Notes
Observations on expert work, intelligent systems and regulated marketing
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FINRA proposes moving beyond the approval queue
FINRA wants to replace the default principal pre-use approval requirement with risk-based supervision. The opportunity is faster communication; the harder task is proving why each asset received the scrutiny it did.
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Article 50 turns AI transparency into a workflow decision
The EU AI Act’s transparency rules begin to apply on 2 August. The difficult work is deciding which obligation applies, who owns it and how the reasoning will be preserved.
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The Exhale Coffee ruling: evidence is not permission
Exhale Coffee supported its marketing with research, laboratory testing and medical expertise. The ASA ruling shows why none of those things, alone or together, creates an authorised health claim.
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The EU AI Act is moving into company workflows
New data from nearly 3,000 companies shows the EU AI Act influencing corporate governance beyond Europe and changing how organisations evidence responsible-AI claims.
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Consumer Duty monitoring has to show what changed
The FCA’s latest review finds that collecting management information is not enough. Firms need a traceable path from customer evidence to decisions, action and a measured result.
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The PM’s AI Taskforce faces the second-use-case test
Lord Vallance has been given direct authority to drive the government’s AI strategy. The harder test is whether evidence and judgement from one deployment make the next easier to govern.
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How US bank marketers are putting AI to work
Data reveals where bank marketers are applying AI, how they access it and why the most valuable applications remain the hardest to implement.
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Marketing is becoming the test of organisational AI
US Census analysis suggests marketing is where many firms begin with AI and where some remain. For regulated teams, that makes the function an early test of how adoption is governed.
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AI adoption is rising faster than organisational capability
ONS data shows AI use spreading quickly across UK business. The more valuable task for marketers is turning isolated use into well-governed organisational capability.
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The missing layer in agentic marketing
BCG's 2026 CMO Survey shows that adopting AI tools is not the same as transforming marketing. In regulated industries, the missing layer is organisational intelligence.
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The creator economy is coming for regulated professions
Expertise is increasingly discovered through content. Regulated professionals have a significant opportunity, but publishing at scale changes the demands on judgement, evidence and review.
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AI governance in financial services needs a human test
The Mills Review exposes a weakness in many AI strategies: putting a person in the loop is not enough. Accountable delegation requires a far more deliberate operating model.
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FCA regulatory strategy: the end of compliance at any speed
The FCA wants firms to make faster, better-evidenced decisions about risk. For marketing and compliance leaders, that demands a better operating model, not lower standards.
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AI in financial services has moved beyond the pilot problem
The UK’s financial services AI plan reveals that the hardest part of adoption is no longer proving the technology. It is turning regulatory principles into repeatable decisions.