The compliance layer for AI-assisted financial advice
The AI drafts. The human decides. The ledger proves it.
Consumer Duty holds firms accountable for AI-assisted advice outcomes. Most firms can't prove their oversight. Bedrock gives you the evidence.
The regulatory clock is ticking
The FCA's Consumer Duty is in effect. AI adoption in financial advice is accelerating. The gap between what firms are doing and what they can prove is widening every day.
75%
of UK firms already using AI
Up from 58% in 2022. AI is drafting suitability reports, recommendations, and client communications at scale.
98%
of AI use cases need human oversight
Only 2% of AI deployments are fully autonomous. The rest require a human in the loop — and proof that it happened.
July 2024
Consumer Duty in full effect
Firms must demonstrate good outcomes for retail customers — including an annual board assessment evidenced with data.
Sources: Bank of England & FCA, AI in UK Financial Services (2024) · FCA, AI and the Consumer Duty
Compliance
How Bedrock maps to FCA regulation
The Consumer Duty, SM&CR, and SYSC create a standard of evidence and accountability that most firms can't meet with spreadsheets and email trails. We've mapped 10 regulatory requirements to the specific Bedrock features that address them — with direct references to FCA rules and guidance.
How the ledger keeps your records safe
Every record is connected to the one before it, like links in a chain. Change one record and every link after it breaks — instantly detectable.
Advice given
Review completed
Certificate issued
How are they linked?
Each record contains a unique fingerprint of the previous record. If anyone alters a past record, the fingerprint won't match — and the entire chain flags it as tampered.
What this means for your firm
Prove compliance instantly
When the FCA asks for evidence that advice was properly reviewed, you produce a verifiable certificate in seconds — not weeks of document gathering.
Records that can't be altered
Once a record enters the ledger, it cannot be changed, deleted, or backdated. Not by you, not by us, not by anyone.
Every review tracked end-to-end
From the moment advice is submitted to the moment it's approved, every step is recorded with timestamps, reviewer identity, and SLA tracking.
Two products, one platform
Each can stand alone. Together, they create a complete compliance layer for AI-assisted advice.
The immutable record. Every piece of advice your firm gives is logged in a tamper-proof ledger with cryptographic signatures. An audit trail that even your auditors can't dispute.
Learn about Ledger →The review workflow. AI-generated advice is automatically routed to your firm's FCA-authorised reviewers who check, approve, or reject it — with full audit trail and tamper-proof certificates.
Learn about Principal →From the blog
4 April 2026
The FCA's quiet shift from monitoring AI to regulating it
Three developments in early 2026 signal the FCA is moving from observation to action on AI in financial services. Parliament has criticised the wait-and-see approach.
Read more →28 February 2026
Consumer Duty and AI: what the FCA expects
The FCA has made clear that firms remain fully accountable for AI-generated advice under Consumer Duty. We break down what that means in practice.
Read more →Protect your firm's future
Join the firms preparing for the future of regulated AI advice. Early access for FCA-regulated firms.