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		<title>You have to crack a few eggs to make an omelette!</title>
		<link>https://createsolutions.co.uk/you-have-to-crack-a-few-eggs-to-make-an-omelette/</link>
		
		<dc:creator><![CDATA[Claire Smith]]></dc:creator>
		<pubDate>Thu, 27 Aug 2026 10:51:39 +0000</pubDate>
				<category><![CDATA[Create News]]></category>
		<category><![CDATA[AIGovernance]]></category>
		<category><![CDATA[Change]]></category>
		<category><![CDATA[ConsumerDuty]]></category>
		<category><![CDATA[Create Solutions]]></category>
		<category><![CDATA[FCACompliance]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13738</guid>

					<description><![CDATA[<p>Written by, Karen Shenton My husband said this to me this morning. In fairness, I&#8217;d earned it — I was mid-rant about the dust sheets, the disruption, and the general chaos about to descend on our house as he started decorating. His response? Calm as...</p>
<p>The post <a href="https://createsolutions.co.uk/you-have-to-crack-a-few-eggs-to-make-an-omelette/">You have to crack a few eggs to make an omelette!</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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									<p>Written by, Karen Shenton</p><p style="font-weight: 400;">My husband said this to me this morning. In fairness, I&#8217;d earned it — I was mid-rant about the dust sheets, the disruption, and the general chaos about to descend on our house as he started decorating.</p><p style="font-weight: 400;">His response? Calm as anything: <strong>&#8220;You have to crack a few eggs to make an omelette.&#8221;</strong></p><p style="font-weight: 400;">It stopped me in my tracks, not because it was profound, but because it&#8217;s one of those phrases we all say without ever really thinking about what it means.</p><h3><strong>What does this phrase me?</strong></h3><p style="font-weight: 400;">I looked it up.</p><p style="font-weight: 400;">Turns out it&#8217;s been around since the 1700s, originally French. And has been used (rather grimly, in some cases) to justify all sorts of upheaval over the centuries.</p><p style="font-weight: 400;">Thankfully, these days we use it far more gently.</p><h3><strong>The business meaning.</strong></h3><p style="font-weight: 400;">In business, it simply means this: achieving something worthwhile, a goal, a change, a better way of doing things, almost always comes with some short-term mess, cost or discomfort.</p><p style="font-weight: 400;"><strong>The goal is the omelette. The disruption along the way is the cracked eggs.</strong></p><h3 style="font-weight: 400;"><strong>In compliance, we see this constantly.</strong></h3><p style="font-weight: 400;">Disruption and change can feel uncomfortable for people and for businesses. It&#8217;s happening every day, some changes are just bigger than others.</p><p style="font-weight: 400;">Take AI. Its introduction into financial services is change at real speed, arguably one of the biggest shifts our industry has faced in decades.</p><p style="font-weight: 400;">New tools, new risks, new governance questions, new ways of working. <strong>It&#8217;s a lot of eggs to crack!</strong></p><p style="font-weight: 400;">But the businesses that get this right aren&#8217;t the ones who avoid the mess they&#8217;re the ones who plan for it, manage it thoughtfully, and keep sight of the omelette they&#8217;re actually trying to make.</p><h3 style="font-weight: 400;"><strong>So&#8230;what&#8217;s your omelette?</strong></h3><p style="font-weight: 400;">And what eggs are you willing to crack to get there?</p><p style="font-weight: 400;">At Create Solutions, we help firms navigate exactly this kind of change, clearly, calmly, and without the jargon.</p><p style="font-weight: 400;"><strong>Whatever your &#8220;omelette&#8221; looks like, we&#8217;re here to help you crack the right eggs.</strong></p>								</div>
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		<p>The post <a href="https://createsolutions.co.uk/you-have-to-crack-a-few-eggs-to-make-an-omelette/">You have to crack a few eggs to make an omelette!</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>Tales from Wonderland: Menopause Uncovered – Serious Talk, No Sweat</title>
		<link>https://createsolutions.co.uk/tales-from-wonderland-menopause-uncovered-serious-talk-no-sweat/</link>
		
