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Dive into a collection of past posts and rediscover timeless content.

Editorial

+1

The Mills Review didn't change your obligations. It just found the evidence gap.

Jul 6, 2026

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5 min read

The Mills Review didn't change your obligations. It just found the evidence gap.

FCA publishes landmark review into impact of AI on retail financial services

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

+1

SM&CR is coming for crypto. Is your firm ready for 25 October 2027?

Jul 6, 2026

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6 min read

SM&CR is coming for crypto. Is your firm ready for 25 October 2027?

The FCA published its entire crypto rulebook, the Upper Tribunal froze motor finance redress, and the Consumer Duty is being narrowed. Here is what it means for your firm

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

 The Tribunal Hit Pause. The FCA Didn't.

Jul 3, 2026

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4 min read

The Tribunal Hit Pause. The FCA Didn't.

Five crypto policy statements went final and a redress scheme went on hold, but in both cases the FCA left the automated systems running

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The Cambridge Analytica Warning That UK Financial Services Has Not Heeded

Jun 29, 2026

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3 min read

The Cambridge Analytica Warning That UK Financial Services Has Not Heeded

AI is moving faster than accountability infrastructure in UK financial services. That gap has a name on it. Yours.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The FCA Just Put AI Accountability on a Deadline. Most UK Financial Services Firms Are Not Ready.

Jun 26, 2026

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5 min read

The FCA Just Put AI Accountability on a Deadline. Most UK Financial Services Firms Are Not Ready.

The FCA chief executive redefined what AI regulation means. The Mills Review lands in ten days. BNPL authorisation closes in five. This is the week UK financial services ran out of runway.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The FCA Just Cleared the Runway. It Didn't Take the Controls.

Jun 25, 2026

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4 min read

The FCA Just Cleared the Runway. It Didn't Take the Controls.

A proactive, collaborative, competition-hungry regulator made one thing non-negotiable. Most firms will misread it as a box to tick.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Digital Transformation In The Agentic Era: Why The Old Playbook No Longer Works

Jun 23, 2026

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5 min read

Digital Transformation In The Agentic Era: Why The Old Playbook No Longer Works

When AI agents act at machine speed, traditional governance gates become irrelevant. Here is what needs to replace them.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The AI Input Zone Closed: The FCA Now Has the Industry's Evidence

Jun 20, 2026

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4 min read

The AI Input Zone Closed: The FCA Now Has the Industry's Evidence

FCA's AI Input Zone, the evidence-gathering exercise where regulated firms were asked to submit specific examples of their AI governance has closed

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Not Theory. Evidence. You Have Until 19 June.

Jun 1, 2026

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4 min read

Not Theory. Evidence. You Have Until 19 June.

The FCA has stopped asking firms how they govern AI and started asking them to prove it, with a deadline that is now 18 days away.

Emeka Ogbonnaya
Emeka Ogbonnaya

Adoption Gap

+1

The AI Act blinked. Your deadlines didn't.

May 26, 2026

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9 min read

The AI Act blinked. Your deadlines didn't.

EU AI Act high-risk AI deferred 16 months to December 2027. BNPL regulation goes live in seven weeks. SM&CR Phase 2 confirmed. Your September conduct rules don't care about any of the above.

Emeka Ogbonnaya
Emeka Ogbonnaya
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The Accountability Record

AI accountability intelligence for regulated financial services.

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