Funeral plan providers and intermediaries run FPCOBS monitoring, financial-promotion approvals and SM&CR people-compliance from one platform — with the evidence trail the FCA’s newest retail perimeter demands.
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Maker-checker approval built in
Tested against the FCA Handbook
74 categories across 8 regulators
Funeral plans have been FCA-regulated since 2022 — and the FCA asks the newest firms the same question it asks the oldest: prove it. The burden of evidence sits with the firm.
Habits formed before the FCA drew funeral plans inside its perimeter — informal sign-offs, paper files, verbal approvals — don’t meet the evidence standard an authorised firm is now held to.
A plan promotion goes out; the approval lives in someone’s inbox. When the FCA asks who signed it off under FPCOBS — and when — the trail has to exist.
DISP assumes a controlled process — every complaint recorded, tracked to resolution and root-caused. An inbox and a spreadsheet nobody reconciles is neither.
SM&CR applies to all FCA-authorised firms — funeral plan providers included. If SMF records, fit-and-proper assessments and training logs live in scattered folders, the regime exists on paper only.
A policy pack drafted at authorisation and untouched since proves the opposite of what it should — unless each commitment inside it became a task somebody owns and evidences.
Policy statements, consultations and Handbook changes land weekly across 13 UK regulators — and a young regime changes fastest. Missing the one that rewrites your obligations is how firms fall behind.
A financial-promotion register and a specialist attestation built for FPCOBS, on top of the monitoring backbone every authorised firm needs — named, not implied.
A register variant built for the FPCOBS regime: every promotion logged, put through maker-checker approval before it runs, and closed with a timestamped audit trail — so “who approved this, and when?” is one filter away.
A specialist attestation form tests your arrangements directly against the Handbook — a guided question set with evidence attached and sign-off recorded, so the declaration is produced, not reconstructed.
The A-prefix chapters of the 1,139-template library carry the obligations every authorised firm shares — financial promotions (A12, around 15 checks), complaints and DISP (A15) and SM&CR (A6) — each check with an owner, a cadence and a regulatory reference, ready on day one.
SM&CR applies to every FCA-authorised firm — funeral plan providers included. People Compliance holds SMF records, the full FCA Form A Section 5 fit-and-proper assessment with an exportable certificate, and CPD hours logged against an annual target.
Regulatory Intelligence monitors 13 UK regulators in one hourly feed, and Otto scores each item’s relevance to your firm — while Policy Studio drafts, reviews and operationalises the policies underneath, from 74 FCA-grade templates.
The register variant and attestation form built for the FPCOBS regime sit inside the Hub — alongside the A-backbone monitoring plan, the complaints register and the audit trail that closes every record.
The financial-promotions register in its FPCOBS variant — maker-checker approval before anything runs, every decision timestamped.
The Funeral Plans (FPCOBS) form tests your arrangements against the Handbook, with guidance in-form and sign-off recorded — a declaration you produce, not reconstruct.
74 regulation-anchored categories, including the A-backbone chapters on financial promotions (A12), complaints and DISP (A15) and SM&CR (A6).
Complaints, breaches, gifts & entertainment and conflicts logged with named owners, due dates and approval status — every record closed with an audit trail.
Every formal declaration, completed and signed off in-platform. Specialist attestation forms — including the Funeral Plans (FPCOBS) 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.
The compliance lead’s 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.
Every event your firm has to record, in one tracker. Financial promotions in their FPCOBS variant, complaints, breaches, gifts & entertainment and conflicts — status chips, named owners, due dates and the same maker-checker approval workflow throughout.
The Senior Managers & Certification Regime covers every FCA-authorised firm — funeral plan providers included. One module holds the records, assessments and training files it expects to see.
Senior managers, certified persons and other staff on one register — with fit-and-proper and due-diligence status flagged on the dashboard.
The full FCA Form A Section 5 assessment as a five-node wizard, with a RAG declaration summary and a one-click exportable F&P certificate.
Structured and unstructured CPD hours against an annual target, with a full activity log — competence that stays current and provable.
The SM&CR chapter of the monitoring library puts the regime’s recurring checks into your programme — owned, scheduled and evidenced.
Your whole regulated population on one screen. KPI tiles for Total People, Senior Managers, Certified Persons, Other Staff, F&P Outstanding and DD Outstanding, over a full People Records register — name, job title, role type and date added, with any row one click from its inline editor.
The full FCA Form A Section 5 Fit & Proper assessment, live: a five-node wizard across Criminal · Civil · Business · Regulatory · Other, with a RAG Declaration Summary and a one-click Export F&P Certificate — the evidence behind every senior manager, on file.
Continuing Professional Development, evidenced. Structured and unstructured CPD hours against an annual target, a completion ring and a full activity log — course, type, hours, date and comments — so every person’s competence stays current and provable at the next supervisory check.
74 FCA-grade templates, an Otto-powered editor, and the step most firms miss — operationalisation, where every commitment a policy makes becomes a task somebody owns.
Colour-coded categories spanning AML, data protection, SM&CR and financial crime — fully extensible: upload your own and it surfaces in the picker.
Add Sections, Review Content — a numeric score out of 10 with actionable improvements — and Rewrite Document. Regulation-cited, British English.
Otto reads the approved policy and extracts every actionable commitment into suggested tasks — each with a page reference, a frequency and a category.
A task register, a calendar of what’s due, due-date reminders, and findings and evidence logged against every task — the policy provably at work.
74 FCA-grade templates across 10 colour-coded categories — AML, data protection, SM&CR, financial crime and more — plus a second 21-code subject-matter taxonomy. Fully extensible: upload your own via Setup and it surfaces in the picker like any vendor template.
Three distinct Otto actions at the top of every document: Add Sections (with a two-step coverage check to avoid duplication), Review Content (a numeric score out of 10 with three actionable improvement suggestions) and Rewrite Document. Publication-grade drafts, regulation-cited, British English.
The signature step: Otto reads the approved policy, extracts every actionable commitment and suggests tasks with a page reference back to the source paragraph, a frequency and a category. Accept, reject or edit — then track each task to completion with a register, calendar, reminders and evidence.
Otto is the platform’s built-in compliance advisor, grounded in 150+ expert-authored documents. She reads your live monitoring, promotion and people-compliance records — not a generic handbook summary — and drafts the reports the regulator expects to see.
Your year’s monitoring drafted from live data, citing 13 regulatory anchors — coverage, findings and remediation, section by section, ready for the board.
In Policy Studio, Otto adds sections, reviews content with a scored critique and rewrites whole documents — regulation-cited drafts in British English.
Otto reads every item in the 13-regulator feed against your firm’s profile and scores its relevance — the FPCOBS change that matters surfaces first.
Ask about your own promotions posture and Otto answers from your live records — which approvals are outstanding, where the file is thin, what closes the gap.
AI drafts, humans decide — nothing is auto-submitted, and every fact traces to your live firm data.
Three ways to run FPCOBS compliance. Only one produces evidence the FCA can inspect — on the day they ask for it.
What a funeral plan provider’s owner or compliance lead wants to know about platform-grade FPCOBS compliance.
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