		<dc:creator><![CDATA[Claire Smith]]></dc:creator>
		<pubDate>Mon, 27 Jul 2026 13:21:05 +0000</pubDate>
				<category><![CDATA[Create News]]></category>
		<category><![CDATA[tales from wonderland]]></category>
		<category><![CDATA[wellbeing session]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13549</guid>

					<description><![CDATA[<p>Written by Karen Shenton. Regular readers of Tales from Wonderland will know I have a habit of finding compliance lessons in the most unexpected places &#8211; a stowaway mouse, a dodgy roof, a caravan winter. Today&#8217;s tale is a bit closer to home, and it&#8217;s...</p>
<p>The post <a href="https://createsolutions.co.uk/tales-from-wonderland-menopause-uncovered-serious-talk-no-sweat/">Tales from Wonderland: Menopause Uncovered – Serious Talk, No Sweat</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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<p class="wp-block-paragraph">Written by Karen Shenton.</p>
<p></p>
<p class="wp-block-paragraph">Regular readers of Tales from Wonderland will know I have a habit of finding compliance lessons in the most unexpected places &#8211; a stowaway mouse, a dodgy roof, a caravan winter. Today&#8217;s tale is a bit closer to home, and it&#8217;s one I&#8217;ve been putting off writing for a while. Not because I didn&#8217;t have anything to say. Quite the opposite, I had <strong><em>too much</em> </strong>to say, and I wasn&#8217;t sure I was ready to say it out loud.</p>
<p></p>
<p class="wp-block-paragraph">But here goes: I&#8217;ve been through the menopause. I&#8217;m on HRT. And I don&#8217;t mind admitting it &#8211; in fact, I think we need to talk about it a lot more than we do.</p>
<p></p>
<h3><strong>Curiouser and Curiouser</strong></h3>
<p class="wp-block-paragraph"></p>
<p class="wp-block-paragraph">If you&#8217;ve ever read Alice in Wonderland, you&#8217;ll remember the bit where she drinks from the bottle marked &#8220;Drink Me&#8221; and suddenly nothing about her body behaves the way it used to. She shrinks, she grows, she cries an entire pool of tears, and everyone around her is far too busy with their own nonsense to notice she&#8217;s having rather a wobble.</p>
<p></p>
<p class="wp-block-paragraph">Honestly? That&#8217;s the most accurate description of perimenopause I&#8217;ve ever come across, and it was written in 1865.</p>
<p></p>
<p class="wp-block-paragraph">There was the White Rabbit energy — &#8220;I&#8217;m late, I&#8217;m late!&#8221; — except it was me, standing in a meeting, having completely lost the thread of what I was about to say, brain fog rolling in like the Cheshire Cat&#8217;s grin, there one second and gone the next. There were the Mad Hatter&#8217;s tea party mood swings, where I went from perfectly calm to ready to flip the table over one lukewarm cup of tea. And there were the &#8220;growing and shrinking&#8221; moments too, except mine came with a hot flush at 3am and a duvet that couldn&#8217;t decide if it was friend or enemy.</p>
<p></p>
<p class="wp-block-paragraph"><img fetchpriority="high" decoding="async" class="wp-image-13582 aligncenter" src="https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-300x169.png" alt="" width="324" height="183" srcset="https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-300x169.png 300w, https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-1024x576.png 1024w, https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-768x432.png 768w, https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-1536x863.png 1536w, https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-2048x1151.png 2048w, https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-700x393.png 700w, https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-539x303.png 539w, https://createsolutions.co.uk/wp-content/uploads/2026/07/drink-me-600x337.png 600w" sizes="(max-width: 324px) 100vw, 324px" /></p>
