---
type: "AIHallucinationFinding"
title: "Which FCA Dear CEO letters remain in force after Consumer Duty implementation, and how many…"
citation_id: "RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q020-Sonnet46"
finding_uid: "GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020--sonnet-46-websearch"
question_uid: "GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020"
regulation_id: "GB-FCA-GB-001-CONSUMER-DUTY-PS22-9"
regulation_slug: "CONSUMER-DUTY-PS22-9"
regulation_title: "Consumer Duty (PS22/9 + PRIN 2A), Financial Conduct Authority"
regulator_short_code: "FCA"
regulatory_body_id: "FCA-GB-001"
jurisdiction_code: "GB"
j_level: "J3"
ai_subject: "claude-sonnet-4-6"
ai_subject_display: "Claude Sonnet 4.6 (web search on)"
ai_subject_version: "sonnet-46-websearch"
response_failure_mode: "inference_drift"
substrate_document_name: "p_15_OTHER_PART_CIRCULAR___Dear_CEO_letters_withdra_page.html"
substrate_document_path: "https://reglegbrief.com/substrate/GB/FCA/CONSUMER-DUTY-PS22-9/_raw_manual_substrate/p_15_OTHER_PART_CIRCULAR___Dear_CEO_letters_withdra_page.html"
substrate_section_anchor: "PART_CIRCULAR — Dear CEO letters withdrawn by FS25/2 (March 2025): pre-CD supervisory expectations now rescinded"
citation_issue_types: ["Contradictory", "Fabricated", "Pretextual"]
audiences: ["ai_labs", "practitioners", "sector_dept"]
published_at: "2026-05-26T09:40:51.260751+00:00"
substrate_version: 1
methodology_version: "2.1"
license: "CC-BY-4.0"
resource: "https://reglegbrief.com/regulators/j3/gb/fca/CONSUMER-DUTY-PS22-9/ai-labs/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020--sonnet-46-websearch/"
tags: ["ai-hallucination", "inference_drift", "fca", "consumer-duty-ps22-9", "gb"]
timestamp: "2026-06-16T00:00:00+00:00"
---

# AI Hallucination Finding: Which FCA Dear CEO letters remain in force after Consumer Duty implementation, and how many…

- **Citation ID.** `RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q020-Sonnet46`
- **Finding UID.** `GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020--sonnet-46-websearch`
- **Regulation.** [`CONSUMER-DUTY-PS22-9`](/okf/regulations/CONSUMER-DUTY-PS22-9.md) — Consumer Duty (PS22/9 + PRIN 2A), Financial Conduct Authority
- **Regulator.** [`FCA-GB-001`](/okf/bodies/FCA-GB-001.md) — Financial Conduct Authority
- **AI subject.** Claude Sonnet 4.6 (web search on)
- **Failure mode.** [`inference_drift`](/okf/taxonomy/failure-modes.md)
- **Published.** 2026-05-26T09:40:51.260751+00:00

## Question put to the AI subject

Which FCA Dear CEO letters remain in force after Consumer Duty implementation, and how many pre-Consumer Duty letters did the FCA formally withdraw?

## AI subject's verbatim answer

there is no publicly available consolidated list in the search results specifying exactly which pre-Consumer Duty letters have been formally withdrawn and how many remain in force as at 2025... I cannot provide a verified count or a complete current list from the available search results.

## Verbatim regulator text contradicting the answer

> From FS25/2 (March 2025): FCA reviewed all Dear CEO letters pre-dating the 2022-25 strategy and withdrew 90+ such letters. These are no longer live supervisory expectations.

_Source:_ [p_15_OTHER_PART_CIRCULAR___Dear_CEO_letters_withdra_page.html](https://reglegbrief.com/substrate/GB/FCA/CONSUMER-DUTY-PS22-9/_raw_manual_substrate/p_15_OTHER_PART_CIRCULAR___Dear_CEO_letters_withdra_page.html)
_Section anchor:_ PART_CIRCULAR — Dear CEO letters withdrawn by FS25/2 (March 2025): pre-CD supervisory expectations now rescinded

## Failure mode

**`inference_drift`** — Inference drift — the AI inferred a conclusion the regulator's text does not warrant, often by combining unrelated provisions.

## Citation-issue types

- **Pretextual** — <https://www.fca.org.uk/news/news-stories/next-steps-consumer-duty-rule-review>
- **Fabricated** — <https://www.cliffordchance.com/insights/resources/blogs/regulatory-investigations-financial-crime-insights/2024/01/responding-to-the-fca-dear-ceo-letter-on-the-retention-of-customers-cash-balances>
- **Contradictory** — <https://www.simmons-simmons.com/en/publications/cldwjr3aa00wgu7l02af7hqaj/consumer-duty-fca-portfolio-and-sector-specific-letters>

## Related concepts

- Regulation: [CONSUMER-DUTY-PS22-9](/okf/regulations/CONSUMER-DUTY-PS22-9.md)
- Regulator: [FCA-GB-001](/okf/bodies/FCA-GB-001.md)
- Failure-mode taxonomy: [inference_drift](/okf/taxonomy/failure-modes.md)
- Methodology: [v2.3](/okf/methodology.md)
- Editorial standards: [right of reply](/okf/editorial-standards.md)

## Reproduction

Citation ID: `RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q020-Sonnet46`

Resource URL (HTML view of this finding):

<https://reglegbrief.com/regulators/j3/gb/fca/CONSUMER-DUTY-PS22-9/ai-labs/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-020--sonnet-46-websearch/>

This finding is reproducible against the substrate document linked above, using the same AI subject, the same methodology version, and the verbatim question text.