For UK financial services firms deploying AI agents.
Clarent provides audit and accountability infrastructure for AI agents in UK-regulated financial services. From a single platform you can demonstrate Consumer Duty compliance, SMCR accountability, and SS1/23 model governance.
Designed for SMF4, SMF24, and Heads of Compliance at FCA-regulated firms.
Built for FCA Principle 2A (Consumer Duty), SMCR, PRA SS1/23, and the DUA Act 2025. Maintains a 10-year audit trail.
What Clarent does
From raw telemetry to a regulator-ready audit pack, without touching your data.
Telemetry ingestion
Receive structured trace data from any AI agent framework via OTLP. Works with LangChain, LlamaIndex, AutoGen, and bespoke agents.
Decision chain reconstruction
Spans are stitched into complete, ordered decision chains, including sub-agent delegations, tool calls, and human escalations.
Regulatory policy evaluation
Every decision node is evaluated against Consumer Duty, SMCR, and SS1/23 rules. Immutable verdict records, signed with HMAC-SHA256.
Audit pack generation
Generate regulator-ready PDF audit documentation for any individual run, agent workflow, or firm-wide time period, in seconds. Three pack types: single-run, workflow, and firm-wide.
SMF accountability mapping
Every decision traces to a named Senior Manager. SMCR obligations are verified automatically, with escalation chain validation.
Vulnerable customer protection
FG21/1 vulnerability flags are detected and enforced. Autonomous adverse decisions against vulnerable customers trigger immediate breach alerts.
How it works
No manual tagging. No compliance consultants. No waiting.
Connect your agents
A lightweight SDK integration captures every decision, tool call, and sub-agent delegation across your entire multi-agent system. PII is scrubbed in-process before any data leaves your environment.
Clarent maps the decision chain
Every agent interaction is reconstructed into a complete, ordered accountability chain. Each step is traced to a named Senior Manager, evaluated against Consumer Duty, SMCR, and SS1/23, and cryptographically signed for tamper-evidence.
Audit-ready on demand
A regulator-ready audit pack is available on demand for any agent run, workflow, or firm-wide time period. The pack contains the complete accountability chain, immutable verdict records, and named SMF ownership.
Regulatory coverage
Every policy engine rule maps to a named FCA or PRA obligation. This is not generic compliance tooling.
fca prin 2a
Consumer Duty
In force July 2023. The FCA's April 2025 AI Update confirmed Consumer Duty applies directly to AI-enabled customer journeys. Clarent covers all four outcome areas.
fca / pra
SMCR, the Senior Managers Regime
Every autonomous decision traces to a named SMF-holder. Clarent validates accountability chains and escalation depth automatically.
pra ss1/23
Model risk management
Clarent verifies agent model versions, input envelopes, and token ranges against your validated model registry, producing SS1/23-compliant audit evidence.
dua act 2025
Data Use and Access Act
Genuine human override availability is verified for every autonomous decision. Fully aligned with the Act's strengthened automated-decision rights.
Regulatory timeline
Jul 2023
Consumer Duty in force
Creates the core obligation.
Apr 2025
FCA AI Update
AI agents explicitly in scope.
Jan 2026
Mills Review launched
Urgency intensifies.
Q3 2026
FCA agentic AI guidance expected
Hard compliance deadline.
Aug 2026
EU AI Act fully applicable
10-year audit trail required.
Live verdict example
Every agent run produces an immutable, signed verdict record. Here is what one looks like.
| Rule ID | Framework | Verdict | Notes |
|---|---|---|---|
| CD_SUPPORT_001 | Consumer Duty | COMPLIANT | Escalation node present |
| SMCR_001 | SMCR | COMPLIANT | SMF24 validated |
| SS123_003 | Model Risk | APPROACHING BOUNDARY | 4,891 / 5,000 token limit |
| DUA_001 | DUA Act 2025 | COMPLIANT | Override available at depth 2 |
| VULN_001 | Vulnerability | COMPLIANT | No vulnerability flag detected |
Insert quote from (hopefully) Digital Law UK.
Digital Law UK
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Get started
Speak to our team to see how Clarent fits your regulatory obligations. We work with UK financial firms that need FCA-compliant AI agent oversight.