消费者责任
Speak to an expert消费者责任
2022 年 7 月，FCA 发布了新消费者责任(NCD)的最终规则。要求大多数受监管企业在 12 个月内对开放销售或更新的新产品和现有产品及服务实施新规定，并在 2024 年 7 月前对已关闭的产品或服务进一步实施新规定。
新的 “消费者责任 “要求企业制定详细的框架，以满足 FCA 对消费者保护的高标准要求。在《企业原则》中增加了第 12 条原则，规定 “企业必须采取行动，为零售客户提供良好的结果”，这体现了对消费者的高度重视。该职责还引入了三条贯穿各领域的规则，以加强 FCA 在这一新原则下所期望的行为标准。
- 真诚对待零售、小型企业和慈善机构（>营业额 100 万英镑）客户。
- 避免对您的零售、微型企业和慈善机构（>营业额 100 万英镑）客户造成可预见的损害。
- 帮助并支持零售客户实现其财务目标。
在指导意见其余规则和期望的支持下，该责任的实施应有助于企业为消费者实现四个良好结果。
- 产品与服务
- 价格与价值
- 了解消费者
- 消费者支持
API Compliance 如何支持您履行消费者责任
自 NCD 最终规则和指南发布以来，我们已与一系列支付服务和电子货币公司合作，帮助管理层和团队领导者了解该义务，并支持他们制定适合其公司业务服务的实施计划。这一过程通常包括差距分析、建议、支持制定所选方法的政策和程序、培训以及定期对实施效果进行独立审查。
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API Compliance ‘held our hand’ through a fairly complex process and supported us to get it right. API have been a fantastic extension to Lapay, a pleasure to work with, and we shall continue to engage with them for the foreseeable future.
Toby Wootton
CEO at Lapay
It was crucial for us to partner with a team that was both experienced and knowledgeable to ensure our goals were met with ease. From the start, we felt confident that API Compliance would deliver swiftly and diligently, and the connection was immediate.
Matheu Crisp
Compliance Director at Millbank FX
We used API Compliance to help us sell our Authorised Payment Institution in the UK. We were very pleased with the professional service and would strongly recommend API Compliance to anyone selling their UK regulated business.
Marius Bausys
Founder at ArcaPay
Superior service. Consultants were knowledgeable and extremely efficient. We couldn't have effectively achieved our objectives without their assistance.
Bernard Beck
Chief Compliance Officer at Ascendant
API did our annual AML/CTF audit as well as our safeguarding review. Very detailed work, pleased with the professional report and they were helpful with the findings/remediation.
Mauricio Barbosa
Director at Real Transfer
We are incredibly grateful to API Compliance for their exceptional support and expertise in obtaining our API license in the UK. We highly recommend them for their dedication, professionalism, and the personalised approach they bring to every engagement.
Josh Hatwell
Operations Director at Capitex Group
API Compliance has been instrumental in helping us elevate our regulatory compliance standards. Their professionalism, attention to detail, and commitment to excellence have made scaling our operations seamless while maintaining top-tier compliance.
Tao Yun
Managing Director at Ronghan International Limited
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