Build a structured annual Consumer Duty board report meeting FCA PS22/9 requirements. Deadline: July 31, 2026. Encodes FCA's April 2026 observations on good practice — outcome evidence, distribution chain monitoring, board challenge documentation, and remediation tracking.
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Approximate number of retail customers in scope for Consumer Duty.
FCA expects firms to obtain information from distributors and to take steps where outcomes are poor.
FCA estimates ~50% of UK adults have a characteristic of vulnerability at some point.
High upheld rates (>30%) may signal systemic Consumer Duty failures.
FCA April 2026: board minutes must document substantive challenge, not just approval.
{
"name": "build_fca_consumer_duty_board_report",
"description": "Build a structured FCA Consumer Duty annual board report per PS22/9 requirements",
"inputSchema": {
"type": "object",
"properties": {
"firm_type": { "type": "string", "description": "Type of regulated firm" },
"retail_customer_count": { "type": "integer", "description": "Number of retail customers in scope" },
"products_services_scope": { "type": "string", "description": "Products and services covered" },
"reporting_period_end": { "type": "string", "description": "Reporting period end month/year" },
"outcomes": {
"type": "array",
"description": "Four outcome assessments",
"items": {
"type": "object",
"properties": {
"outcome_name": {"type": "string"},
"rag": {"type": "string", "enum": ["Green","Amber","Red"]},
"evidence_quality": {"type": "string", "enum": ["Strong","Moderate","Weak"]},
"worst_gap": {"type": "string"}
}
}
},
"board_approved": {"type": "boolean"},
"board_challenge_minuted": {"type": "boolean"},
"remediation_actions_identified": {"type": "boolean"}
},
"required": ["firm_type","outcomes"]
}
}