FCA Compliance Is Getting Risky in Banking 2025
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In retail banking, a single word can create real risk — not just fines, but reputational damage. And when you're producing hundreds of promotions every month, even one oversight can unravel trust built over years.
The FCA intervened in 19,766 promotions in 2023 — nearly double the number from the year before.
Your marketing moves fast. But in a high-stakes regulatory environment, compliance has to move smarter.
The Real Risk Behind Manual Compliance
From ISA campaigns and credit cards to in-app banners and branch posters, every promotion is a regulated communication.
Yet most retail banks still rely on manual reviews: Word docs, PDFs, email threads.
These tools weren’t built for the volume, complexity, or scrutiny today’s banks face.
Manual reviews don’t just slow you down. They expose your brand to unnecessary risk.
Reputation Matters. So Does Control.
In the eyes of regulators, “we missed it” isn’t an excuse. And in the eyes of customers, trust lost is rarely regained.
Consumer Duty has raised the bar. You’re now expected to prove your promotions are fair, clear, and not misleading — every time.
That’s not just about compliance. That’s about credibility, trust, and long-term brand value.
What Robust Compliance Needs in 2025
Modern marketing requires a different kind of compliance support — one that is:
- Proactive, not reactive
- Embedded into workflows, not siloed in documents
- Consistent, not dependent on who's reviewing
- Traceable, so every decision is defensible
And above all, it needs to scale — without compromising judgement or brand voice.
That’s where a new generation of tools is stepping in.
Meet Finspector: Your AI-Powered Solution
Finspector is built from the ground up for financial promotions — trained for FCA guidance and
Here’s what you gain:
- Fewer regulatory breaches – Spot and fix issues before regulators do
- More consistent compliance – Every reviewer applies the same high standard
- Clear documentation – Full traceability for audits, approvals, and decisions
- Smarter alignment with Consumer Duty – Show your commitment to fair outcomes
- Faster signoffs – Because accurate doesn’t have to mean slow
Compliance isn’t just about avoiding fines. It’s how you prove your values in every communication.
AI in Compliance Is Already Here
According to the Bank of England, 75% of UK financial firms already use AI — and it’s no longer just for fraud or chatbots.
The frontier now? Governance. Control. Auditability.
That’s where Finspector fits in — a smarter layer of protection, built for high-trust industries.
If your compliance team is still relying on PDFs and email chains, your marketing isn’t just at risk — your reputation is.
Finspector helps you stay ahead of the FCA, protect your brand, and empower your teams with tools that make compliance clear, consistent, and complete.
👀 Want to see how it works?
Want to see how your current review process stacks up?
Send us a promotion — we’ll run it through Finspector and show you what gets flagged.
Book a demo and let’s chat!
