Regulatory · Compliance · Legal

Your policies say the right thing. Can you evidence it?

LexPoint Advisory works alongside regulated firms to turn compliance obligations into documents, controls and governance that hold up under scrutiny — FCA compliance, data protection, contracts, policies and frameworks.

£100/hour · fixed weekly hours · monthly retainer

consumer-duty-policy-v3.docx Under review
The firm will treat customers fairly and will provide product information to customers at appropriate times. Charges are set at a level the firm considers reasonable. Customers in vulnerable circumstances will be handled sensitively where identified.
PRIN 2A

Consumer Duty sets a higher standard than treating customers fairly. This needs a four-outcome framework with defined metrics, not a restated principle.

5Advisory disciplines
£100Per hour, ad hoc
48hTypical turnaround
UKFCA & UK GDPR regimes

Scope of engagement

Five areas of advice and assistance

Each can be taken alone or combined. Where documentation is required, LexPoint drafts it — you are not left with a report telling you what to write.

1.1

FCA compliance

Consumer DutyCode of ConductFit & ProperConsumer creditInsurance

Practical support across the obligations that carry the most supervisory attention: Consumer Duty outcomes and evidencing, conduct rules and staff certification, Fit and Proper assessment, and the consumer credit and insurance distribution regimes. Regulatory change is tracked and passed to you as what it means for your firm, not a copy of the publication.

1.2

Data protection & retention

UK GDPRRetention schedulesRecords of processing

Review of how personal data moves through your business and how long it is kept. Retention schedules built to the record type rather than a blanket period, processing records brought up to date, and the supporting notices and procedures drafted so the position is documented before anyone asks to see it.

1.3

Contract review & drafting

SupplierClient termsOutsourcingData agreements

Commercial contracts reviewed for risk and redrafted where they do not hold. Client-facing terms, supplier and outsourcing agreements, and the data processing terms that sit underneath them — with the regulatory clauses your sector requires actually present, not assumed.

1.4

Policies & compliance training

Policy suiteProceduresTraining material

Policies written for how your firm actually operates, with the procedures that make them followable. Training content and supporting documentation drafted so that competence can be demonstrated — the record of who was trained, on what, and when is part of the deliverable.

1.5

Governance frameworks

Terms of referenceMI & reportingThree lines

Governance built around your structure rather than lifted from a larger firm. Committee terms of reference, decision rights, escalation routes, management information that supports a decision, and a clear record of who owns which risk.

Commercial terms

Three ways to engage

Scale up when a deadline or review lands, scale back when it doesn't. No minimum term on hourly work.

Model 01

Hourly

For a defined piece of work — a contract to review, a policy to draft, a question that needs answering properly. Billed for time used, with an estimate agreed before work starts.

£100Per hour
Model 02

Fixed weekly hours

An agreed number of hours each week, on set days. Suits firms carrying a programme of work — a remediation, an authorisation, a policy suite rebuild — without hiring for it.

£100Per hour · set weekly
Model 03

Monthly retainer

Ongoing compliance capacity for firms that need it available rather than scheduled. Covers advice on demand, drafting, regulatory updates and attendance at governance meetings.

£5,000–£7,500Per month · scoped

Retainer scope is set at the outset and reviewed quarterly. If the work consistently sits below the scope agreed, the retainer is adjusted down rather than absorbed.

Fit

Built for firms without a compliance department

  • Consumer credit firms — brokers, lenders and intermediaries
  • Insurance intermediaries and appointed representatives
  • Firms preparing an FCA authorisation or variation of permission
  • Growing businesses whose policies have not kept pace with headcount
  • Boards that need governance documented before a review, audit or transaction

Most firms don't fail a review because they were doing the wrong thing. They fail because they couldn't show what they were doing.

LexPoint Advisory

Sequence

How an engagement runs

Step 01

Call

Thirty minutes to establish what is in scope, what the deadline is, and whether LexPoint is the right fit.

Step 02

Scope

A written summary of the work, the model it sits under, and what you receive. Nothing starts before you agree it.

Step 03

Deliver

Drafting and review, with progress visible as it goes rather than a single handover at the end.

Step 04

Embed

Walkthrough with the people who have to use it, and a record of the decisions taken along the way.

Before you call

Straight answers

No. LexPoint Advisory is a consultancy, not a firm of solicitors, and is not regulated by the Solicitors Regulation Authority. Contract drafting and commercial legal support of this kind is not a reserved legal activity, and is provided by experienced legal counsel.

LexPoint supports the person holding that responsibility rather than replacing them. Where a firm needs a named individual under the Senior Managers and Certification Regime, that appointment sits inside your firm.

Frequently the documents exist and the evidence doesn't. A short review will tell you which of the two positions you are in, and that review is chargeable at the hourly rate with no obligation beyond it.

Hourly work usually begins within a few days of the scope being agreed. Retainers start at the beginning of the following month unless there is a deadline that makes that unworkable.

Advice is given on the UK regulatory regime — FCA rules and UK data protection law. Firms based elsewhere with UK operations or UK customers are within scope.

Next step

Start with a call

Thirty minutes, no charge. Bring the problem you are actually trying to solve — a deadline, a review, a contract, a gap you already know about.