If you are a UK broker reading this, here is the position you are in.
You are operating under three regulatory frameworks, Consumer Duty, the Senior Managers and Certification Regime, and UK GDPR, all three of which apply to AI tools the same way they apply to anything else you do in your firm. You probably already use AI in your daily workflow. You almost certainly do not have a documented policy for it, a vendor due diligence file for the tools, an audit log of what you put into them, or a defensible answer for the FCA if they ask how you control it.
I do not say this to alarm you. I say it because it is true, and because almost nobody in the industry is saying it out loud.
That is why this exists.
Who I am, briefly
I am Yasmin Gee. I have spent more than thirty years across software engineering, business operations, and broking, mortgage, commercial finance, and protection, both individual and business cover. I built systems before broking was digital. I brokered when the industry was still arguing about whether email replied to clients was professional. I have run firms, advised firms, and sat in compliance rooms watching the FCA reshape the perimeter three times.
In 2025, after looking closely at what AI could compliantly do for UK brokers, and at the regulatory exposure most are already carrying without realising it, I started to step away from active broking to lead AI for Brokers full-time.
I did not do that because I think AI is dangerous. I did it because I think the gap between what the FCA expects and what brokers are doing is widening fast, and somebody who understands both sides needs to close it before the first enforcement action lands.
What the industry is getting wrong
Most of the AI conversation in UK broking right now is being driven by vendors. That is not necessarily their fault. They are selling tools, and the tools work. But the conversation has skipped a step.
The step is this. The FCA published its AI Update in April 2024. It is twenty-six pages. It contains no new rules. What it does contain is the regulator's clear position that AI use by regulated firms is already comprehensively governed by the existing Handbook, and that firms are responsible for proving they understand how.
Almost nobody in broking has read it. I know because I have asked. I have asked solo brokers, network heads, AR firm principals, compliance consultants, lender BDMs. The pattern is consistent. Most people have a rough sense the FCA "said something about AI" and assume it was permissive. It was not. It was the regulator drawing a line in the sand and telling the industry the existing rules already apply.
That gap, between what the regulator has said and what the industry has heard, is where the exposure is. And it is where AI for Brokers operates.
What we publish
AI for Brokers runs three streams. They are deliberately different, and they reach different parts of how a broker thinks about their firm.
Regulator Decoded is the analytical stream. Plain-English breakdowns of what the FCA, the ICO, and the lenders are actually saying about AI in financial services, and what it means for UK brokers in practice. If the FCA publishes a paper, a speech, a Dear CEO letter or a thematic review, you will get it decoded here. No spin. No vendor positioning. Just the regulatory reality, paragraph by paragraph.
Compliance Reality Check is the uncomfortable stream. Scenarios most brokers are within one workflow of, walked through with the regulatory exposure mapped against them. The kind of analysis that, if I am doing my job, will make you put your laptop down and check something in your business. I do not enjoy writing pieces that say "this thing you are doing is exposing you." I write them because the alternative is letting brokers find out from the regulator instead.
The Future of Broking is the strategic stream. Where UK broking is heading. What human judgement still owns. What AI will absorb. Where the brokers thriving in 2028 are placing their bets right now. This is the stream that thinks five years ahead while the rest of the industry argues about whether to use ChatGPT.
AI for Brokers publishes one essay a week, sometimes one and a half if the regulator is busy. Free, sharp, and independent. I do not take vendor money, I do not have affiliate partnerships, and I do not endorse tools I have not vetted personally against the FCA framework.
What I expect of you
I expect you to read carefully. The essays are not short, and they are not designed to be skimmed. The thinking is in the detail. If you treat this as another feed to skim, you will miss what is actually in it.
I expect you to push back. If I get something wrong, tell me. If I cite a paragraph in a way you read differently, send me the alternative reading. I would rather correct a piece publicly than be quietly wrong in your head for a year. There is a contact address on every piece, and I read everything that comes in.
I expect you to forward the essays to the people in your firm who need to see them. Your compliance officer. Your network principal. Your AR firms. Your business partner. This work is more useful when more of the right people are reading it.
I do not expect you to agree with everything. The essays argue positions, sometimes uncomfortable ones, and the goal is to sharpen your thinking, not replace it.
Why I think this matters
The next five years will reshape UK broking. Not because of AI itself, but because of the way the regulatory framework around AI is going to interact with how brokers already operate. That shift cuts across every regulated activity, mortgage, commercial finance, and protection alike. Consumer Duty's foreseeable harm obligation already pulls protection advice into the heart of every mortgage conversation, and AI does not change that. It amplifies it. Firms that adapt will compound an advantage that becomes visible in 2028 and decisive in 2030. Firms that do not will spend the same period dealing with consequences they did not need to incur.
I would rather build the thing that keeps brokers in business than watch the next five years happen to them.
If that resonates, the work is here for you.