Your RMCP is a Word document. Your FICA files are folders. Your risk ratings are a spreadsheet. When the inspection letter arrives, that is days of assembly — or one click.
For an FSP, a FIC Act penalty comes from the FSCA — not from the Financial Intelligence Centre. On 9 September 2026 it sanctioned three small FSPs for risk management and compliance programmes that were defective, or never implemented: R450,000, R220,000 and R100,000.
FSCA PRESS RELEASE · 9 SEPTEMBER 2026 · R225,000 OF THE FIRST CONDITIONALLY SUSPENDED
Individual, company, trust, partnership, foreign — each file carries the correct required-document matrix. No more guessing what a trust file needs.
Every missing or expiring document is flagged, chased and auto-resolved on upload.
Layered trusts, holding companies and partnerships drawn as living structures with the certified document attached to every node. Your inspector has never seen a file like it.
Client risk ratings plus section 21A nature-of-business, purpose-of-relationship and source-of-funds captured on the record, not in someone’s memory.
ID verification and sanctions/PEP checks metered per check at transparent rates.
Expiries, periodic reviews and back-book refresh as a working queue, not an annual panic.
Export a complete, organogram-structured FICA pack. Every record carries a tamper-evident audit trail: who, what, when, provably unaltered.
Fit & proper, CPD hours, RE deadlines and supervision per representative and Key Individual, with FSCA-ready exports.
| Today | With Flou Comply |
|---|---|
| CO retainer R2,500–R7,500/m plus your own admin time | From R1,450/m — your file, your system |
| RMCP template in Word (R4,995, ages instantly) | RMCP logic that runs live against every client |
| Per-search checks, results filed nowhere | Checks attached to the client record forever |
| Inspection = days of assembly | Inspection = one click |
Per firm, per month — priced by client records, not seats. Every other compliance vendor in South Africa is quote-only. We are not.
The FICA essentials for a small FSP.
The full compliance office.
For groups and compliance practices.
Additional client records in banded add-ons. Screening checks metered at transparent per-check rates. Implementation — we build your FICA files for you: once-off R7,500 (up to 50 clients) / R15,000 (up to 200) / R25,000 (200+), done by people who assemble FICA packs for a living. Annual prepay: 15% off. Your data exports free — always.
FICA binds every accountable institution — and Flou Comply speaks each one’s language. Comply for Attorneys onboards your matter clients with conveyancing and litigation purpose capture, trust-account source-of-funds and LPC-ready files; packs for property practitioners, accountants and other Schedule 1 institutions on the same pricing. Ask about your industry →
50% off any tier for 12 months, locked. Your first 20 FICA files built for you, included. In return: your feedback, and permission to name you as a reference once you are live.
Claim a place in writing