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BC-2026-009 · Lead: Compliance · Sponsor: Amir Khan

Consumer Duty evidence hub

Critical priorityApprovedStart 2026
  1. Gate 1
    Business Case
  2. Gate 2
    Charters
  3. Gate 3
    ROI Overview
  4. Gate 4
    Submitted
  5. Gate 5
    Approved

Stage-gate decision

1 · Core business case

Central repository for fair-value assessments and customer outcome MI to meet Consumer Duty.

Benefits of doing it

  • Single source of outcome evidence
  • Board reporting in days, not weeks
£240k / yr

Cost of not doing it

Regulatory censure risk and manual effort across five teams.

£900k / yr

Strategic aims

Regulatory complianceRisk reduction

2 · Departmental charters

Each participating department signs a charter with its own mini business case and funding contribution.

Compliance£260k(50%)
Audit-ready evidence
Owns the framework.
✓ Signed
Amir Khan · 2026-08-14
Underwriting£130k(25%)
Fair-value pricing evidence
Supplies product MI.
✓ Signed
Lucy Grant · 2026-08-14
Finance£130k(25%)
Reduced reporting effort
Board pack automation.
✓ Signed
Tom Reid · 2026-08-14

3 · ROI overview

Total investment£520k
Annual benefit£240k
Payback2.2 yrs
3-year ROI38%
3-yr cost of inaction£2.70m

Funding position

Committed (signed)£520k
Pledged, unsigned£0
Funding gapFully funded
Outstanding sign-offs0

History

  1. 2026-07-15 · Approved
    Approved by ExCo
  2. 2026-03-01 · Business Case
    Case raised