41:I[185,["/_next/static/chunks/2ys9ev5m3_24i.js","/_next/static/chunks/3pomb8r7ja54n.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/178kgr5-cejk9.js","/_next/static/chunks/1v5ewlr55okcj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"SendEmailButton"] 43:I[63625,["/_next/static/chunks/2ys9ev5m3_24i.js","/_next/static/chunks/3pomb8r7ja54n.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/178kgr5-cejk9.js","/_next/static/chunks/1v5ewlr55okcj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"AddToLibraryButton"] 44:I[29721,["/_next/static/chunks/2ys9ev5m3_24i.js","/_next/static/chunks/3pomb8r7ja54n.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/178kgr5-cejk9.js","/_next/static/chunks/1v5ewlr55okcj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"ShareButton"] 45:I[58016,["/_next/static/chunks/2ys9ev5m3_24i.js","/_next/static/chunks/3pomb8r7ja54n.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/178kgr5-cejk9.js","/_next/static/chunks/1v5ewlr55okcj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"ProcessEpisodeButton"] 46:I[45269,["/_next/static/chunks/2ys9ev5m3_24i.js","/_next/static/chunks/3pomb8r7ja54n.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/178kgr5-cejk9.js","/_next/static/chunks/1v5ewlr55okcj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"SignupCTA"] 39:["$","time",null,{"dateTime":"2026-07-10T05:00:00.000Z","children":"July 10, 2026"}] 3a:["$","span",null,{"aria-hidden":true,"children":"·"}] 3b:["$","span",null,{"children":"00:45:54"}] 42:T46e,

Consumer Duty is turning three, and the FCA's message is clear: the grace period is over.

In this episode, Paul, Russ, and Pat break down the FCA's new Enforcement Watch 2 report, then dig into our first teardown: a hands-on review of the bank switching journey across three UK current account providers, run through our UX Duty tool.

Loud offers, quiet conditions, missing debt advice signposting, and 205 findings later, here's what good, and bad, Consumer Duty compliance actually looks like in the wild.

Chapters:

00:00 Introduction and Current Events

01:46 Discussing the FCA enforcement watch 2 update

06:12 Teardown of Bank Switching Process

09:06 The methodology for the research

11:18 Exploring the findings

16:19 Loud offers with quiet conditions

24:16 Looking out for financial distress

26:36 Switching in versus switching out

29:17 Dealing with vulnerability

32:30 The Language of Finance

37:31 Standardising financial product comparison

41:13 Wrapping up the findings

42:50 Jargon Busters: Hedging