<p>The difference between me and Alice, though, is that eventually somebody handed me a bottle that actually helped — HRT — and things got a lot less chaotic. But it took a while to get there, partly because, like a lot of women, I didn&#8217;t want to make a fuss, and partly because nobody around me was really talking about it either.</p>
<p></p>
<h3><strong>Why I&#8217;m telling you this</strong></h3>
<p class="wp-block-paragraph"></p>
<p class="wp-block-paragraph">Here&#8217;s where the Wonderland tale meets the real world of insurance and compliance, because it always does eventually.</p>
<p></p>
<p class="wp-block-paragraph">Around half of the workforce will go through menopause at some point, usually right in the years when people are at their most experienced, most senior, and most valuable to a business. Yet it&#8217;s still one of the things we&#8217;re least likely to talk about openly at work — up there with money and other people&#8217;s marriages.</p>
<p></p>
<p class="wp-block-paragraph">That silence has a cost. Staff who are struggling quietly are staff who are more likely to leave, more likely to be signed off, and less likely to perform at their best — not because they can&#8217;t, but because nobody&#8217;s asked if they&#8217;re okay, or built a culture where it&#8217;s safe to say &#8220;actually, I&#8217;m not.&#8221; And if we expect our people to look after vulnerable customers with empathy and understanding under Consumer Duty, we have to start by looking after the people doing that job, because a business that doesn&#8217;t take care of its own staff will find it much harder to genuinely take care of its customers.</p>
<p></p>
<p class="wp-block-paragraph">That&#8217;s exactly why we&#8217;re not putting a price tag on this one.</p>
<p></p>
<h3><strong>Join us down the rabbit hole — free of charge</strong></h3>
<p class="wp-block-paragraph"></p>
<p class="wp-block-paragraph">We&#8217;re running a wellbeing session called <a href="https://createsolutions.co.uk/training/wellbeing-menopause-uncovered-serious-talk-no-sweat/"><strong>Menopause Uncovered: Serious Talk, No Sweat</strong> </a>— because we care about firms and their people, and because this is too important to sit behind a paywall. It&#8217;s an open, honest, and yes, genuinely fun look at menopause: what it is, how it shows up at work, how colleagues and managers can support each other through it, and why it deserves a proper seat at the table alongside every other wellbeing conversation we have.</p>
<p></p>
<p class="wp-block-paragraph">Serious talk. No sweat. No judgement. Just an open conversation that&#8217;s long overdue.</p>
<p></p>
<p class="wp-block-paragraph">If you&#8217;d like to book your firm and your team onto the session, get in touch with Karen Shenton at <a href="mailto:karen@createsolutions.co.uk">karen@createsolutions.co.uk</a> or call <strong>0161 870 6637.</strong></p>
<p></p>
<p class="wp-block-paragraph"><strong><a href="https://createsolutions.co.uk/contact-us/">Contact us</a> or </strong><a href="https://createsolutions.co.uk/training/wellbeing-menopause-uncovered-serious-talk-no-sweat/"><strong>Book online</strong></a></p>
<p></p>
<p class="wp-block-paragraph">And if you&#8217;re going through it yourself right now — you&#8217;re not falling down the rabbit hole alone. Come and talk to us.</p>
<p></p>
<p class="wp-block-paragraph"><strong><em>Stay tuned for more Tales from Wonderland…</em></strong></p>
<p></p>								</div>
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				</div>
		<p>The post <a href="https://createsolutions.co.uk/tales-from-wonderland-menopause-uncovered-serious-talk-no-sweat/">Tales from Wonderland: Menopause Uncovered – Serious Talk, No Sweat</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>When the Heat Rises, So Does Risk: A Consumer Duty Temperature Check</title>
		<link>https://createsolutions.co.uk/when-the-heat-rises-so-does-risk-a-consumer-duty-temperature-check/</link>
		
