<?xml version="1.0" encoding="UTF-8"?>
<reference anchor="I-D.veridom-omp-fca" target="https://datatracker.ietf.org/doc/html/draft-veridom-omp-fca-00">
   <front>
      <title>OMP Domain Profile: FCA Consumer Duty, SM&amp;CR Accountability, and AI Governance Evidence for UK Retail Financial Services</title>
      <author initials="T." surname="Adebayo" fullname="Tolulope Adebayo">
         <organization>Veridom Ltd</organization>
      </author>
      <author initials="O." surname="Apalowo" fullname="Oluropo Apalowo">
         <organization>Veridom Ltd</organization>
      </author>
      <author initials="F." surname="Makanjuola" fullname="Festus Makanjuola">
         <organization>Veridom Ltd</organization>
      </author>
      <date month="April" day="5" year="2026" />
      <abstract>
	 <t>   This document defines a domain profile of the Operating Model
   Protocol (OMP) for AI systems deployed in UK retail financial
   services contexts subject to the Financial Conduct Authority (FCA)
   Consumer Duty (PS22/9, effective July 31, 2023), the Senior Managers
   and Certification Regime (SM&amp;CR), and the FCA&#x27;s emerging AI
   accountability framework as informed by the Mills Review (2026) and
   the FCA&#x27;s research on algorithmic decision-making.

   The profile -- designated DutyMark -- specifies how OMP&#x27;s
   deterministic routing invariant, Watchtower enforcement framework,
   and three-layer cryptographic integrity architecture satisfy the
   evidence requirements for Consumer Duty outcome testing, SM&amp;CR named
   accountability, and FCA supervisory examination of AI-assisted retail
   financial services decisions.  The profile covers the four Consumer
   Duty outcome areas and FCA agent distribution oversight.

   The OMP core specification is defined in the Operating Model Protocol
   Internet-Draft (draft-veridom-omp).

	 </t>
      </abstract>
   </front>
   <seriesInfo name="Internet-Draft" value="draft-veridom-omp-fca-00" />
   
</reference>
