Compliance teams spend weeks compiling audit evidence that should take minutes
When the FCA asks for Consumer Duty evidence, when SAMA requests cybersecurity documentation, when the NAIC wants market conduct proof — you scramble to compile records scattered across email, claims systems, and personal folders. By the time you assemble the evidence, the regulator's deadline has passed.
Regulatory expectations have shifted from "follow the process" to "prove the outcome"
Insurance compliance teams face an impossible task: prove to regulators that every customer interaction, every claim decision, and every policy transaction followed regulatory requirements — using systems that were never built to generate that evidence.
The FCA's Consumer Duty doesn't just require processes — it requires evidence of good customer outcomes. SAMA's cybersecurity framework requires audit trails proving access controls work. The NAIC's market conduct examinations require documentation of every claims handling decision. European GDPR authorities require proof that data subject rights requests were fulfilled within 30 days.
But most insurance operations run on systems that can't produce this evidence. Email threads aren't audit trails. SharePoint access logs don't prove who viewed which document when. Claims system notes don't capture the context of decisions. When a regulator asks for proof, compliance teams spend weeks manually compiling records from multiple sources — hoping they find everything and that nothing contradicts the narrative.
Regure is insurance compliance monitoring software built to generate regulatory evidence automatically: immutable audit trails with Merkle tree verification, real-time compliance dashboards, automated retention policies by jurisdiction, and role-based access logs for every document action.
Immutable audit trails with Merkle tree cryptographic verification
When regulators request audit evidence, they expect logs that can't be altered retroactively. Regure's Merkle tree architecture ensures every log entry is cryptographically linked to previous entries — any modification is immediately detectable.
Traditional audit logs are stored in databases where administrators have write access. This creates a fundamental trust problem: if logs can be edited, how can regulators trust them as evidence? An insurance company facing enforcement could theoretically alter logs to make their conduct appear compliant.
Regure solves this with Merkle tree-structured audit trails. Every log entry is cryptographically hashed and linked to the hash of previous entries. This creates a chain of evidence where modifying any entry — even changing a single character — breaks the cryptographic chain and is immediately detectable.
When you export audit logs for regulatory review, Regure includes cryptographic proofs that verify log integrity. A regulator (or their technical auditor) can independently verify that logs haven't been tampered with since creation — providing the level of evidence integrity that enforcement proceedings require.
- Every document action logged: upload, download, view, edit, share, delete, classify, route
- Every user action logged: login, permission change, role assignment, data export
- Every system action logged: automated workflow execution, AI classification, retention policy enforcement
- Merkle tree hashing makes all logs tamper-evident — modification detection is automatic
- Export formats for regulatory review: PDF summaries, CSV data exports, JSON audit packages with cryptographic proofs
- Retention: logs retained for 7+ years per insurance industry standards, with automated archival and retrieval
For FCA Consumer Duty reviews, EU GDPR audits, and US state insurance department market conduct exams — this tamper-evident architecture provides the evidence credibility regulators expect.
Real-time compliance dashboards that show status across regulations and jurisdictions
Compliance isn't a quarterly report — it's an ongoing operational state. Regure provides real-time dashboards showing compliance status across FCA Consumer Duty, GDPR, HIPAA, state insurance regulations, and custom compliance frameworks.
FCA Consumer Duty Monitoring (UK)
Track the four Consumer Duty outcomes in real time: products & services suitability, price & value evidence, consumer understanding metrics, and consumer support performance. Dashboards show outcome indicators per product line, channel, and customer cohort — identifying areas of concern before the FCA does.
For UK insurers, this provides the ongoing monitoring the FCA expects — not just annual self-assessments, but continuous outcome tracking with automated alerts when metrics deteriorate.
GDPR Data Subject Rights (EU)
Track Data Subject Access Requests (DSARs), Right to Erasure requests, and data portability requests with automated 30-day countdown timers. Dashboard shows pending requests, requests approaching deadlines, and completed requests with fulfillment evidence.
For EU insurers, this ensures GDPR compliance timelines are met without manual tracking spreadsheets — critical when penalties for violations can reach 4% of global revenue.