		<dc:creator><![CDATA[Claire Smith]]></dc:creator>
		<pubDate>Wed, 08 Jul 2026 15:02:44 +0000</pubDate>
				<category><![CDATA[Create News]]></category>
		<category><![CDATA[compliance]]></category>
		<category><![CDATA[consumer duty]]></category>
		<category><![CDATA[customer outcomes]]></category>
		<category><![CDATA[training]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13477</guid>

					<description><![CDATA[<p>As the UK heats up, many of us are enjoying the sunshine, taking a moment to splash, paddle, and rehydrate. But while the weather warms, it’s worth remembering that risk levels can rise just as quickly. In financial services, pressure often builds quietly. Increased workloads,...</p>
<p>The post <a href="https://createsolutions.co.uk/when-the-heat-rises-so-does-risk-a-consumer-duty-temperature-check/">When the Heat Rises, So Does Risk: A Consumer Duty Temperature Check</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
]]></description>
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									<p style="font-weight: 400;">As the UK heats up, many of us are enjoying the sunshine, taking a moment to splash, paddle, and rehydrate. But while the weather warms, it’s worth remembering that risk levels can rise just as quickly.</p><p style="font-weight: 400;">In financial services, pressure often builds quietly. Increased workloads, stretched teams, and small process shortcuts can quickly shift your risk rating from green to amber… and, if left unchecked, to red. That’s when firms risk breaching the rules and, more importantly, failing to deliver good outcomes for customers.</p><p style="font-weight: 400;"><strong>So how do you keep your cool?</strong></p><p style="font-weight: 400;">Think of your business like a thermostat. It needs regular adjustment and monitoring to ensure it doesn’t overheat. Under Consumer Duty, this means taking a step back and asking:</p><ul style="font-weight: 400;"><li>Do we need a temperature check on how we’re delivering customer outcomes?</li><li>Are our communications still clear, fair, and not misleading?</li><li>Are we continuing to support vulnerable customers effectively?</li><li>Are our teams coping, or are they starting to wilt under pressure?</li></ul><p> </p><p style="font-weight: 400;">It’s easy to focus on customer outcomes alone, but we shouldn’t forget our staff. The heat can affect the service customers receive.</p><p style="font-weight: 400;"><strong>At Create Solutions, we help firms keep their cool.</strong></p><p style="font-weight: 400;">We support you to rehydrate and refresh your compliance frameworks, strengthen risk mitigation, and ensure your controls remain effective—even when the pressure rises.</p><p style="font-weight: 400;">Whether it’s a targeted review, governance support, or a full <strong>Consumer Duty “temperature check,”</strong> we help you identify early warning signs before risks escalate.</p><p style="font-weight: 400;">Because good compliance isn’t about reacting when things boil over—it’s about maintaining the right conditions from the start.</p><p style="font-weight: 400;"><strong>So enjoy the weather—but don’t forget to check your internal climate</strong>.</p><p style="font-weight: 400;">If you’d like a quick temperature check on your Consumer Duty approach, we’re here to help.</p><p style="font-weight: 400;">Contact <a href="mailto:Karen@createsolutions.co.uk" data-outlook-id="d8561822-2791-40e1-b00a-4236828a0e43">Karen@createsolutions.co.uk</a>  Tel 0161 870 6637</p>								</div>
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		<p>The post <a href="https://createsolutions.co.uk/when-the-heat-rises-so-does-risk-a-consumer-duty-temperature-check/">When the Heat Rises, So Does Risk: A Consumer Duty Temperature Check</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>“I am one hundred percent faithful” – what can the traitors teach us about the importance of good governance? Or may be just “governance?”</title>
		<link>https://createsolutions.co.uk/i-am-one-hundred-percent-faithful-what-can-the-traitors-teach-us-about-the-importance-of-good-governance-or-may-be-just-governance/</link>
		
		<dc:creator><![CDATA[Claire Smith]]></dc:creator>
		<pubDate>Wed, 08 Jul 2026 13:39:34 +0000</pubDate>
				<category><![CDATA[Create News]]></category>
		<category><![CDATA[compliance]]></category>
		<category><![CDATA[governance]]></category>
		<category><![CDATA[training]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13452</guid>

