CoverProof exists because June 29, 2026 is a hard statutory deadline — not a regulatory target date — and no existing compliance tool was built to meet it. We built one.
CoverProof is a compliance SaaS platform for FCA-regulated UK firms. It automates SM&CR gap analysis (identifying individuals who meet the s.250(3) functional test but are not covered by existing SM&CR designations), sends zero-login declarations to uncovered individuals, and generates litigation-grade board evidence packs (PDF/A-3B, SHA-256 signed). It was built specifically for Section 250 of the Crime and Policing Act 2026, which takes effect June 29, 2026.
Section 250 of the Crime and Policing Act 2026 is a corporate attribution mechanism. Where a "senior manager" — defined in s.250(3) by the functional test of playing a significant role in managing or organising a substantial part of the organisation's activities — commits a qualifying offence, the organisation itself is liable. The SM&CR approved-person framework does not cover everyone who meets this test. The gap is the exposure, and the firms most at risk often don't know it yet.
When the Act received Royal Assent in January 2026, compliance teams across the industry faced the same problem: they needed to identify who was uncovered, send them declarations, and produce court-grade documentation proving they had acted — and there was no software to do any of it.
CoverProof solves all three. It is the only platform built specifically for the Section 250 compliance workflow — not a generic compliance platform that has been stretched to fit.
Section 250 is written into law with a June 29, 2026 commencement date. FCA-regulated firms face criminal liability for uncovered significant-role individuals — an exposure not addressed by existing SM&CR tooling.
After reviewing the FCA register data format, the SM&CR approved-person framework, and the Section 250 statutory criteria, the team determines the gap between "what SM&CR covers" and "what Section 250 requires" can be closed systematically — with AI classification, structured declarations, and PDF/A-3B evidence generation.
The AI classification pipeline (Claude + structured output) identifies Section 250 gaps in a test FCA register extract in under 2 minutes. The PDF/A-3B evidence pack — with SHA-256 hash and immutable audit trail — is verified against the ISO 19005-3 standard.
The platform is available to all FCA-regulated firms. The Professional plan (£299/month) covers a compliance officer at an FCA-regulated firm managing ongoing Section 250 obligations. Firm (£699/month) covers compliance teams managing declarations across multiple sites or FRNs. Essentials (£149/month) is the entry plan for sole traders and small firms completing their first gap cycle.
See the full technical methodology at coverproof.co.uk/methodology.
CoverProof uses Claude (Anthropic) with structured JSON output to classify each individual against the Section 250 statutory criteria. The classification is not a generic questionnaire — it maps each person's role and responsibilities against the verbatim s.250(3) test: does this person play a significant role in managing or organising the whole or a substantial part of the organisation's activities? Every classification is reviewable by your compliance team before any declaration is sent.
Evidence packs are generated to PDF/A-3B standard (ISO 19005-3) with embedded XMP metadata and SHA-256 cryptographic hashes. The document hash is recorded in the CoverProof database at generation time — you can prove the downloaded file has not been modified since it was generated. These properties are designed to meet the documentation standards required in legal and regulatory proceedings.
Declaration recipients receive a unique, signed URL. They complete and submit their declaration without creating an account. This eliminates the most common reason for declaration non-response: friction. Completion rates are significantly higher when the barrier is clicking a link rather than creating a login.
CoverProof imports from the FCA Register Extract Service — the same bulk data feed that the FCA uses to maintain the official register. Your approved-person baseline is cross-referenced against the authoritative source, not a self-reported spreadsheet.
No. CoverProof is a compliance workflow tool, not a legal services provider. We automate the gap analysis, declaration cycle, and evidence pack generation. Your compliance team and legal counsel are responsible for reviewing the AI classifications and confirming your Section 250 strategy.
CoverProof was founded in 2026 by a team with experience in UK financial services compliance technology and AI engineering. The platform is built specifically for the FCA-regulated market.
All data is stored on UK infrastructure. Multi-tenant isolation is enforced at the database layer using PostgreSQL Row Level Security — your firm's data is isolated by design, not configuration.
CoverProof provides compliance workflow software, not regulated financial services or legal services. We are a technology provider. Your firm remains responsible for its own FCA compliance obligations.
The first gap analysis is free. No contract. No setup fee.
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