HIPAA Access Audits (US Health)
Track who accessed Protected Health Information (PHI), when, and for what purpose. Dashboards flag unauthorized access attempts, unusual access patterns, and access by terminated employees. Automated quarterly audit reports satisfy HIPAA Security Rule audit requirements.
For US health insurers and TPAs processing health claims, this provides the access logging HIPAA mandates — with evidence export for HHS OCR investigations.
State Insurance Department Compliance (US)
Track claims handling timelines per state requirements: acknowledgment deadlines (24-48 hours in most states), investigation timelines, settlement requirements. Dashboards show SLA compliance per state with automated alerts for approaching deadlines.
For multi-state carriers and MGAs, this state-by-state monitoring prevents the market conduct violations that trigger regulatory examinations and fines.
Automated retention policies by jurisdiction and document type
Different document types have different retention requirements in different jurisdictions. Regure automates the entire lifecycle: retention per regulatory requirements, secure deletion when retention expires, and certificates of destruction for audit evidence.
Jurisdiction-Specific Retention
UK insurance documents: 6 years post-policy expiration (per FCA SYSC). US insurance documents: varies by state, typically 5-7 years. EU insurance documents: GDPR Article 5 limits retention to what's necessary for the purpose, with jurisdiction-specific minimums.
Configure retention rules per jurisdiction and document type, and Regure enforces them automatically — deleting documents when retention expires unless legal hold is active.
GDPR Right to Erasure
When an EU data subject requests erasure under GDPR Article 17, Regure identifies all documents and data related to that individual, assesses legal basis for retention exceptions (Article 17(3) — legal claims, regulatory obligations), and securely deletes erasable data.
The entire process is tracked with timestamps, fulfillment evidence, and certificates of destruction — proving GDPR compliance during Data Protection Authority investigations.
Legal Hold Management
When litigation or regulatory investigation is anticipated, documents subject to legal hold must be preserved beyond normal retention periods. Regure supports legal hold flags that prevent automated deletion until hold is released.
Legal hold is applied at the claim, policy, or customer level with audit trails showing when hold was placed, by whom, and when it was released — satisfying legal discovery requirements.
What compliance teams ask about Regure
How does Merkle tree verification work?
Every audit log entry is cryptographically hashed and linked to the hash of previous entries, creating a chain where any modification breaks the cryptographic integrity. When you export audit logs for regulators, Regure includes the Merkle root hash that proves log integrity. Regulators can independently verify logs haven't been tampered with.
Can Regure generate FCA Consumer Duty evidence?
Yes. Regure tracks the four Consumer Duty outcomes in real time: product suitability, price/value evidence, consumer understanding metrics, and consumer support performance. Export-ready compliance reports show outcome indicators per product, channel, and customer cohort — providing the evidence FCA expects during supervisory reviews. See UK compliance details.
Does Regure automate GDPR Data Subject Access Requests?
Yes. Regure automates DSAR fulfillment: identify all data related to the individual across claims, documents, and communications; export in machine-readable format (JSON/CSV); and track the 30-day fulfillment timeline with automated alerts. Right to Erasure requests are handled similarly with secure deletion and certificates of destruction.
How are retention policies enforced?
Configure retention rules per jurisdiction and document type (e.g., UK policies: 6 years post-expiration; US health claims: 7 years per HIPAA). Regure enforces retention automatically, deleting documents when retention expires unless legal hold is active. All deletions are logged with certificates of destruction for audit evidence.
Can we track compliance per state or jurisdiction?
Yes. Compliance dashboards show status per jurisdiction: FCA Consumer Duty (UK), GDPR (EU), HIPAA (US health), SAMA (Saudi), CBUAE (UAE), and state insurance department requirements (US). Track SLA compliance, data subject rights fulfillment, and access audit status per regulatory framework.
What does pricing look like for compliance teams?
Regure pricing is per user per month. Compliance teams typically license 5-15 seats (compliance officers, DPO, audit staff) at Professional tier ($150/user/month) or Enterprise tier ($225/user/month) depending on regulatory complexity and multi-jurisdiction requirements. See full pricing.
See how Regure generates regulatory evidence automatically
Book a 20-minute demo. We'll show you immutable audit trails, compliance dashboards, and export-ready evidence packages for FCA, GDPR, HIPAA, and state regulators.