Retail Banking × Legal — United Kingdom · updated 2026-06-11

Finding#6 . Reversed the PRIN 2A scope exclusion for group insurance distribution

RLB Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q018

AI's failure:Misstated Rule Risk for Retail Banking × Legal:Regulatory enforcement / professional liability exposure

What the RLB Specialist Panel found

Finding#6 . Reversed the PRIN 2A scope exclusion for group insurance distribution

Citation ID: RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q018-Opus47
AI's failure: AI inverted an express scope exclusion and cited a placeholder consultation paper
Risk for Legal x Retail Banking: Regulatory enforcement and operational-decision exposure where the FCA's text resolves the question differently Retail Banking legal teams advising on the Consumer Duty's scope for group insurance distribution need the PRIN 2A.1.8R exclusion preserved. The model's reversal of the exclusion, paired with a fabricated 'CP23/something' citation, would push the firm to apply the Duty to activities the FCA has expressly excluded, a costly mis-scoping with no regulatory benefit.
see this finding ->

Impact for Legal Teams in Retail Banking Sector in the United Kingdom working with the Consumer Duty (PS22/9 + PRIN 2A)

Retail Banking legal teams advising on the Consumer Duty's scope for group insurance distribution need the PRIN 2A.1.8R exclusion preserved. The model's reversal of the exclusion, paired with a fabricated 'CP23/something' citation, would push the firm to apply the Duty to activities the FCA has expressly excluded, a costly mis-scoping with no regulatory benefit.

References — raw findings (per AI model)

RLB-H-GB-FCA-CONSUMER-DUTY-PS22-9-Q018-Opus47 Claude Opus 4.7 (web search on)

This finding also affects

← Previous finding Finding#5 . Declined to disclose a verified FS25/2 figure the regulator published Next finding → Finding#7 . Repeated FS25/2 fabricated April/August 2025 timeline across a second question

Cite this finding

Each finding has a stable Citation ID (RLB-F-… for aggregated case-study findings, RLB-H-… for raw per-model hallucinations) — like a DOI, the ID always resolves to the canonical finding even if URLs change.

RLB Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q018

Plain text Download

RegLeg Specialist Panel (2026). "Finding#6 . Reversed the PRIN 2A scope exclusion for group insurance distribution — Retail Banking × Legal — United Kingdom." Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q018. RegLegBrief AI Hallucination Research, published 2026-06-11. https://reglegbrief.com/regulators/j3/gb/fca/consumer-duty-ps22-9/sectors/retail_banking/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-018/

APA 7th edition Download

RegLeg Specialist Panel. (2026). Finding#6 . Reversed the PRIN 2A scope exclusion for group insurance distribution [Hallucination finding RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q018]. RegLegBrief AI Hallucination Research. https://reglegbrief.com/regulators/j3/gb/fca/consumer-duty-ps22-9/sectors/retail_banking/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-018/

Bluebook / OSCOLA (US + UK legal) Download

RegLeg Specialist Panel, Finding#6 . Reversed the PRIN 2A scope exclusion for group insurance distribution [RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q018], RegLegBrief AI Hallucination Research (June 11, 2026), https://reglegbrief.com/regulators/j3/gb/fca/consumer-duty-ps22-9/sectors/retail_banking/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-018/.

BibTeX Download

@misc{reglegbrief_RLB_F_GB_FCA_CONSUMER_DUTY_PS22_9_Q018,
  author    = {RegLeg Specialist Panel},
  title     = {Finding#6 . Reversed the PRIN 2A scope exclusion for group insurance distribution},
  year      = {2026},
  publisher = {RegLegBrief AI Hallucination Research},
  note      = {Hallucination finding Citation ID: RLB-F-GB-FCA-CONSUMER-DUTY-PS22-9-Q018},
  url       = {https://reglegbrief.com/regulators/j3/gb/fca/consumer-duty-ps22-9/sectors/retail_banking/legal/finding/GB-FCA-GB-001-CONSUMER-DUTY-PS22-9-v1-018/}
}

← Back to case study summary Case study detail →

About Citation IDs →

Every finding on this page compares an AI subject's account of the rule against the regulator's verbatim text from the regulator's own portal. Both are linked. Each delta, its root causes, and impact analysis are documented and published with immutable Citation IDs.