BNPL Consumer Duty · 15 July 2026

Your marketing says ‘no hidden fees.
The FCA may disagree.

Structured review of fintech marketing against Consumer Duty obligations. Rule citations. Risk ratings. Required revisions. A document your compliance team can act on.

days remainingFCA BNPL DEADLINE · 15.07.2026
Request a free homepage review →
ACA  ·  Big 4 Financial Services Audit  ·  FCA Consumer Duty
buynow.co.uk
BuyNow
Shop today, pay later.
No hidden charges.
Instant approval guaranteed.
COBS 4.5.2R(4) — benefit-only framing; material fee omitted at point of promotion
FG22/5 §4.21 — unsubstantiated absolute claim
2 findings identified · Risk: HIGH
Your marketing team thinks compliance has signed off.
Your compliance team thinks marketing owns it.
The FCA requires both to be right.

Consumer Duty’s communications rules apply to every customer-facing statement. The gap between your marketing and your compliance function is where regulatory findings are born.

A findings note. Not a conversation.

You submit a URL. You receive a structured document.

Submit your homepage URL

Takes 30 seconds. No account. No sales call.

Receive your findings note

Rule citations against every identified issue. Risk rated HIGH / MEDIUM / LOW.

Your compliance team acts

A practitioner document, not a vague recommendation.

Specimen Finding

This is what a ClearDuty finding looks like.

CLEARDUTY · CONSUMER DUTY ASSURANCE NOTE Ref: CD-001 | Status: SPECIMEN
Finding
Homepage states No hidden charges while a £1.50 Snooze fee is disclosed only at checkout.
Rule Citation
COBS 4.5.2R(4) PRIN 2A.3.3R FG22/5 §4.19
Risk Rating
HIGH
Required Revision
Remove the claim, or qualify: No unexpected charges when you pay on time — with a persistent link to the full fee schedule at the point of promotion.

This is one finding from a single homepage review. Most homepages generate three to six.

Not a compliance agency. Not a law firm.

Big 4 financial services audit.
ACA qualified.
Five years reviewing how regulated firms demonstrate compliance with FCA obligations.

My work involves understanding how regulated firms manage risk and meet regulatory obligations. I started noticing that most fintechs have no rigorous process for reviewing whether their marketing actually meets FCA standards. ClearDuty is the structured methodology I built to fix that.

Request your free homepage review

Before 15 July. No retainer. No pitch. Just findings.

You will receive a structured findings note within 5 working days. This is a practitioner assessment, not legal advice.