Meet every PRIN 2A obligation. Prove every one in a few clicks. The FCA-ready Annual Board Report drafted from your live record in 60 seconds.
Trusted by 250+ UK-regulated firms · Built by compliance professionals, for compliance professionals.
Book a Consultation
“Our last Consumer Duty Board Report took eight weeks and a consultant. Otto drafts it from our live record and the board signs it off the same afternoon.”
The FCA's December 2024 Multi-Firm Review named the same six gaps in firm after firm — board challenge, MI quality, vulnerability, fair value, consumer understanding and support journeys. Here's what the regulator flagged, and how the platform closes each by default.
If any of these findings land uncomfortably close to your firm, you’re exactly who we built the Consumer Duty Hub for.
Three things make it the OS, not a tool. Nine capabilities turn it into the audit-grade PRIN 2A.9 record the FCA's last two reviews said most firms lack. One module covering every Consumer Duty obligation — live, attested, year-locked, provable in a few clicks.
Most Consumer Duty tools are digital versions of the same year-end PDF. Consumer Duty Hub is built on three principles that change the maths entirely: who owns the answer, who sets the bar, and how long the record lasts.
The supervisory-grade division of labour the FCA wants to see. Humans own the input — 238 attestations, your MI, your evidence. Otto drafts the 29-page board report. Humans own the sign-off. Three architectural write-gates enforce the split.
A vulnerable-heavy firm can demand 95% on Consumer Support. A simple-product firm can keep all four outcomes at 85%. Every answer carries a published, consistent scoring rubric — your benchmark, evidenced, defensible to a supervisor.
Consumer Duty stops being a Q1 scramble. Attest as evidence arrives, MI lands monthly, Otto can produce an interim board report any time. When the year closes the data locks read-only — reproducible three years later when the auditor revisits.
Built for the audit trail PRIN 2A.9 was written for. Every capability ships in the module — no tier gate, no add-ons.
Every answer carries an initials chip showing who attested, when, and what changed. Click for the full diff history. The supervisory-grade chain from individual sign-off to board sign-off — visible end-to-end.
Named attestor · Year-lockedA paperclip beside every question. Upload once — file lands in your Drive AND the central Evidence Register AND links back to the question. Coverage RAG on the dashboard. Otto cites uploaded evidence by name.
Drive-native · Coverage RAGEvery closed year auto-locks into a permanent read-only snapshot. The 2026 board report you signed still looks identical in 2029 when the auditor revisits. Unlock with a reason — that's logged too.
Audit-grade · Calendar-lockedOtto drafts every section from your live record — section-by-section to FG22/5. Your attestations become evidenced narrative, real MI becomes real prose, vulnerable-customer outcomes are split out and cited. PDF, signable, in 60 seconds.
FG22/5-mapped · 60 secondsA 5-tab lightbox shows attestation changes, score deltas, gap movements, product changes and governance evolution. Otto's Executive Summary leads with what changed — automatically — so the board reads the deltas first.
5-tab diff · Auto-citedPoor outcomes — with or without a complaint attached — logged with detection source, root cause, customer count, £ detriment, remediation. Otto flags zero count as suspicious for any customer-facing firm. The under-detection check most firms don't realise they need.
8 detection sources · Systemic flagPricing change. New product. Personnel change. Regulatory letter. The 12 events that should prompt a CD reassessment — logged with date, owner, action and status. Cited by Otto in the Future Strategy section.
12 event types · Status workflow15 areas, 238 firm-level questions, plus 54 questions per product. Each attested by a named owner, scored against your bar, mapped to PRIN 2A and FG22/5. The depth the FCA expects — already structured, ready to answer.
15 areas · 54 per productThe FCA's December 2024 question — "show me outcomes for vulnerable customers versus the rest" — answered. Outcomes split, evidenced and reported by vulnerability flag. The analysis 180 firms couldn't produce, ready by default.
FG21/1 · Outcomes splitFour outcomes, three cross-cutting rules, every product line. 238 firm questions, 54 per product, all feeding Otto's 29-page Annual Board Report.
Affordable, modular monthly pricing · No tier gate. No add-ons. No setup fee.
A glimpse of the operating system the SMF16 works in every day. 238 firm-level questions, 54 per product, all 15 assessment areas — each attested by a named owner. MI, gaps, evidence, training and the Board Challenge Record feed Otto's 29-page Annual Board Report, mapped section-by-section to FG22/5. Click any tab to look inside.
A 30-second status check for the whole firm: Compliance Health donut, Outcome Performance radar against your own thresholds, 3LOD scoring, training completion and live gap and evidence registers — every PRIN 2A.9 obligation, one screen.
