Yourpracticesofferfinanceinyourname.Know exactly what they say.
Curvestone reads every practice finance page against CONC and your approved wording, then shows your team the ones that need action: a missing representative example, a practice that calls itself the lender, or one that has started to advise.
An introducer may only introduce.
An IAR may introduce patients and pass on the promotions you approve, and nothing more. If a practice page starts to advise on finance, or to arrange it, the FCA can treat that as a failure of your oversight. Its guide for credit brokers gives regular reviews of IAR websites as good practice.
An introducer may only introduce.
An IAR may introduce patients and pass on the promotions you approve, and nothing more. If a practice page starts to advise on finance, or to arrange it, the FCA can treat that as a failure of your oversight. Its guide for credit brokers gives regular reviews of IAR websites as good practice.
What we look for on every practice finance page.
Every page is read against the rulebook, with your own approved wording and standards on top.
Representative example
Wherever a rate, 0% or a monthly cost appears, a complete representative example sits beside it.
CONC 3.5
APR prominence
The representative APR is at least as prominent as any other rate or cost figure on the page.
CONC 3.5
Broker, not lender
The practice is described as introducing to a credit broker, and never as the lender.
CONC 3.7
IAR scope
The practice introduces finance. It does not advise on finance products or arrange credit itself.
IAR scope
No approval promises
No 'guaranteed approval', 'no credit checks' or 'everyone accepted' claims.
CONC 3.3
No urgency around treatment
Finance is not used to rush a patient into treatment, for example a limited-time finance offer.
Consumer Duty
Interest-free offers
0% and interest-free offers state their conditions, the term and any deposit.
CONC 3.3
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 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 Finance Ltd
02FCA Register
- Kramerica DentalIAR
- Holby Dental CareIAR
- Ambridge OpticalIAR
- and the rest of your representatives
03Websites found
- kramericadental.co.ukNot on your list
- holbydentalcare.co.uk
- ambridgeoptical.co.uk
04Pages read
kramericadental.co.uk
- /
- /treatments
- /finance
- /contact
05Finding
Representative example missing
“0% finance available. From £49 a month.”
kramericadental.co.uk/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.