Everydealerandinstallerfinancepageisacreditpromotionwith your name on it.
Curvestone reads each one against CONC and your approved offers, and flags what needs fixing: missing commission disclosure, a rate with no representative example, or a 'pays for itself' claim nobody can back up.
The FCA calls regular IAR website reviews good practice.
Your representatives write their own copy around your finance, and the wording moves as their sites change. The FCA's guide for credit brokers gives two good-practice examples: approved wording that IARs use exactly as written, and regular reviews of IAR websites. A check shows which sites still use your wording.
The FCA calls regular IAR website reviews good practice.
Your representatives write their own copy around your finance, and the wording moves as their sites change. The FCA's guide for credit brokers gives two good-practice examples: approved wording that IARs use exactly as written, and regular reviews of IAR websites. A check shows which sites still use your wording.
What we look for on every installer, retailer and dealer site.
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
Finance types described correctly
PCP, HP and leasing are described accurately, including balloon payments and mileage limits.
CONC 3.3
Savings claims
'Pays for itself' and energy-saving claims beside a finance offer can be evidenced.
CONC 3.3
Broker status
The firm is described as a broker, not the lender, with the extent of its lender relationships.
CONC 3.7
No pressure offers
No 'today only' price or finance offers that push a customer to decide.
Consumer Duty
Current approved offers
Finance offers online match the offers you have approved today.
Your standards
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
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 Finance Ltd
02FCA Register
- Trotters Independent MotorsAR
- Arkwright Home ImprovementsIAR
- Grace Brothers FurnitureIAR
- and the rest of your representatives
03Websites found
- trottersindependent.co.ukNot on your list
- arkwrighthomeimprovements.co.uk
- gracebrothersfurniture.co.uk
04Pages read
trottersindependent.co.uk
- /
- /used-cars
- /car-finance
- /contact
05Finding
Commission disclosure missing
“PCP from £189 a month. We search our panel of lenders.”
trottersindependent.co.uk/car-finance
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.