GrowyourARbookwithout growing the reading.
Oversight is what you sell, so every AR you take on adds websites to read. Curvestone reads each AR's site against the rulebook it works under, CONC or ICOBS, and shows your oversight managers only what needs action.
Your AR count is your revenue. It is also your workload.
Every AR you host trades under your permissions, and under SUP 12 you answer for its website as if it were your own. Hosts cover dealers, brokers and retailers at once, so one AR book can need credit and insurance rules side by side.
Your AR count is your revenue. It is also your workload.
Every AR you host trades under your permissions, and under SUP 12 you answer for its website as if it were your own. Hosts cover dealers, brokers and retailers at once, so one AR book can need credit and insurance rules side by side.
What we look for across a mixed AR book.
Every page is read against the rulebook, with your own approved wording and standards on top.
Representative example
Rates and monthly prices come with a complete representative example.
CONC 3.5
Commission disclosure
Dealers say they may receive commission from lenders, and how it may affect the deal.
CONC 4.5
Broker status
The firm is described as a broker, not the lender, with the extent of its lender relationships.
CONC 3.7
Insurance status
Where an AR sells insurance, the site says whose representative it is and for whom it acts.
ICOBS 4
Cover and price claims
GAP, warranty and other cover claims are accurate, and 'from £X' prices state their basis.
ICOBS 2.2
Status statement and FRN
The site names you as principal, says you are authorised and regulated by the FCA, and quotes a valid FRN.
GEN 4
Rule references are to the FCA Handbook. Sources: FCA regulatory guide for credit brokers, section 9 · FCA Handbook, ICOBS 2.2 · FCA review of principal firms, September 2024
One report for each website.Every check, and the finding behind it.
Each representative's site gets its own report: the pages read, every check for your segment with its status, and each finding with the page, the exact words, the rule and a screenshot. Your reviewer approves or dismisses each finding from there.
From your FRN to the pages that need action.
01Your FRN
FRN 000000
Wernham Hogg Compliance Ltd
02FCA Register
- Arkwright & Granville MotorsAR
- Trotters Independent MotorsAR
- Grace Brothers FurnitureAR
- and the rest of your representatives
03Websites found
- arkwrightgranvillemotors.co.ukNot on your list
- trottersindependent.co.uk
- gracebrothersfurniture.co.uk
04Pages read
arkwrightgranvillemotors.co.uk
- /
- /used-cars
- /gap-insurance
- /contact
05Finding
Cover claim needs its limits
“GAP cover from £5 a month. Covers everything.”
arkwrightgranvillemotors.co.uk/gap-insurance
Give us your FRN
We pull your appointed and introducer representatives from the FCA Register and find their websites. You confirm the list.
We read every page
Every page with finance or product wording is read against the rulebook your representatives work under, with your own approved wording on top.
You review what needs action
Each finding comes with the page, the exact words, the rule and a screenshot. Approve it or dismiss it. Your team makes every call.
Run it again
At onboarding, before the annual AR review, or on a schedule you set.
Decision support, never auto-decisioning.
Curvestone recommends. Your compliance team decides: on every finding, and on what goes to a representative.
- Every finding quotes the page and names the rule it was read against.
- A reviewer approves or dismisses every finding.
- Your own approved wording and standards sit on top of the rulebook.
- Findings stay in the UK and EEA, and your data never trains a foundation model. ISO 27001 and ISO/IEC 42001 certified.
- Built on the platform UK mortgage and wealth networks already use for compliance and oversight.
What principals ask before the first meeting.
Other segments.
Watch a representative websiteget checked, line by line.
Book a demo and we'll check a site in your sector against your rulebook while you watch. There is nothing to integrate: it starts from your FRN.