英国金融行为监管局（FCA）计划于2025年9月推出一个AI实时测试服务，为英国金融公司提供在上市前进行监管监督下测试其AI模型的机会。该项目旨在帮助公司安全、负责任地部署面向消费者和市场的AI工具，同时也让FCA深入了解人工智能如何重塑金融市场。由于AI在欺诈检测和投资分析等领域变得越来越重要，FCA此举旨在填补“测试空白”，确保AI工具在推向市场之前安全、合规且有效。

🤖 为了推动金融创新，FCA计划于2025年9月推出一个为期12至18个月的AI实时测试服务，允许金融公司在上市前测试其AI模型。

💡 该测试服务是FCA更广泛的AI实验室的一部分，旨在帮助公司安全、负责任地部署AI工具，并确保这些工具符合合规标准和消费者保护。

✅ 通过与FCA直接合作，公司可以在一个受控的实时环境中测试其AI系统的性能，FCA将收集实时情报以监测风险并更好地了解AI对英国市场的影响。

📢 FCA将为公司提供持续的指导，帮助他们使AI部署与合规标准和消费者保护保持一致。

🚀 这项举措是FCA五年战略的一部分，旨在实现金融监管现代化，促进创新，并保持英国金融服务的全球竞争力。

UK regulator to launch live AI testing lab to help firms go public.

The Financial Conduct Authority (FCA) is set to launch a live artificial intelligence testing service in September 2025, giving UK financial firms a rare opportunity to test their AI models with regulatory oversight before going public.

The program is designed to help companies safely and responsibly deploy consumer-facing and market-facing AI tools, while offering the FCA valuable insight into how artificial intelligence might reshape financial markets.

AI is becoming central to finance from fraud detection to investment analysis, but regulation is still catching up. By launching this live testing environment, the FCA is stepping in to close the “testing gap” and ensure AI tools are safe, compliant, and effective before hitting the real world.

Photo by Growtika on Unsplash

• The service will run for 12 to 18 months, as part of the FCA’s expanding AI Lab
• Companies will collaborate directly with the FCA to test how their AI systems perform in a live, but controlled environment
• The FCA will collect real-time intelligence to monitor risks and better understand AI’s impact on UK markets

The FCA will provide firms with ongoing guidance, helping them align AI deployments with compliance standards and consumer protections.

Jessica Rusu, FCA’s Chief Data, Intelligence and Information Officer, said: “Under our new strategy, we’ve committed to being increasingly tech positive to support growth. We want financial firms and their customers to benefit from AI, so we’re providing a safe space to test how they plan to use it.”

Part of the plan

The testing service supports the FCA’s five-year strategy, which aims to modernize financial oversight, promote innovation, and keep the UK’s financial services globally competitive. It builds on recent initiatives like the My FCA portal, which streamlines regulatory reporting, and a proposed crypto authorisation regime coming in 2026.

What’s next

• The FCA is accepting feedback on the testing service until June 10
• Launch is planned for September 2025, following adjustments based on industry input

As AI rapidly reshapes financial services, the FCA’s live testing lab offers a path to innovation that doesn’t cut corners on safety. It’s a major move to position the UK as a leader in responsible AI adoption and to help firms move faster, with fewer surprises.

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