					<description><![CDATA[<p>Love it or hate it, the hit TV show “The Traitors” gets the nation thinking and talking. Not just about Claudia’s fringe and wardrobe, but why (as she often dryly observes), are the faithful so rubbish at identifying and eliminating traitors? I appreciate that the...</p>
<p>The post <a href="https://createsolutions.co.uk/i-am-one-hundred-percent-faithful-what-can-the-traitors-teach-us-about-the-importance-of-good-governance-or-may-be-just-governance/">“I am one hundred percent faithful” – what can the traitors teach us about the importance of good governance? Or may be just “governance?”</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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									<p>Love it or hate it, the hit TV show “The Traitors” gets the nation thinking and talking.</p>								</div>
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									<p>Not just about Claudia’s fringe and wardrobe, but why (as she often dryly observes), are the faithful so rubbish at identifying and eliminating traitors?</p><p>I appreciate that the link with FCA governance here is probably far from obvious. Please stick with me for a moment or two and allow me to explain my thoughts.</p>								</div>
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									<p>Let us think, for a moment, about what the faithful are asked to do, and the circumstances they are asked to do it in. On the face of it we might think, “wow, they are on an amazing all expenses paid trip to a Scottish castle, what’s the problem”?</p>
<p>From a different perspective, they are thrown into a competitive situation in an unfamiliar environment, with a bunch of people they do not know (except for some of the celebrities) and asked to solve a puzzle with very little information to go on.</p>
<p>So, why is this task so difficult? In my view, this is because they are largely working in a vacuum. In most aspects of our life there are rules and structures we work within. We must be at work at certain times and fulfil the terms of our employment contract, drive in accordance with various laws, and pay our mortgages on time.</p>
<p>All this provides structure, or governance, to various parts of our lives. And how do we manage all this? We get information (or data) from many sources to help us understand how to best navigate our lives.</p>
<p>In The Traitors, most of this is taken away, and the Faithful must develop their own governance in the form of alliances that can be rapidly created and discarded whilst trying to find information on who the traitors are. It is this combination of a lack of governance structures and data that leads to them struggling to identify and eliminate those murderous traitors.</p>
<p>This is why FCA places such importance on governance and the data to support it. So, what does this mean in our day-to-day running of our businesses? Essentially, they expect you to have in place systems e.g., regular documented senior management meetings and controls e.g., a monitoring programme to provide you with data that are “appropriate to the nature, scale and complexity of your business.”</p>
<p>If all that leaves you concerned about identifying the traitors in your business life, please do get in touch.</p>
<p><strong>We assure you; we are 100% faithful in our support.</strong></p>
<p><strong><a href="https://createsolutions.co.uk/contact-us/">Contact us</a></strong></p>								</div>
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		<p>The post <a href="https://createsolutions.co.uk/i-am-one-hundred-percent-faithful-what-can-the-traitors-teach-us-about-the-importance-of-good-governance-or-may-be-just-governance/">“I am one hundred percent faithful” – what can the traitors teach us about the importance of good governance? Or may be just “governance?”</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>What can shopping teach us about the consumer duty?</title>
		<link>https://createsolutions.co.uk/random-acts-of-kindness-day-2026-2/</link>
		
		<dc:creator><![CDATA[Claire Smith]]></dc:creator>
		<pubDate>Tue, 26 May 2026 11:17:49 +0000</pubDate>
				<category><![CDATA[Create News]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13340</guid>

					<description><![CDATA[<p>What can shopping teach us about the consumer duty? Picture the scene, the supermarket shop; you have made it to the head of checkout queue with only one person in front of you. Success, one job off endless task list!! Then, that one person in...</p>
<p>The post <a href="https://createsolutions.co.uk/random-acts-of-kindness-day-2026-2/">What can shopping teach us about the consumer duty?</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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					<h1 class="elementor-heading-title elementor-size-default">What can shopping teach us about the consumer duty?</h1>				</div>
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									<h6 class="p1" style="margin: 0cm;">Picture the scene, the supermarket shop; you have made it to the head of checkout queue with only one person in front of you. Success, one job off endless task list!! Then, that one person in front of you has A PROBLEM, your heart sinks, and that precious down time starts evaporating.</h6>								</div>
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									<p>We have all been there, as I was recently. As the pointed stares and sighs of frustration mounted around me, I noticed that something interesting and consumer duty-related was unfolding, literally in front of me. The “problem” was an elderly lady who was trying to use the supermarket app on her phone and was becoming increasingly flustered and upset.</p><p>The checkout person was wonderful, both to the queue and the elderly lady; polite, calm and keeping all parties informed about what was happening.</p><p>They were unable to resolve the problem, and called a manager, who arrived quickly and took control of the situation, smilingly competent. The elderly lady was moved to “your personal checkout,” reassured “we’ll get this sorted out for you” and the queue thanked for their patience.</p><p><strong>So how does this link to the Consumer Duty? </strong></p><p>Let us think about outcomes for a moment, specifically communication, support, and the treatment of customers with characteristics of vulnerability.</p><p>In my view the supermarket staff delivered good outcomes here for both the queue and the elderly lady by: &#8211;</p><ul><li><strong>Communicating </strong>clearly and regularly about what was happening and what they were going to do next in a calm and positive way.</li><li><strong>Supporting</strong> the queue by getting it moving again as quickly as they could and the elderly lady by removing her from the pressure of holding it up and providing her with expert one to one support to resolve her issues.</li><li><strong>Treatment of customers with characteristics of vulnerability – </strong>the elderly ladies&#8217; issue was quickly identified, and the right support was rapidly provided in a calm, supportive and courteous way.</li></ul><p> </p><p>So, the outcome was that one of FCA’s key Consumer Duty objectives was achieved – the customer was enabled to use the product (the supermarket app) in the way intended by the provider and expected by the customer.  </p><p>Pity the supermarket is not FCA regulated; it would be a great example of good practice to share with them!</p><p>Written by: Allison Belben</p>								</div>
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		<p>The post <a href="https://createsolutions.co.uk/random-acts-of-kindness-day-2026-2/">What can shopping teach us about the consumer duty?</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>FCA Publication: Review into Claims Management Practices</title>
		<link>https://createsolutions.co.uk/fca-announcement-review-into-claims-management-practices/</link>
		
