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

Editorial

52 Years. One Policy Statement. Your AI Is Now Exposed.

May 25, 2026

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4 min read

52 Years. One Policy Statement. Your AI Is Now Exposed.

Parliament scrapped the rule book. The FCA hasn't written the new one yet. AI is already filling the gap.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

+1

Four Challengers and One Deadline

May 9, 2026

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4 min read

Four Challengers and One Deadline

The FCA is defending its motor finance redress scheme in court. The June deadline isn't in dispute.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

 Two Days and a Legal Challenge

May 5, 2026

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4 min read

Two Days and a Legal Challenge

FCA Safeguarding Supplementary Regime is only but a few days away, Motor finance redress scheme under legal challenge

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Eight firms are in the AI lab. Here's what the FCA is learning.

Apr 28, 2026

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12 min read

Eight firms are in the AI lab. Here's what the FCA is learning.

SM&CR Phase 1 is live as of Thursday. The FCA's AI testing cohort is named. Consumer Duty boards are being told their dashboards aren't enough.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

What Building Cloud Guardrails Taught Me About Keeping AI Accountable

Apr 24, 2026

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5 min read

What Building Cloud Guardrails Taught Me About Keeping AI Accountable

How automated policy enforcement, human approval gates, and audit trails moved from infrastructure to accountability.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The Accountability Gap

Apr 23, 2026

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11 min read

The Accountability Gap

AI can do the work. But the FCA wants to know who made the call.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Why your RCSA does not pass the new operational resilience test

Apr 19, 2026

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5 min read

Why your RCSA does not pass the new operational resilience test

The PRA quietly changed what operational resilience means for AI. Your RCSA probably does not reflect it yet.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

+1

Two Clocks Started This Week. Most Firms Are Only Watching One.

Apr 10, 2026

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10 min read

Two Clocks Started This Week. Most Firms Are Only Watching One.

The CCI regime went live Tuesday. The AI accountability regime has been live since 2019. Very few firms have connected those two facts.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

$3 Billion in the Dark

Apr 3, 2026

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8 min read

$3 Billion in the Dark

The FCA closed a case in nine months this week. The firm's automated system processed $3 billion and never flagged a single suspicious trade.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

April 6 Is Three Days Away. Your AI Doesn't Know That Yet.

Apr 3, 2026

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9 min read

April 6 Is Three Days Away. Your AI Doesn't Know That Yet.

The FCA's new disclosure regime goes live this weekend, and the firms relying on AI to generate product information haven't mapped accountability to a named person.

Emeka Ogbonnaya
Emeka Ogbonnaya
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The Accountability Record

AI accountability intelligence for regulated financial services.

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