Brokers, lenders and later-life advisers run MCOB monitoring, adviser competence and Consumer Duty evidence from one platform — with the audit trail the FCA expects.
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E8 dedicated CMP chapter
Every check carries its rule reference
13 regulators, keyword-mapped to MCOB
Advice standards, disclosure, adviser competence, customer outcomes — MCOB assumes the file speaks for itself, and the burden of proof sits with the firm.
When the FCA opens a file, “the recommendation was right for them” isn’t enough — MCOB 4.7A expects the record to show why, customer by customer, case by case.
Equity release and lifetime mortgages carry the MCOB 8 standards — and sustained supervisory attention. A recommendation with no recorded reasoning is exactly what reviews keep finding.
CPD certificates in inboxes, fit-&-proper checks in HR folders, T&C records in a spreadsheet last opened at the annual review. The TC sourcebook assumes competence you can evidence on demand.
The Consumer Duty demands an annual board report on customer outcomes. Assembling one from spreadsheets, inboxes and memory takes weeks — and shows.
DISP sets deadlines, record-keeping duties and root-cause expectations. A complaints log that lives in email threads can’t evidence any of them.
Policy statements, consultations and Handbook changes land weekly across 13 UK regulators. Missing the one that rewrites your obligations is how firms fall behind.
A named chapter, sector filters, adviser records and board evidence for firms whose obligations live in MCOB, the MCD and the Consumer Duty.
E8 Mortgage & Home Finance puts 15 sector-specific checks into your monitoring plan — advice and execution standards, disclosure, arrears and equity release — anchored to MCOB 1–13, the Mortgage Credit Directive and MIPRU 4. Financial promotions are monitored through the E8 checks and the A12 Financial Promotions deep-dive chapter, around 15 checks of its own. All inside the 1,139-template library.
Regulatory Intelligence carries a dedicated Mortgage sector filter, keyword-mapped to MCOB — equity release, buy-to-let and second-charge included — and Otto scores each item’s relevance to your firm across the 13-regulator hourly feed.
Mortgage brokers and lenders sit squarely in scope of PRIN 2A. The A8 deep-dive chapter puts Duty checks into your monitoring plan, the four-outcome assessment scores your firm against FCA expectations, and Otto drafts the 29-page annual board report — 13 sections plus Sign-Off and Challenge Record — from your live data.
People Compliance holds every adviser’s record in one place — Statements of Responsibilities mapped to the FCA template, fit-&-proper assessments, and CPD hours logged against an annual target with a full activity log. Competence you can prove at the next supervisory check.
The Hub’s register suite logs complaints against DISP and breaches under SUP 15.3 — alongside gifts & entertainment and conflicts — with status chips, named owners, due dates and maker-checker approval throughout.
The E8 Mortgage & Home Finance chapter lands in your programme complete — checks, owners, cadences and rule references — with the registers and attestations mortgage firms run alongside.
E8 Mortgage & Home Finance — advice and execution standards, disclosure, arrears and equity release, anchored to MCOB 1–13, the MCD and MIPRU 4.
74 regulation-anchored categories, including deep-dive chapters on financial promotions (A12) and the Consumer Duty (A8).
Complaints logged against DISP and breaches under SUP 15.3 — status chips, named owners, due dates and maker-checker approval throughout.
Guided attestation forms with the FCA Principles individually ticked 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 E8 Mortgage & Home Finance 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. Guided attestation forms 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. Complaints against DISP, breaches under SUP 15.3, gifts & entertainment and conflicts — status chips, named owners, due dates and the same maker-checker approval workflow throughout.
Mortgage intermediaries and lenders sit squarely in scope of PRIN 2A — the four outcomes assessed, monitored and board-reported without a consultant-built spreadsheet.
Products & Services, Price & Value, Consumer Understanding and Consumer Support — each scored against FCA expectations with a named owner and evidence.
Complaints, Trigger Events, Adverse Outcomes, Root Cause Analysis, Vulnerability and the Gap Register — each linked to named owners and attached evidence.
Vulnerable-customer treatment, fair-value reviews and outcome testing as evidenced tasks — each with a frequency, a named owner and a findings history.
Otto drafts the PRIN 2A annual board report from your live data — 13 sections plus Sign-Off and Challenge Record, ready to review, sign and export.
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 a mortgage firm carries, one screen.
The full Consumer Duty assessment, chapter by chapter: the four outcomes, the cross-cutting rules, and the wider areas — governance, monitoring, complaints, third parties, foreseeable harm and vulnerable customers — each scored against FCA expectations with a named owner and evidence. For a broker, the vulnerable-customer and consumer-understanding chapters carry the weight.
The 29-page PRIN 2A Annual Board Report drafted by Otto from your live data in seconds. An executive summary and an overall Consumer Duty health score, 13 sections plus Sign-Off and Challenge Record. Review, sign, export — board-ready, supervisor-ready.
Mortgage advice stands or falls on the person giving it. SM&CR records, CPD hours and fit-&-proper assessments for every adviser — current, evidenced and retrievable.
Senior Managers, Certified Persons and other staff in one register — with KPI tiles flagging outstanding fit-&-proper and due-diligence work.
SoRs mapped to the FCA template — Prescribed Responsibilities, Overall Responsibility and Other Responsibilities, each assignable and recorded for the SM&CR audit trail.
Structured and unstructured CPD hours against an annual target, with a completion ring and a full activity log — course, type, hours, date.
F&P assessments recorded per person with outstanding items flagged on the dashboard — the evidence behind every adviser’s authority to advise.
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 — every adviser’s file one click away.
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 adviser’s competence stays current and provable at the next supervisory check.
Every SMF record is six tabs deep: Details · Statement of Responsibilities · Fit & Proper · Due Diligence · CPD · CMP Form Access Control. The SoR maps to the FCA template — Prescribed Responsibilities, Overall Responsibility and Other Responsibilities — each one assignable and recorded for the SM&CR audit trail.
Otto is the platform’s built-in compliance advisor, grounded in 150+ expert-authored documents. She reads your live monitoring, Consumer Duty and people records — not a generic handbook summary — and drafts the reports the regulator expects to see.
Your year’s monitoring drafted from live data, citing MCOB among its 13 regulatory anchors — coverage, findings and remediation, section by section.
The 29-page PRIN 2A annual board report drafted from your live Duty records — 13 sections plus Sign-Off and Challenge Record, ready for review.
Policy Studio puts Otto behind your firm’s policy suite — drafted, reviewed and operationalised, from first draft to a document your team attests against.
Ask about your MCOB obligations and Otto answers from your live records — which checks are overdue, 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 MCOB compliance. Only one produces evidence the FCA can inspect — on the day they ask for it.
What a broker principal or a home-finance compliance lead wants to know about platform-grade MCOB compliance.
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