Senior Managers & Certification Regime (SM&CR) Manual — July 2026 (V6)
A comprehensive, FCA-aligned compliance manual covering the Senior Managers and Certification Regime (SM&CR) for UK financial services firms, including mortgage brokers, insurance brokers, and insurance claim handlers. This manual explains the Conduct Rules (Individual and Senior Manager), the Certification Regime (CF1–CF8 functions, fitness and propriety assessments, and certificate requirements), the Senior Managers Regime (Statements of Responsibilities, Prescribed Responsibilities, and the 12-Week Rule), and Employment Requirements (regulatory references, criminal record checks, and FCA Register obligations).
Updated to reflect the Consumer Duty’s integration with SM&CR, including the new Conduct Rule 6 on delivering good outcomes for retail customers. Ideal for compliance officers, MLROs, HR teams, and Senior Managers needing a practical, regulator-ready reference for SM&CR obligations.
FORMAT: All documents are downloadable via email upon receipt of payment.
Written & reviewed by the Ecompli founder — With over 20 years in financial services and having founded Ecompli in 2006, our compliance documents are written by a specialist with hands-on expertise in FCA regulation across the mortgage, general insurance, equity release, and insurance claims handling sectors. Every guide and template is personally developed to turn complex regulatory requirements into clear, practical tools your firm can actually use.
There are plenty of free templates and AI-generated documents available online. The challenge is knowing whether they genuinely reflect FCA requirements, align with Consumer Duty expectations and work in practice for your firm. Our documents are written by Ecompli’s founder and are designed specifically for regulated firms. Every manual, register and template is created to provide practical, usable guidance that supports implementation, helping firms move beyond theory and into demonstrable compliance.
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