		<dc:creator><![CDATA[Claire Ward]]></dc:creator>
		<pubDate>Wed, 13 May 2026 12:09:22 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Regulatory Updates]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13254</guid>

					<description><![CDATA[<p>Many of you will have received an email from the FCA or noticed a new return showing on your RegData schedule this morning. There was no advanced notice of this return.</p>
<p>The post <a href="https://createsolutions.co.uk/fca-announcement-review-into-claims-management-practices/">FCA Publication: Review into Claims Management Practices</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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									<p><strong>If you’re a CMC, this is a clear signal to act now.</strong></p><p>We’re supporting firms to:</p><ul><li>Understand where they stand against FCA expectation</li><li>Identify gaps, risks and opportunities</li></ul><p> </p><p>This review touches multiple areas – Governance and oversight SMFs, Compliance, Risk, Operations, Complaints and Marketing all need to be aligned.</p><p>For a no-obligation conversation email <a href="mailto:karen@createsolutions.co.uk">karen@createsolutions.co.uk</a> or call the office on 0161 870 6637</p><p><a href="https://www.fca.org.uk/news/statements/fca-review-claims-management-practices">Read the FCA publication here&#8230; </a>                                                                                                                                                                         </p>								</div>
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		<p>The post <a href="https://createsolutions.co.uk/fca-announcement-review-into-claims-management-practices/">FCA Publication: Review into Claims Management Practices</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>Important Update: Insurance Regulatory Priorities Report (RPR)</title>
		<link>https://createsolutions.co.uk/important-update-insurance-regulatory-priorities-report-rpr/</link>
		
		<dc:creator><![CDATA[Claire Ward]]></dc:creator>
		<pubDate>Thu, 07 May 2026 10:34:37 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Regulatory Updates]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13232</guid>

					<description><![CDATA[<p>Many of you will have received an email from the FCA or noticed a new return showing on your RegData schedule this morning. There was no advanced notice of this return.</p>
<p>The post <a href="https://createsolutions.co.uk/important-update-insurance-regulatory-priorities-report-rpr/">Important Update: Insurance Regulatory Priorities Report (RPR)</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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									<p>Many of you will have received an email from the FCA or noticed a new return showing on your RegData schedule this morning. There was no advanced notice of this return.</p><p>The return asks you to confirm that the appropriate stakeholders and senior leadership at the firm have received the <strong>Insurance Regulatory Priorities Report</strong> that was issued February 2026. A link to this report is here: <a href="https://gbr01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.fca.org.uk%2Fpublication%2Fregulatory-priorities%2Finsurance-report.pdf&amp;data=05%7C02%7CClaire.Ward%40createsolutions.co.uk%7C793fd7b349e243d9d80b08deac1721dc%7C014a75d0501346b580dcb68c8493a9fd%7C0%7C0%7C639137412523704512%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=XAdUegd3vn%2FlfhIL0773g0PU0BqRiizxRr3%2Fss%2B3r5Y%3D&amp;reserved=0">https://www.fca.org.uk/publication/regulatory-priorities/insurance-report.pdf</a></p><p>Any significant information from this report has already been provided to you in various bulletins.</p><p>Firms are required to consider the report carefully, agree and implement any required actions and acknowledge this via the RegData return. In effect the RegData return is an attestation.</p><p>We will be in touch with further guidance.</p><p>Your Create Solutions Team</p>								</div>
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		<p>The post <a href="https://createsolutions.co.uk/important-update-insurance-regulatory-priorities-report-rpr/">Important Update: Insurance Regulatory Priorities Report (RPR)</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>FCA Publication: Inactive Appointed Representatives or IAR&#8217;s</title>
		<link>https://createsolutions.co.uk/fca-ico-joint-publication-regulatory-expectations-2/</link>
		
