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Client operations · Suitability reports

The recommendation, in writing

The suitability report is the one document a UK IFA writes that the FCA, the client and a compliance reviewer will all read against. The pieces here cover the structure, the framing decisions, the common rejection reasons, and the AI-assisted patterns that hold up in 2026.

Suitability reports are where the recommendation becomes the evidence. The COBS 9.4 structure plus Consumer Duty fair-value framing is now the working template. The pieces below cover the structural decisions, the language patterns that survive a quality-assurance review, and the disciplined use of AI assistance for drafting without compromising the file. Cluster sits inside Client operations; for the broader regulatory framework, see Regulatory & Compliance.

Articles

How to write a suitability report

A defensible structure under COBS 9.4 and Consumer Duty. Example wording, ATR + capacity-for-loss framing, the common compliance-review rejection reasons, and what to keep on the file.

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AI in suitability-report writing

What AI is good at when drafting a Section 21-compliant suitability report and where the human still has to do the work. The patterns that work in 2026 and the ones the regulator will flag.

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