FCA Consumer Duty and SMCR do not prohibit AI — they require you to govern it. Inference Agents gives you the compliance gateway that makes AI use in regulated advice defensible: FCA guardrails enforced on every API call, client PII protected at the edge, and a tamper-proof evidence trail built automatically for every interaction.
The FCA is not prohibiting AI. It is requiring governance. Meet these three obligations and your firm can deploy AI confidently.
Delegating a decision to an algorithm does not absolve a Senior Manager. If an AI tool produces unsuitable advice, the named principal is personally accountable. Not the software vendor. You.
You must be able to demonstrate that every client interaction — including those assisted by AI — delivered fair value and good outcomes. Manual chat logs do not constitute evidence. A cryptographic audit trail does.
From August 2026, AI systems used in financial advice must maintain automatic, tamper-proof logs of every decision for the lifetime of the system. Standard application logs are not sufficient. Article 12 requires immutability.
Your advisers draft suitability letters significantly faster using an AI assistant connected via the API. Inference Agents ensures client PII is handled within policy, Consumer Duty guardrails are applied to every prompt, and a complete record of what the model produced — and when — is retained automatically for FOS or FCA review.
AI tools can summarise lengthy fund prospectuses, generate portfolio commentary, and research market conditions at a fraction of the time it takes manually. With the gateway in place, every API call is governed — client data stays protected, and the audit trail is built for you.
Paraplanners and administrators use AI to draft initial client responses, annual review letters, and meeting preparation notes. The gateway enforces your firm's tone and data policies — and logs every interaction for Consumer Duty evidence purposes.
Use AI to check draft documents against your firm's compliance policy before they reach clients. The gateway records the review, the model's assessment, and the final output — giving your compliance officer a full picture of how AI was used in every client-facing process.
Inference Agents sits between your API-connected AI tools and the model providers. Nothing changes in how your team works. Everything changes in what you can evidence.
We are onboarding a small number of FCA-authorised IFA and Wealth Management firms. No commitment required.
We will reach out directly. No sales calls. No spam.