Motor-finance, retail-finance and other credit brokers run CONC monitoring, financial-promotion approvals, disclosure evidence and SM&CR people records from one platform — with the audit trail the FCA expects.
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E6 dedicated CMP chapter
Maker-checker approval built in
A8 chapter + 13-section board report
Promotions, pre-contract disclosure, commission, status, the Duty — the FCA doesn’t ask whether your customers were told. It asks you to prove it, and the burden of proof sits with the broker.
The motor-finance commission story has put brokers’ disclosure practice at the top of the FCA’s agenda. CONC 4.5 expects commission disclosed where it matters — and the file to show it was.
Aggregator listings, dealer point-of-sale material, promotions passed down an introducer chain — your name sits on the CONC 3 approval either way. When the FCA asks who signed off the representative APR — and when — an email chain is not a register.
Promotions, complaints, breaches and gifts scattered across files nobody reconciles. For a broker whose whole business is distribution, one stale version emailed around is how the audit trail quietly breaks.
Broker, not lender — independent or tied — the extent of your market coverage. CONC 3 and 4 expect it stated clearly and consistently, and across websites, aggregators and showrooms the wording quietly drifts.
As a distributor, the annual Consumer Duty board report is a standing obligation, not a one-off. Assembling it each year from scattered MI and inboxes is a quarter’s work — and it shows.
Policy statements, consultations and Handbook changes land weekly across 13 UK regulators — and the motor-finance redress story is rewriting broking obligations in real time. Missing the one that rewrites yours is how firms fall behind.
Named chapters, registers, forms and filters for firms whose obligations live in CONC 3 and 4, the CCA and the Consumer Duty — the broker’s side of the credit chain.
E6 Consumer Credit — Lending & Broking puts 15 sector-specific checks into your monitoring plan — financial promotions, pre-contract information, status and commission disclosure, conduct and the CCA obligations that sit behind them. All inside the 1,139-template library.
The broker’s core control, built as a register variant for the CONC regime: every promotion — website, aggregator listing, showroom material — logged, put through maker-checker approval before it runs, and closed with a timestamped audit trail. “Who approved this, and when?” is one filter away.
A dedicated CONC attestation form tests your broking arrangements directly against the Handbook — a guided question set covering promotions, disclosure and conduct, with evidence attached and sign-off recorded.
SM&CR applies to broking firms like every other authorised firm. People Compliance holds your Senior Manager records, fit & proper assessments and training & CPD logs — each person’s regulatory file complete and producible.
Regulatory Intelligence carries a dedicated Consumer Credit sector filter, keyword-mapped to CONC, motor finance and BNPL — so the commission-redress story surfaces as it develops, and Otto scores each item’s relevance to your firm across the 13-regulator feed.
Brokers carry the Duty as distributors: the A8 Consumer Duty chapter puts it into your monitoring plan, and the Consumer Duty module turns the four outcomes into scored assessments and a 13-section annual board report — distribution is exactly where the FCA is looking.
The E6 Consumer Credit — Lending & Broking chapter lands in your programme complete — checks, owners, cadences and regulatory references — with the fin-prom register and attestations broking firms run alongside.
The E6 Consumer Credit — Lending & Broking chapter — anchored to CONC 2–8 and 10 and the CCA 1974 — covering promotions, disclosure and conduct on the broking side.
74 regulation-anchored categories, including deep-dives on financial promotions (A12) and the Consumer Duty (A8).
The financial-promotions register in its CONC variant — maker-checker approval before anything runs, every decision timestamped.
The CONC attestation form with guidance in-form and sign-off recorded — declarations you can produce, not reconstruct.
The head-of-compliance landing surface. Live KPI tiles for open, closed and overdue tasks, completion and approval rates, an overall Health Score, RAG summary and monthly trends — every tile a one-click drill-down to the records underneath.
1,139 expert-built monitoring checks across 74 regulation-anchored categories — including the E6 Consumer Credit — Lending & Broking chapter and deep-dive chapters on financial promotions and the Consumer Duty. Each template ships with a regulatory reference chain and plain-English guidance that pre-populates in-form.
