Regulatory Intelligence
Insights
Analysis for compliance professionals at regulated firms. FCA, EU AI Act, DORA, ISO 42001.
Annex IV: The Complete Technical Guide for Financial Services Firms
EU AI Act Annex IV mandates technical documentation for every high-risk AI system — credit scoring, fraud detection, AML, insurance risk. This guide covers all seven sections, production timelines, and the 2 August 2026 deadline.
Shadow AI: Why 74% of Enterprise AI Operates Outside Governance Frameworks
Most enterprise AI isn't rogue — it's invisible. Three routes bring AI into regulated firms without governance: developer convenience, departmental procurement, and open-source experimentation. The FCA will ask about all of them.
SMCR and AI: Who Is Personally Accountable When Your Model Fails?
When an AML model generates 3,000 false positives and the FCA opens an investigation, the question isn't institutional — it's personal. Named SMF holders need documented, cryptographically verified accountability chains.
DORA and the EU AI Act: The Compliance Overlap Your Legal Team May Have Missed
Two regulations, both in force, both applicable to AI systems in financial services. The evidence that satisfies DORA Article 11 ICT documentation is structurally identical to what EU AI Act Annex IV requires. One audit trail covers both.
RegRadar Briefing
Monthly Regulatory Intelligence
Monthly: the regulatory changes that matter, the enforcement actions to learn from, and the deadlines coming up. Read by compliance professionals at regulated firms across the UK and EU.
RegRadar Briefing
Monthly Regulatory Intelligence
Monthly: the regulatory changes that matter, the enforcement actions to learn from, and the deadlines coming up. Read by compliance professionals at regulated firms across the UK and EU.