238 firm-level attestations and 54 per-product Fair Value questions — each with a named owner, signature, rationale and evidence link. FG22/5 chapter-for-chapter, year-on-year locked, audit-ready.
Every attestation is backed by Drive-attached evidence the regulator can drill into — minutes, MI, journey reviews, vulnerability data — tagged to the source FG22/5 question and lock-stamped at sign-off.
Every Consumer Duty register in one place: Gap Register, Adverse Outcomes log, Trigger Events log, Complaints and Root Cause Analysis history — each linked to named owners and Drive-attached evidence, year-on-year traceable.
Complaints volume, vulnerability share, fair value gaps, training completion, foreseeable-harm flags — benchmarked against your own thresholds, RAG-rated for the board, drillable to the underlying record.
Three-Lines-of-Defence reviews and First-Line QA scheduled and tracked end-to-end. Sample sizes, pass rates, breach themes and corrective actions — all evidenced for the supervisor.
The 29-page PRIN 2A.9 Annual Board Report drafted by Otto AI from your live data in 60 seconds. 13 sections plus Sign-Off and Challenge Record. Review, sign, export — board-ready, supervisor-ready.
Long compliance days, gentler on the eyes. A full dark mode across every Consumer Duty screen — same WCAG-compliant contrast, same audit accuracy, just easier to live in.
The same regulatory document the FCA asks for under PRIN 2A.9 — produced in 60 seconds, not eight weeks. 13 sections, named attestors, the Board Challenge Record the FCA's last two reviews said most firms lacked, and a year-end lock that makes 2026's report still reproducible in 2028.
Otto drafts all 13 sections of the PRIN 2A.9 annual report from your own firm’s data: attestations, MI, complaints, vulnerability outcomes, training, gaps. Each section is explicitly mapped to its FG22/5 chapter, so the supervisor can trace the regulatory origin of every claim.
Exactly the format the FCA expects: live and logged, not reconstructed. Every question raised by a board member or NED is captured with its challenger, its date, the concern, and whether management’s response resolved it.
| Challenger | Question raised | Raised | Status |
|---|---|---|---|
|
Charlotte Thompson
NED · Audit Committee Chair
|
How do we know the new closed-book drawdown product is still fair value 21 months after last FVA? | Mar 18, 2026 | Open |
|
Shivani Patel
SMF1 · CEO
|
Vulnerability outcome delta is +0.1. Is that within tolerance or do we need tailored action? | Feb 24, 2026 | Resolved |
|
Marcus Clarke
NED · Risk Committee
|
2LoD oversight sits at 90%. What’s blocking the last 10%, and when does it close? | Feb 11, 2026 | Resolved |
|
Jennifer Okafor
SMF2 · Chief Compliance
|
Consumer Understanding Section 6 relies on assumed clarity. Should we commission comprehension testing in Q3? | Jan 29, 2026 | Resolved |
PRIN 2A.9 demands clear accountability. Three roles sign: the CEO (SMF1), the Chair, and the senior compliance officer (SMF2). Once locked, the report is immutable and timestamped. If the FCA knocks in 2028, the 2026 report still opens, question-by-question identical.
Click once. Otto drafts all 13 sections of your PRIN 2A.9 Annual Board Report from your live record — board challenge, vulnerability, distribution oversight, fair-value evidence, action ownership — and hands you a signable PDF, trained on PRIN 2A, FG22/5, PROD 4, FG21/1 and PS22/9.
Otto does two things. She answers any PRIN 2A, FG22/5 or FG21/1 question — cited and handbook-grounded, in seconds. And she drafts all 13 sections of your 29-page board report from your attested data, flagging Urgent Board Actions as she goes.
“What does FG22/5 say about distribution chains?” “How should we evidence fair value for a closed-book product?” “What counts as good board challenge under the Dec 2024 review?” Otto answers from the handbook, FG22/5, PROD 4, and your live Consumer Duty Hub data, in seconds, with citations.
She drafts all 13 board report sections from your live Consumer Duty data, flags Urgent Board Actions, and answers any PRIN 2A question your team asks. See her draft your board report in a live demo.
From wealth managers to consultants: how firms are replacing the Consumer Duty scramble with a live, year-round record.
We used to dread the Consumer Duty annual board report. Five weeks of scrambling in Q1, pulling MI from three systems, stitching it into a narrative nobody trusted. Now it's a running record. Otto drafts the 29 pages from what we've attested all year. Our board got the cleanest CD paper they've ever seen, and I got my Januarys back.
We trialled Consumer Duty Hub and got a better-structured 29-page draft inside a fortnight. The Board Challenge Record alone is worth the subscription. That's the exact format the FCA flagged as missing in the Dec 2024 review.
Everything you need to know about Consumer Duty Hub, Otto's board report, and how it sits inside PRIN 2A.