Complying with FCA and regulatory communications via automated postal mail.

The regulatory high wire: Navigating FCA scrutiny in retail financial services

The statutory fortress: Consumer Credit Act 1974 and mandatory default notices

Notice of Sums in Arrears (NOSIA) and the Consumer Credit (CONC) Sourcebook

FCA Consumer Duty (Principle 12) and the 'Consumer Understanding' outcome

Protecting vulnerable customers: The FCA FG21/1 guidance on vulnerability

The 3-step programmatic regulatory compliance pipeline

Code walkthrough: Automated dispatch of statutory default notices

src/compliance/defaultNoticeService.ts — typescript
interface DefaultNoticeRequest {
  agreementNumber: string;
  debtorName: string;
  addressLine1: string;
  city: string;
  postcode: string;
  arrearsBalance: number;
  totalBalanceOutstanding: number;
  breachDescription: string;
}
​
export class RegulatoryPostalService {
  private apiKey: string;
  private apiUrl: string = 'https://api.letterapi.uk/v1';
​
  constructor(apiKey: string) {
    this.apiKey = apiKey;
  }
​
  public async dispatchSection87DefaultNotice(req: DefaultNoticeRequest): Promise<string> {
    // Calculate statutory remedy date: 14 clear days + 2 days deemed postal service = 16 days minimum
    const remedyDate = new Date();
    remedyDate.setDate(remedyDate.getDate() + 18); // 18 calendar days to guarantee statutory compliance
    
    const formattedRemedyDate = remedyDate.toLocaleDateString('en-GB', {
      day: 'numeric',
      month: 'long',
      year: 'numeric'
    });
​
    const payload = {
      recipient: {
        name: req.debtorName,
        address_line_1: req.addressLine1,
        city: req.city,
        postcode: req.postcode,
        country: 'GB'
      },
      template: 'cca_section_87_default_notice_v4',
      variables: {
        agreement_number: req.agreementNumber,
        debtor_name: req.debtorName,
        current_date: new Date().toLocaleDateString('en-GB'),
        arrears_amount: `£${req.arrearsBalance.toFixed(2)}`,
        total_balance: `£${req.totalBalanceOutstanding.toFixed(2)}`,
        breach_details: req.breachDescription,
        remedy_deadline_date: formattedRemedyDate,
        remedy_action: `Pay the sum of £${req.arrearsBalance.toFixed(2)} to bring your account up to date.`,
        creditor_support_phone: '0800 888 4444',
        fca_debt_advice_url: 'https://www.fca.org.uk/consumers/debt-support'
      },
      postage: 'first_class',
      options: {
        double_sided: true,
        color: false, // Statutory notices standard monochrome
        cleanroom_processing: true
      },
      metadata: {
        agreement_number: req.agreementNumber,
        statutory_notice_type: 'CCA_1974_SECTION_87_DEFAULT_NOTICE',
        compliance_rule: 'SI_1983_1561',
        calculated_remedy_date: remedyDate.toISOString()
      }
    };
​
    const response = await fetch(`${this.apiUrl}/letters`, {
      method: 'POST',
      headers: {
        'Authorization': `Bearer ${this.apiKey}`,
        'Content-Type': 'application/json'
      },
      body: JSON.stringify(payload)
    });
​
    if (!response.ok) {
      const error = await response.json();
      throw new Error(`Default notice dispatch failed: ${error.message}`);
    }
​
    const result = await response.json();
    return result.id;
  }
}

Interest rate variation notices and satisfying CONC 6 durable medium rules

Handling Section 166 skilled person reviews and regulatory audit bundles

The financial and operational ROI: Eliminating debt unenforceability and regulatory fines

BNPL regulatory transition: Bringing Buy-Now-Pay-Later under statutory CCA rules

Senior Managers and Certification Regime (SM&CR): Individual accountability for compliance officers

The strategic transformation: From regulatory vulnerability to audit-proof governance

Automate your FCA regulatory communications with LetterAPI today