Notes
Short notes from consumer protection audit engagements — written for fintech product, risk, and operations teams.
Customers notice fee opacity before supervisors do
Unclear fee presentation rarely stays a quiet product detail — partners and customers surface it first.
Complaint ownership breaks where handoffs multiply
Complaint handling fails most often at ownership boundaries between product, support, and compliance.
Marketing claims need the same evidence as product specs
Claims that outrun product behaviour create consumer-protection risk even when engineering intends the feature later.