Guardian, the ultimate compliance monitoring platform, checks your firm's own data against the FCA Handbook and keeps the evidence; our practitioners do the rest.
FCA Handbook mirror: 27,169 provisions across 63 sourcebooks · last synced 12 Oct 2026 · 34 chapters changed in that sync.
What changedNot promises. Each one is on this site or a click away.
The record on the left, the rule on the right, the review underneath. Hover or tap a reference to read the provision as the mirror holds it.
(1) The extent and scope of the creditworthiness assessment, and the steps that the firm must take to satisfy the requirement that the assessment is a reasonable one, based on sufficient information, are dependent upon, and proportionate to, the individual circumstances of each case. (2) The firm must consider: (a) the types of information to use in the creditworthiness assessment; (b) the content and level of detail of the information to use; (c) whether the information in the firm’s possession is sufficient; (d) whether and to what extent to obtain additional information from the customer; (e) whether and to what extent to obtain …
What the firm's own system holds: the application, the income, the verification steps found, who decided.
Quoted from the mirror, with its date. Any sourcebook, not only CONC.
Assign; accept risk with a reason and a second approver; close only with linked evidence. Every step in the audit log.
The FCA regulates the conduct of around 35,500 firms1. Each sector page leads with its own rule set.
Lenders and brokers, mortgage firms, insurance distributors, advisers and wealth managers, payment and e-money institutions, cryptoasset firms, funeral plan providers, claims management companies, and principals with appointed representatives.
FCA publications, Handbook changes and Ombudsman updates, read by us and written up with the rules they touch.
The Bank of England and FCA's fourth survey of AI in UK financial services finds adoption, agents and third-party AI all up. Controls before deployment are near-universal; ongoing monitoring is reported by around half of respondents.
The FCA's review of AI in retail financial services sets out good and poor practice in three areas and says plainly that it does not create new requirements. The Consumer Duty and SM&CR carry the weight.
Our mirror of the FCA Handbook was re-synced from the FCA's API on 12 October 2026. Thirty-four chapters had changed since the previous sync.
Each post is drafted from the source and our FCA Handbook mirror; every Handbook reference is checked against the provision text before it is published. All updates
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