		<dc:creator><![CDATA[Claire Ward]]></dc:creator>
		<pubDate>Wed, 22 Apr 2026 13:59:58 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Regulatory Updates]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13157</guid>

					<description><![CDATA[<p>The FCA and the ICO (Information Commissioners Office) issued a joint statement on the 27th March 2026 outlining regulatory expectations for firms handling vulnerability-related data. </p>
<p>The post <a href="https://createsolutions.co.uk/fca-ico-joint-publication-regulatory-expectations-2/">FCA Publication: Inactive Appointed Representatives or IAR&#8217;s</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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									<p>The FCA issued a publication yesterday and if you have <strong>Appointed representatives, or Introducer Appointed Representatives</strong> then this is relevant</p><p>They have indicated Good Practice and areas for improvement</p><p>Which they have identified as part of their supervisory work related to <strong>inactive</strong> appointed representatives – see below</p><p><strong>FCA review: inactive appointed representatives</strong></p><p>The FCA has published a review on the risks linked to appointed representatives who are not carrying out regulated activity.</p><p>The key message is that principal firms must maintain effective oversight, keep clear records, and act promptly where an AR or IAR is inactive or no longer appropriate to remain in the network.</p><p><strong>The FCA expects firms to understand why an AR is inactive</strong>, monitor activity closely, and ensure regulatory returns are accurate and up to date.</p><p>It also highlights the risk of consumer harm where inactive ARs remain visible on the register and could create a misleading impression of regulatory protection</p><p>Principal firms should review their AR and IAR arrangements, strengthen monitoring where needed, and take timely action if relationships are not working as intended.</p>								</div>
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									<p><strong>A reminder…</strong></p><p><strong>Good practice for AR oversight from FCA</strong></p><p>The FCA’s good practice for principal firms overseeing Appointed Representatives is to use <strong>active, evidence-based monitoring</strong> rather than relying on basic checks or self-certification alone.</p><p><strong><u>Key good practices include:</u></strong></p><ul><li>Keeping clear written records of oversight activity, reviews, and self-assessments, signed off by the Board/equivalent.</li><li>Using a range of management information, such as file reviews, customer complaints, revenue trends, website checks, customer surveys, in-person visits, and some may mystery shop</li><li>Regularly review your AR agreements, business activities, and senior management changes, and making sure the AR remains within scope.</li><li>Ensure formal onboarding, due diligence, training, and ongoing monitoring that considers Consumer Duty and the risk of consumer harm.</li><li>Acting promptly where issues are identified.</li></ul><p> </p><p>The FCA also said poor practice includes a <strong>tick-box approach</strong>, over-reliance on website checks or AR self-declarations, and weak board-level oversight</p><p>If you have any questions, please do not hesitate to contact Create Solutions, email  <a href="mailto:matt@createsolutions.co.uk">matt@createsolutions.co.uk</a>  or call the office on 0161 870 6637</p><p>Document in your management meeting/board meeting that you have reviewed the enclosed and action taken (where relevant)</p><p><a href="https://www.fca.org.uk/publications/good-and-poor-practice/managing-potential-risks-inactive-appointed-representatives#lf-chapter-id-what-we-found">You can read the FCA&#8217;s full review here&#8230;</a></p>								</div>
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		<p>The post <a href="https://createsolutions.co.uk/fca-ico-joint-publication-regulatory-expectations-2/">FCA Publication: Inactive Appointed Representatives or IAR&#8217;s</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>FCA &#038; ICO Joint Publication: Regulatory Expectations</title>
		<link>https://createsolutions.co.uk/fca-ico-joint-publication-regulatory-expectations/</link>
		
