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Editorial

Editorial

A Billion Rows a Day, and One Name on the Application

Oct 5, 2026

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3 min read

A Billion Rows a Day, and One Name on the Application

The FCA's "first responder" is an AI, and it processes a billion rows a day

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The MIFID Transaction Reporting Is Changing

Aug 7, 2026

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4 min read

The MIFID Transaction Reporting Is Changing

The FCA cut thirteen reporting fields and traded prescription for judgment

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The reasonable-steps bar moves. This is how you move with it.

Aug 6, 2026

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3 min read

The reasonable-steps bar moves. This is how you move with it.

The final artefact in the series, and the only one that keeps arriving. Written for the person on the hook, not the institution.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Your Statement of Responsibilities and your AI are written in different languages.

Aug 5, 2026

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2 min read

Your Statement of Responsibilities and your AI are written in different languages.

The fourth free artefact in the series. There is no dedicated AI Senior Manager. So which of your existing duties actually covers it?

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The evidence you improvise mid-crisis is the weakest kind there is.

Aug 4, 2026

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2 min read

The evidence you improvise mid-crisis is the weakest kind there is.

The third free artefact in the series. What happens, and who is accountable, when a system behaves in a way no one planned for.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Attribution proved you were awake at go-live. This proves you stayed awake.

Jul 29, 2026

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2 min read

Attribution proved you were awake at go-live. This proves you stayed awake.

The second free artefact in the series. Attribution fixes accountability at a point in time. This one runs the length of the system's life.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The Effectiveness Era Arrives

Jul 27, 2026

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4 min read

The Effectiveness Era Arrives

The FCA stopped asking whether you have financial crime controls and started counting whether they run. 29% of firms had no transaction monitoring. Agentic AI entered the sandbox the same week.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The One Oversight Record Your AI Model Governance Leaves Out

Jul 22, 2026

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5 min read

The One Oversight Record Your AI Model Governance Leaves Out

Free to use today. The evidence of individual oversight the reasonable-steps test is built to look for. First of a short series.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Four cloud giants, one BNPL Day, and six weeks to the new conduct rules

Jul 21, 2026

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12 min read

Four cloud giants, one BNPL Day, and six weeks to the new conduct rules

The Bank of England, PRA and FCA began supervising AWS, Google, Microsoft and Oracle on Monday. BNPL became regulated credit on Wednesday.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

The FCA Cut the Rules. It Kept the Names.

Jul 21, 2026

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4 min read

The FCA Cut the Rules. It Kept the Names.

Three Consultations, £128 Million in Savings, and a Regulator Building a Better Model of You

Emeka Ogbonnaya
Emeka Ogbonnaya

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

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
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