/**
 * FCA Consumer Duty Compliance Pack
 *
 * Regulation: FCA Policy Statement PS22/9 -- A New Consumer Duty
 *             (including Principle 12 and the Cross-Cutting Rules)
 *             FCA Handbook: PRIN 12; PRIN 2A (Cross-Cutting Rules);
 *             PRIN 2B (Outcomes: Products and Services, Price and Value,
 *             Consumer Understanding, Consumer Support)
 *
 * Jurisdiction: GB (United Kingdom)
 * Regulator: FCA (Financial Conduct Authority)
 *
 * Alias: FS-09
 *
 * Effective dates:
 *   - 31 July 2023: open products and services
 *   - 31 July 2024: closed products and services (legacy book)
 *
 * Scope:
 *   Applies to UK-regulated firms that manufacture or distribute retail
 *   financial products or services to retail customers. The Duty requires
 *   firms to act to deliver good outcomes for retail customers across four
 *   outcome areas (Products and Services; Price and Value; Consumer
 *   Understanding; Consumer Support) and to comply with the overarching
 *   Cross-Cutting Rules (act in good faith; avoid foreseeable harm; enable
 *   pursuit of financial objectives).
 *
 * Principle 12 overarching obligation:
 *   "A firm must act to deliver good outcomes for retail customers."
 *   Customer-facing actions must be assessed against this outcome standard,
 *   not merely as technical rule compliance.
 *
 * Key obligations:
 *   1. Target market assessment: identify who the product/service is
 *      designed for and evidence that it meets their needs.
 *   2. Fair value assessment: price must be proportionate to the benefit
 *      received by retail customers.
 *   3. Consumer understanding testing: communications tested to confirm
 *      they are likely to be understood by the target market.
 *   4. Consumer support quality: support must be as easy to access and
 *      use as the sale journey.
 *   5. Vulnerable customer identification and appropriate treatment.
 *   6. Distribution strategy review: annual review per PRIN 2A.2.4R.
 *   7. Board annual attestation: board must attest that the Duty is
 *      being met and review MI packages.
 *
 * Retention:
 *   SYSC 9.1.1R: firms must retain records for at least 5 years
 *   (financial instruments); FCA guidance on Consumer Duty aligns with
 *   6-year general financial services record retention. Fair value
 *   assessments are retained for the life of the product + 6 years.
 *
 * Penalties:
 *   FCA can impose unlimited fines; consumer redress schemes; cancellation
 *   of regulatory permissions. No fixed statutory fine cap.
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
export declare const FCA_CONSUMER_DUTY_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const FCA_CONSUMER_DUTY_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
};
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