CLAIMS MANAGEMENT COMPANIES
Compliance Manual Template
The complete compliance framework for FCA-authorised CMCs. Updated with the January 2025 Portfolio Letter, Consumer Duty, motor finance requirements, and all regulatory changes.
✓ Word Format (NOT PDF)
✓ Instant Download
✓ FCA 2025 Updates
The FCA Is Watching CMCs Closely
In January 2025, the FCA published its Portfolio Letter to Claims Management Companies, setting out priority areas for the next two years. Key findings from recent FCA reviews:
90% of CMCs were found non-compliant with lead generation requirements (CMCOB 2.2)
740+ misleading adverts removed or amended following FCA intervention since 2024
230,000+ ICO complaints about CMC marketing practices since January 2025
Multiple enforcement actions against CMCs with poor service standards
Is your compliance manual up to date?
Does This Sound Familiar?
You’re running a Claims Management Company in an increasingly challenging regulatory environment. The FCA expects you to have a comprehensive, up-to-date compliance manual – but where do you start?
Without a proper compliance manual, you’re exposed to:
- FCA supervisory scrutiny and potential enforcement action
- Breaches of Consumer Duty that harm customers and your reputation
- Non-compliance with CMCOB that the FCA is actively monitoring
- Weeks of research trying to understand the latest requirements
- Expensive consultant fees that can run into thousands of pounds
And if you’ve found a template online, chances are:
- It’s a locked PDF you can’t edit or customise
- It’s designed for investment firms or insurers, not CMCs
- It’s out of date and doesn’t cover the January 2025 FCA letter or Consumer Duty
- It doesn’t understand the unique requirements of CMCOB
A Compliance Manual Built Specifically for CMCs
Our CMC Compliance Manual Template is purpose-built for Claims Management Companies authorised by the FCA. It’s not a generic FCA template adapted for CMCs – it’s designed from the ground up around CMCOB and CMC-specific regulatory requirements.
This is NOT a generic FCA template. This is NOT for investment firms, mortgage brokers, or insurers.
1️⃣ Fully Editable Word Document
This is a genuine Microsoft Word document – NOT a locked PDF.
You can:
- Add your company name using Find & Replace
- Insert your logo and branding
- Customise policies to match your business model
- Remove sections that don’t apply to your permissions
- Update content as regulations change
- Open in Word, Google Docs, or LibreOffice
Why this matters: PDFs are useless when you need to adapt content. Our Word format lets you make the manual truly yours and keep it updated over time.
2️⃣ December 2025 Regulatory Updates
This template incorporates every major regulatory development affecting CMCs:
DMCCA 2024 – New FCA enforcement powers
FCA Portfolio Letter (January 2025) – All supervisory priorities addressed
Consumer Duty (Principle 12) – CMC-specific implementation requirements
Motor Finance Claims – PS24/18 temporary rules, October 2025 Dear CEO letter
Lead Generation (CMCOB 2.2) – Enhanced due diligence requirements
Financial Promotions – Updated guidance on misleading advertising
The Halo Effect – February 2024 unregulated claims guidance
Operational Resilience (PS21/3) – March 2025 deadline requirements
SMCR for CMCs – PS19-09 implementation
ICO Enforcement Focus – Data protection and marketing compliance
3️⃣ Save Weeks of Work & Thousands of Pounds
Creating a CMC compliance manual from scratch means:
- Reading and interpreting CMCOB, DISP, SYSC, PRIN, and SUP
- Analysing FCA Portfolio Letters, Dear CEO Letters, and Policy Statements
- Understanding how Consumer Duty applies to claims management
- Researching ICO requirements for marketing compliance
Typical time investment: 60-100 hours
Consultant cost for bespoke manual: £8,000 – £25,000
Our template: Instant download, ready to customise in hours.
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What’s Included – 20 Comprehensive Sections
Our template covers everything the FCA expects from a CMC compliance manual:
| Section | Content |
| 1 | Introduction – Regulatory status, December 2025 updates summary |
| 2 | Your Responsibility – Staff obligations, conduct risk |
| 3 | Regulatory Environment – FCA objectives, 12 Principles table, CMCOB |
| 4 | Consumer Duty – Principle 12, four outcomes, CMC-specific requirements |
| 5 | SMCR – Senior managers, certification regime, conduct rules |
| 6 | CMC Conduct Requirements – CMCOB 2, investigating claims, lead generation, motor finance |
| 7 | Financial Promotions – CMCOB 3, misleading advertising, halo effect |
| 8 | Pre-Contractual Requirements – CMCOB 4, signed statements, customer understanding |
| 9 | Fee Restrictions – PPI 20% cap, exit fees |
| 10 | Client Money – CMCOB 6, segregation, reconciliation |
| 11 | Operational Resilience – PS21/3 requirements |
| 12 | Anti-Money Laundering – MLR 2017, MLRO, CDD/EDD |
| 13 | Data Protection – UK GDPR, ICO enforcement, consent |
| 14 | Complaints Handling – DISP, Claims Management Ombudsman |
| 15 | Training & Competence – Induction, ongoing, records |
| 16 | Conflicts of Interest – Policy, gifts & hospitality |
| 17 | Notifications to FCA – SUP 15, RegData |
| 18 | Record Keeping – Retention periods, security |
| 19 | Breach & Enforcement – FCA powers, DMCCA 2024 |
| 20 | Compliance Monitoring – Programme, reporting, KPIs |
PLUS Appendices:
- Key Contacts (FCA, Claims Management Ombudsman, ICO, NCA)
- Key Legislation & Regulations with links
- Staff Attestation form
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This Template Is Perfect For:
- FCA-authorised Claims Management Companies
- CMCs handling financial services claims (PPI, investments, pensions)
- CMCs handling personal injury claims
- CMCs handling housing disrepair claims
- CMCs handling employment claims
- Lead generators with CMC permissions
- Firms applying for CMC authorisation
- Compliance officers updating their existing CMC manual
- Consultants supporting CMC clients
⚠️ This template is NOT for:
Investment firms, mortgage brokers, payment services firms, insurance intermediaries, or consumer credit firms. We have separate templates for those sectors – this one is CMC-specific.
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Frequently Asked Questions
Get Your CMC Compliance Manual Today
Instant download. Fully editable. December 2025 FCA updates included.
✓ 20 comprehensive sections
✓ Consumer Duty, motor finance, lead generation covered
✓ FCA Portfolio Letter January 2025 requirements
✓ Editable Word format (NOT PDF)
✓ One-time purchase, no subscription
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🏆 Trusted by FCA-authorised firms since 2000
📜 Written by QCF Level 6 qualified compliance specialists
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Questions?
Call 0800 689 0190 or email info@complianceconsultant.org