		<dc:creator><![CDATA[Claire Ward]]></dc:creator>
		<pubDate>Tue, 07 Apr 2026 11:26:48 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Regulatory Updates]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13099</guid>

					<description><![CDATA[<p>The FCA and the ICO (Information Commissioners Office) issued a joint statement on the 27th March 2026 outlining regulatory expectations for firms handling vulnerability-related data. </p>
<p>The post <a href="https://createsolutions.co.uk/fca-ico-joint-publication-regulatory-expectations/">FCA &#038; ICO Joint Publication: Regulatory Expectations</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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									<p>The FCA  and the ICO (Information Commissioners Office) issued a joint statement on the 27th March 2026 outlining regulatory expectations for firms handling vulnerability-related data. </p><p>The statement supports firms in delivering good outcomes for customers in vulnerable circumstances under the Consumer Duty, while maintaining confidence in the lawful, fair and responsible use of personal data. It emphasises the importance of data sharing, robust governance and clear processes to ensure both effective customer support and compliance with data protection requirements.</p><p><a href="https://www.fca.org.uk/publications/corporate-documents/joint-fca-and-ico-statement-regulatory-expectations-regarding-firms">Read the full statement here&#8230;</a></p>								</div>
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															<img decoding="async" width="1024" height="449" src="https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-1024x449.png" class="attachment-large size-large wp-image-10890" alt="" srcset="https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-1024x449.png 1024w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-300x131.png 300w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-768x336.png 768w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-700x307.png 700w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-600x263.png 600w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance.png 1107w" sizes="(max-width: 1024px) 100vw, 1024px" />															</div>
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		<p>The post <a href="https://createsolutions.co.uk/fca-ico-joint-publication-regulatory-expectations/">FCA &#038; ICO Joint Publication: Regulatory Expectations</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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		<title>FCA Publication: Customer Understanding</title>
		<link>https://createsolutions.co.uk/fca-publication-customer-understanding/</link>
		
		<dc:creator><![CDATA[Claire Ward]]></dc:creator>
		<pubDate>Tue, 07 Apr 2026 11:01:52 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Regulatory Updates]]></category>
		<guid isPermaLink="false">https://createsolutions.co.uk/?p=13091</guid>

					<description><![CDATA[<p>The FCA published its Customer Understanding: Good Practice and Areas for Improvement review on the 13th March 2026, highlighting how firms can better support customers making informed financial decisions. </p>
<p>The post <a href="https://createsolutions.co.uk/fca-publication-customer-understanding/">FCA Publication: Customer Understanding</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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									<p>The FCA published its Customer Understanding: Good Practice and Areas for Improvement review on the 13th March, highlighting how firms can better support customers making informed financial  decisions. The findings emphasise the importance of clear, fair and accessible communications, alongside ongoing testing and adaptation to meet diverse customer needs. </p><p>The review also shares practical examples of effective approaches, helping firms strengthen outcomes in line with Consumer Duty expectations. </p><p><a href="https://www.fca.org.uk/publications/good-and-poor-practice/consumer-understanding-good-practice-areas-improvement">Read the publication here&#8230;</a></p>								</div>
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															<img decoding="async" width="1024" height="449" src="https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-1024x449.png" class="attachment-large size-large wp-image-10890" alt="" srcset="https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-1024x449.png 1024w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-300x131.png 300w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-768x336.png 768w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-700x307.png 700w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance-600x263.png 600w, https://createsolutions.co.uk/wp-content/uploads/2025/10/create-soltuions-All-You-Need-to-Know-About-Insurance.png 1107w" sizes="(max-width: 1024px) 100vw, 1024px" />															</div>
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		<p>The post <a href="https://createsolutions.co.uk/fca-publication-customer-understanding/">FCA Publication: Customer Understanding</a> appeared first on <a href="https://createsolutions.co.uk">Create Solutions</a>.</p>
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