What's in Anna's 8-section Application Requirements Report?
Pick an activity (e.g. Credit Broking Full), click View Report. Anna returns: (1) Executive Summary with permission type, SM&CR category, capital and fee, (2) Regulatory Business Plan Requirements with 7 verbatim FCA quotes on what the plan must demonstrate, (3) Governance & Responsible Individuals with the specific SMFs required (SMF1/3/16/17/27/Chair for Core SM&CR), (4) Permissions & RAO Scope with correct Article numbers and scope qualifiers, (5) Capital & Financial Requirements, (6) Application Fees & Ongoing Costs citing FEES 3 Annex 1 Category, (7) Compliance Framework Requirements and (8) Common Pitfalls & FCA Expectations with verbatim processing-time quotes. Generated in under 30 seconds.
Are Anna's answers actually FCA-correct, or does she hallucinate?
Anna's generation instructions are the most defensive in the platform. RAO Articles are fixed (36A for Credit Broking, 39D Debt Adjusting, 39E Debt Counselling, 60B Entering Credit Agreements). SMF role mappings are constrained to the FCA register (SMF3 is for Executive Directors, not always required). FEES 3 Annex 1 Categories are referenced, not guessed, and any non-substantive commentary is stripped before the report renders. Anna also runs with web search enabled against fca.org.uk to keep fees and activity-specific guidance current.
Does Anna draft my actual Regulatory Business Plan?
Yes. Section by section, from your firm data. Business model and strategy, customer journey, target market analysis, activity-specific services description, lender/partner arrangements (credit), risk framework, systems architecture, marketing & acquisition, three-year financials, stress testing. The scaffold is laid out with the verbatim FCA expectation attached to each section. You can edit, regenerate, or accept Anna's draft. Critically: you retain accountability for what's submitted. Anna drafts, you sign.
Is regeneration expensive or credit-gated?
No. Every Anna call on Application Tracker runs at zero credit cost. Regenerate as many times as you like. Anna usage is baked into the subscription. Once generated, the full report is saved to the application record. Re-opening it later renders the same report instantly — no wait.
Which FCA regulated activities are supported?
All 72. The full FCA regulated-activity universe. Consumer Credit & Debt (17 including Credit Broking Full/Secondary, Consumer Credit Lending, Debt Adjusting, Debt Counselling, Debt Collecting, Motor Finance), Investment & Capital Markets (16 including Dealing Principal/Agent, MiFID Arranging, Managing, MTF/OTF, Fund Manager), Insurance Distribution (8), Mortgages & Home Finance (9), Payment Services (5), E-Money (2), Banking (Accepting Deposits), Benchmarks, Funeral Plans, Claims Management, Crowdfunding. Each activity has its own RAO Article map, SM&CR requirement, fee Category and document checklist.
Does it cover Variations of Permission and individual SMF applications?
Yes. The same 4-stage lifecycle (Preparation, Submission, Assessment, Authorised) and the same Anna blueprint generator cover Full Authorisations, VoPs (adding, removing or modifying permissions), individual SMF Form A / D / E applications, and Appointed Representative registrations. One module, every FCA paperwork event your firm will ever file.
How does the 41-item document checklist work?
Anna generates the document checklist per activity. Credit Broking Full produces 41 items across 8 canonical categories (Application Forms, Regulatory Business Plan, Financial Documentation, Governance, Policies, plus activity-specifics like Affordability/Creditworthiness for credit, Safeguarding for payment firms, Best Execution for investment firms). Each row tracks upload state; files land directly in your Document Library. Switch activity, Anna regenerates the whole checklist.
How does the RAO Article map work?
Anna's guidance panel shows the RAO Articles you might need, with scope qualifiers. Credit Broking: “36A, plus 39D if you assist with debt arrangements, 39E if you provide debt advice, 89A if you share credit scores.” Your right-hand Selected Permissions panel holds the Articles you're actually applying for. A clear separation between Anna's guidance (what might apply) and your firm's declared scope (what you're asking the FCA for). Each chip is removable, each add opens a picker.
How accurate are the application fees?
Anna maps each activity to its FEES 3 Annex 1 Category. Most consumer credit Full Permissions are Category 3 at £1,500. The narrative Anna call runs with web search enabled against the live FEES 3 Annex 1 page, so annual fee updates flow through without a platform release. All fees are labelled non-refundable per the FCA's own guidance. If the FCA reclassifies a Category, the next Anna generation picks it up.
How much does Application Tracker cost?
Included with every RegTechPRO subscription — no separate module fee, no per-application cost. Anna usage is included and regenerations are credit-free. Subscription starts from £250/month for one premium module; the always-included foundation (including Application Tracker) comes with every subscription. See
regtechpro.co.uk/pricing.
Do I need other RegTechPRO modules for this to work?
Application Tracker pulls from People Compliance (for SMF Holders) and Firm Compliance (for firm records). Both are Core. A firm already on the RegTechPRO platform with those modules active will find Application Tracker prep much faster: existing SMFs drop into applications via a dropdown rather than being re-entered. A brand-new firm can start with Application Tracker alongside the Core subscription.
How long does setup take?
Under an hour. Pick your firm, pick your activity type from the 72-entry registry, let Anna generate the Application Requirements Report, start working through the Documents / People / Permissions / FCA Status sub-tabs. No migration, no consultant to “design the framework”. The first Anna generation is your working blueprint. From there it's execution.
I'm a compliance consultant. Can I run this across multiple clients?
Yes. It's one of the module's strongest use cases. Each client has its own workspace with its own applications, its own document checklists, its own 180-day trackers. You run the production line; each client retains accountability. The cross-module reads from People Compliance and Firm Compliance mean your “3 SMFs, firm details, AR network” setup is a one-time job per client, reused on every application they file.
How does the 180-day FCA Status tracker work?
Once an application moves from Preparation to Submission, the FCA Status sub-tab captures the regulator-facing record: submission date, FCA case reference, named case officer, acknowledgement date, expected decision date (auto-calculated as submission + 180), days elapsed. A full-width Assessment Timeline progress bar shows your position against the statutory 180-day SUP 6 window. That produces the sentence your board wants in monthly updates: “we're 73 days in, decision expected in 107, case officer is X”. A board artefact most firms currently assemble manually.
Does the SMF Holders list integrate with People Compliance?
Yes. This is the enterprise-sales story. The “Select person to add” dropdown reads the People Compliance JotForm (FORM_ID 242142830195351). If Matt, Amy and John are already set up as SMFs in People Compliance, with Fit & Proper Green, SoR complete and CPD tracked, they drop into the Application Tracker in one click. No re-entry. One source of truth across every module that references them. Firm Compliance feeds the Select Firm dropdown the same way.
What happens to the Anna report after I've opened it once?
The full generated report is saved to the application record. Re-opening the application a week later renders the same report instantly — no wait. If you switch activity or explicitly regenerate, Anna re-runs both calls in parallel and overwrites. Generate once, view freely forever.
What does the Export Report button produce?
Today: a structured export of the application data covering firm, activity, stage, permissions, checklist, SMF holders and notes. Useful for backup, handoff to a consultant, or re-importing into a future application. A polished PDF preparation pack (Anna report + checklist + SMF table + RAO Articles + uploaded-document index) is on the build list as APP18 and will land in a forthcoming release.
