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FairLedger
The Annual Board Pack

The one artefact your board, your compliance function and your FCA supervisor all recognise as defensible.

Sample format

Structured for the reader who will be asked to defend it.

An anonymised representation of the annual pack structure. Every section is generated from the two evidence engines with a human review layer.

Confidential · Board Pack
Consumer Duty
Annual Evidence Pack
[Firm name]Reporting period 2026
  1. I
    Executive Summary
    Board-level narrative with headline outcomes for the reporting period.
  2. II
    Price & Value Evidence
    Per-product, per-segment fair-value analysis with methodology reference.
  3. III
    Products & Services Evidence
    Target-market alignment, utilisation and mis-selling risk signals.
  4. IV
    Methodology Appendix
    Full documentation of the calculation approach and version history.
  5. V
    Data Lineage Appendix
    Sources, ingestion cadence and provenance for every input series.
Inside a section

Every metric is defensible from the ingested data alone.

An anonymised representation of a single fair-value evidence page. Every calculation traces to a methodology version and a data lineage entry in the appendices.

Section II · Price & Value

Cross-border transfer — retail segment

Reporting period: FY26 · Methodology v2.1 · Data snapshot 2026-03-31

FX margin (median)
0.68%
▼ 0.11pp YoY
Fee load (avg)
£2.14
▲ £0.08 YoY
Value score
82 / 100
▲ 4 pts YoY
Segment fair-value distribution
Low valueMedianHigh value
Finding — Green. Retail cross-border pricing is within fair-value tolerance across all target-market segments. Outlier cohort (n=112) flagged for Section III review.
Methodology ref
FV-METH v2.1 §4.2

Margin-based fair-value calculation, adjusted for segment cost-to-serve.

Data lineage
DL-2026-Q1-INT-04

Source: transactions ledger, pricing catalogue v11, FX reference feed.

Sign-off
Consumer Duty Champion · Compliance
What the board pack contains

An executive summary, two evidence sections and two appendices.

The pack is designed to be read cover-to-cover by a Consumer Duty Champion in a single sitting, and referenced section-by-section by the FCA.

How it is generated

Automated from the two engines. Version-controlled. Audit-trail-complete.

Each edition of the pack is generated from a known snapshot of ingested data and a specific methodology version. A human review layer sits between engine output and pack publication — nothing is finalised without the compliance function's sign-off.

How it withstands scrutiny

Methodology transparency and calculation reproducibility.

Every calculation in the pack is reproducible from the appendices. Data lineage is explicit. Methodology is versioned. Independent validation is designed into the posture, not bolted on.

Discovery call

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A discovery call runs 30 minutes and covers your Consumer Duty evidencing approach, the FairLedger fit and the design partner terms.

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