Every formal declaration, completed and signed off in-platform. The CONC attestation form with the FCA Principles individually ticked and a maker-checker approval workflow — the form can’t be submitted until every obligation is signed off.
Every event your firm has to record, in one tracker. Financial promotions in their CONC variant — the broker’s busiest register — plus complaints, breaches, gifts & entertainment and conflicts, with status chips, named owners, due dates and the same maker-checker approval workflow throughout.
Brokers carry the Duty as distributors — consumer understanding, fair value across the distribution chain and evidence of good outcomes. The Consumer Duty module turns PRIN 2A into scored assessments, live registers and a 13-section annual board report.
The four outcomes, cross-cutting rules and wider areas — each scored against FCA expectations with a named owner and evidence, plus 54 questions per product.
Otto drafts all 13 sections of the annual board report from your attested data, flagging Urgent Board Actions as she goes. Humans own the sign-off.
Complaints, trigger events, adverse outcomes, root-cause analysis and vulnerability — each linked to named owners and attached evidence.
The A8 Consumer Duty chapter drops Duty checks straight into the Compliance Monitoring Hub — the Duty monitored on a cadence, not remembered in Q1.
A 30-second status check for the whole firm: a Consumer Duty Health donut, the four-outcome performance radar against your own thresholds, the cross-cutting rules, the in-scope products & services register and quarter-on-quarter trend — every PRIN 2A obligation, one screen.
The full Consumer Duty assessment, chapter by chapter: the four outcomes, the cross-cutting rules and the wider areas — governance, monitoring, complaints, foreseeable harm and vulnerable customers — each scored against FCA expectations with a named owner and evidence. For a broker, this is where distribution practice meets the Duty.
Every Consumer Duty register in one place: Complaints, Monthly MI, Trigger Events, Adverse Outcomes, Root Cause Analysis, Vulnerability, KPI Thresholds and the Gap Register — each linked to named owners and attached evidence, year-on-year traceable.
SM&CR applies to credit brokers like every other authorised firm. People Compliance keeps Senior Manager records, fit & proper assessments and training & CPD in one place — complete and producible when the FCA asks.
Every SMF holder recorded with their role and responsibilities — who is accountable for what, documented rather than assumed.
Fitness and propriety assessed and recorded per person, with sign-off — not a certificate reconstructed the week before a visit.
Training and CPD logged per person with dates and evidence attached — competence you can demonstrate across the whole broking team.
Each person’s regulatory file — role, assessments, training — in one place, ready to hand over rather than assemble.
The firm’s people at a glance: roles, assessment status and training records on one screen — so the state of your SM&CR arrangements is a look, not an exercise.
Fitness and propriety assessed person by person, with the assessment and sign-off recorded — the F&P evidence the SM&CR regime expects a broking firm to hold.
Training and CPD logged per person, dated and evidence-attached — team competence you can demonstrate to the regulator, not just assert.
Otto is the platform’s built-in compliance advisor, grounded in 150+ expert-authored documents. She reads your live monitoring, register and Consumer Duty records — not a generic handbook summary — and drafts the reports the regulator expects to see.
Your year’s monitoring drafted from live data, citing CONC among its 13 regulatory anchors — broking coverage, findings and remediation, section by section.
All 13 sections of the annual board report drafted from your attested Duty data — the distributor’s standing obligation — with Urgent Board Actions flagged as she goes.
What CONC 3 expects of a broker’s promotion, how commission disclosure works under CONC 4.5, where your own registers stand — answered against your live firm data.
Ask Otto to draft or refresh your firm’s policies in Policy Studio — drafted to your firm, then you review, refine and operationalise.
AI drafts, humans decide — nothing is auto-submitted, and every fact traces to your live firm data.
Three ways to run credit-broking compliance. Only one produces evidence the FCA can inspect — on the day they ask for it.
What a broking firm’s owner-director or compliance lead wants to know about platform-grade CONC compliance on the distribution side.
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