FOS Watch — the product
Every Financial Ombudsman Service decision, structured and ready to act on.
FOS Watch turns every published decision into comparable, audit-ready insight — built for risk and compliance, MI and complaints leadership teams in UK financial services.
No charge, no commitment
What you get with FOS Watch
Two products, designed to work together.
A structured analytics layer you can interrogate when you need it, and short regular briefings that keep you current on what's changing.
The Insight Hub
Analytics derived from every published FOS decision — dashboards, themes, peer benchmarks, and rule-level context. Where you need to read an individual decision, the Hub links to published decisions on the FOS decision database, to ensure integrity at source. Built for risk and compliance, MI and complaints leadership teams.
The briefings
Two fortnightly products, staggered to give weekly delivery. A fortnightly Risk, Compliance & MI Briefing runs a deep dive on completed-month analytics, alternating between a product and a complaint reason. A fortnightly Case Update Digest covers the previous fortnight's decisions across your firm and your peers'. Something lands in your inbox most weeks. Each one short and scannable.
Inside the Insight Hub
Four capabilities, one interface.
All accessible from a single configurable interface, all drawing on the same underlying analysis of every published FOS decision.
Analysis of every published FOS decision
Every published FOS decision has been analysed and structured into a consistent taxonomy — product, complaint reason, outcome, rule citations, evidence and direction (redress) themes. The Hub sits on top of that analysis, giving you a single, comparable view across the entire published corpus. For any individual decision you want to read, the Hub links direct to the FOS decision database, to ensure integrity at source.
Firm, peer and market dashboards
Configurable dashboards at three levels: your own firm, peer comparisons and market-wide views. Filter by product, complaint reason, outcome, rule and time period. Built for governance-ready reporting — including outputs designed to support Consumer Duty evidence.
Rules and legislation
Every FOS decision is tagged with the rules and legislation it cites — 41 rules across 8 categories, spanning the FCA Handbook (DISP, COBS, CONC, ICOBS, the Consumer Duty), and the wider legislative framework (Consumer Credit Act, Consumer Rights Act, CRM Code, payment services, data protection, financial crime). See which are most commonly invoked, how often they drive upheld outcomes, and where activity is concentrating.
Decisions and guidance
Search the analysed corpus by category or in natural language — e.g. "mortgages where the customer is elderly" or "APP scam cases where the customer was manipulated" — or look up a specific decision by reference number. The Hub then generates structured outputs against the matching evidence base, including directions and redress, vulnerability views, control framework inputs and other case-level analytics.
The Hub is the analytical core. Two fortnightly briefings sit alongside it — more on those next.
The two briefings
Two short, regular reads.
One a deep dive on completed-month analytics, one a structured sweep across the previous fortnight's decisions. Both built for risk and compliance, MI and complaints leadership teams. AI surfaces the patterns; domain experts validate what matters.
Fortnightly
Risk, Compliance & MI Briefing
Each issue takes the most recently completed month's data and runs a deep dive — alternating between a product (e.g. mortgages, current accounts, credit cards) and a complaint reason (e.g. APP scams, affordability, fraud). Movement alerts and peer comparison sit alongside. Built around what's changed, what it means, and what to do about it.
Fortnightly
Case Update Digest
All the decisions from the previous fortnight for your firm, with peer decisions alongside them, arranged by product. Enabling FS leaders to stay abreast not only of their own decisions but also those of their peers, quickly and with minimum effort, no matter how many decisions are in scope.
No charge, no commitment
Across the Hub and the briefings, one principle holds: every claim is traceable. Here's how we keep the data audit-ready.
The discipline behind the data
Built on traceable, audit-ready data.
Underneath every dashboard, briefing and AI-generated output sits a working principle: nothing we publish should be hard to defend in a regulator review or an internal audit. Five disciplines hold the analytics layer to that standard.
- Source integrity
- We index and analyse, but the source text always lives on the FOS's own database. Every analytic in the Hub traces back to specific published decisions you can read at source.
- Consistent taxonomy
- Every published FOS decision is tagged against the same structured taxonomy — product, complaint reason, outcome, rule citations, evidence and direction (redress) themes. Comparisons across firms, products and time periods are like-for-like.
- Rules first, AI second
- The analytics layer is reproducible by design — rule-based taxonomy tagging and structured aggregations that give the same answer every time. Generative AI is used selectively where it genuinely helps: natural-language search, briefing drafting, pattern surfacing. The structural integrity of the numbers doesn't depend on probabilistic models.
- Statistical discipline
- Analytics for incomplete months are suppressed until the month closes. A handful of cases can swing an uphold rate from 0% to 100%, so we hold back partial-month data rather than risk a misleading signal.
- Human-in-the-loop
- AI surfaces the patterns; domain experts validate what matters and what makes it into a briefing. Where the analysis is uncertain, we say so.
See FOS Watch for your firm.
Two ways to start. A 15-minute demo will show you the Hub populated with your firm's data and your peers'. Or try four weeks of email briefings and see the product in action.
No charge, no commitment