Test your Consumer Duty training against what the FCA has said in its rules, guidance and reviews. Get a score out of 20, the gaps to close and what to do about each, with a source for every point.
Based on PRIN 2A, FG22/5, FG21/1 and FCA reviews up to July 2026. Nothing you enter leaves your browser.
Answer for the training your firm runs today. "Partly" means it is true for some roles or some of the time.
There is no rule headed "Consumer Duty training", but three parts of the FCA's framework make it hard to comply without it.
PS22/9 says the training firms give staff should enable them to understand their obligations under the Duty and the individual conduct rules. Read PS22/9.
"You must act to deliver good outcomes for retail customers." Section 64B of FSMA says the steps firms take on the conduct rules include suitable training. COCON 2.1.
SYSC 5.1 requires firms to employ people with the skills, knowledge and expertise their responsibilities need. SYSC 5.1.
A shared foundation for everyone, then content for each group. Vulnerability belongs in every row.
| Group | What their training should focus on |
|---|---|
| Board and senior managers | Reading outcome data, challenging the annual board report, culture and incentives |
| Frontline and customer service | Complex conversations, spotting vulnerability, consumer support, avoiding sludge |
| Product and design | Product governance, target markets, fair value, the needs of vulnerable customers |
| Marketing and communications | Consumer understanding, testing communications, clear pricing information |
| Complaints, risk and compliance | Outcome monitoring, root cause analysis, acting on what the data shows |
There is no standalone rule headed Consumer Duty training, but in practice you cannot comply without it. PS22/9 says the training firms give staff should enable them to understand their obligations under the Duty and the individual conduct rules, section 64B of FSMA expects suitable training on the conduct rules, and SYSC 5.1 requires staff to have the skills, knowledge and expertise their roles need.
Almost everyone in a firm that serves retail customers. The FCA's guidance says the individual conduct rules apply to almost all employees except ancillary staff, and boards should make sure people throughout the firm, including control and support functions, understand their role in delivering the Duty.
The FCA does not set a frequency. Update training when products, processes or FCA findings change, and many firms review their programme alongside the annual board report.
No. FG22/5 points to training and competence records, including remedial action, and the FCA's July 2026 review criticised training that is not reflected in behaviour. Report results by role and team and set them next to outcome data such as quality checks and complaints.
No. We build Consumer Duty training around your own products, customers and procedures, with role-based scenarios and LMS reporting by role and team. Updates go live within 48 hours.
The FCA consulted on the Duty's scope and proportionality in CP26/23 and expects to publish a policy statement and any new rules in the first quarter of 2027. None of the proposals reduce what it expects from training for retail-facing staff.
Read our full guide to Consumer Duty training and what the FCA expects, or download the 10 checks as a PDF.
Checked against the FCA Handbook, FCA publications and legislation.gov.uk in October 2026. This page is general information, not legal or compliance advice.
We build Consumer Duty training from your own products, customers and procedures, with role-based scenarios, assessments that test judgement and LMS reporting by role and team for your board report.
No charge, no obligation.