programmes.
- [Harry Eastwood](https://tcc.group/meet-the-team/harry-eastwood/): A Fellow of the Institute and Faculty of Actuaries, Harry advises clients on actuarial matters, redress programmes and complex remediation projects.
- [Fida Dar](https://tcc.group/meet-the-team/fida-dar/): Fida supports the delivery of client programmes and operational services, helping ensure projects are delivered efficiently and to the highest standards.
- [Sam Majumdar](https://tcc.group/meet-the-team/sam-majumdar/): Sam has extensive experience supporting remediation, conduct risk, regulatory review and transformation programmes across financial services.
- [Jana Robinson](https://tcc.group/meet-the-team/jana-robinson/): Jana helps clients access specialist regulatory and operational expertise by matching experienced professionals to complex programme requirements.
- [Victoria Mansbridge](https://tcc.group/meet-the-team/victoria-mansbridge/): Victoria leads sales operations and commercial support functions across the Group, helping ensure clients receive a seamless experience.
- [Richard Lee](https://tcc.group/meet-the-team/richard-lee/): Richard works with clients to identify how technology-enabled solutions can support compliance, governance and customer outcome objectives.
- [Hana Shackleton](https://tcc.group/meet-the-team/hana-shackleton/): Hana leads the Group's marketing strategy, brand development, digital presence and thought leadership programmes.
- [Rebecca Swiffen](https://tcc.group/meet-the-team/rebecca-swiffen/): Rebecca leads the people strategy across the Group, helping attract, develop and retain talented individuals.
- [Diane Turner](https://tcc.group/meet-the-team/diane-turner/): Diane is Senior Campaign and Design Marketing Manager at TCC Group, contributing to the Group's thought leadership and editorial programme.
- [May York](https://tcc.group/meet-the-team/may-york/): May is Marketing and Content Executive at TCC Group, contributing to the Group's thought leadership and editorial programme.



## Canonical collections

- [Case studies](https://tcc.group/case-studies/): From FCA-directed reviews to large-scale remediation programmes — real engagements, documented outcomes, across every major regulated sector.

- [Insights](https://tcc.group/insights/)

- [Careers](https://tcc.group/careers/)

- [Meet the team](https://tcc.group/meet-the-team/): Our people combine decades of experience across regulatory compliance, risk, governance, remediation, redress, operations, technology and business transformation. Many have held senior positions within regulated firms, professional services and the…

- [Analysis & Perspectives](https://tcc.group/insights/analysis-perspectives/)

- [Regulatory Horizon](https://tcc.group/insights/regulatory-horizon/)

- [White Papers & Guides](https://tcc.group/insights/white-papers-guides/)

- [Press releases](https://tcc.group/insights/press-releases/)