Agentic AI for Scaling Targeted Support: A Governance Framework for the FCA Advice–Guidance Boundary

The Advice–Guidance Boundary Review (AGBR) introduces targeted support as a new regulated activity intended to address the persistent financial advice gap in the UK. While generative AI technologies offer the potential to scale accessible financial support, doing so within the advice–guidance boundary introduces significant governance challenges. Compliance requires structural control over segmentation logic, boundary monitoring, knowledge governance, vulnerability detection, and audit transparency.

This white paper proposes an agentic AI governance framework that embeds these regulatory functions within the architecture of AI-enabled financial support systems. The framework distributes responsibility across specialised agents responsible for segmentation governance, boundary monitoring, vulnerability detection, knowledge management, and supervisory audit. By embedding compliance functions as interacting agents surrounding a multimodal generative AI interface, the proposed architecture transforms regulatory compliance from a behavioural expectation into a structural property of the system. The framework provides a conceptual foundation for scaling targeted pensions support safely and transparently under the FCA’s AGBR while supporting responsible innovation in AI-enabled financial services.

About FRIL

The project is part of the Glasgow City Region Innovation Accelerator programme, funded through Innovate UK on behalf of UK Research and Innovation. The Innovation Accelerator programme is investing £130 million in 26 transformative R&D projects to accelerate the growth of three high-potential innovation clusters, including the Glasgow City Region.

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