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CONC 3.4 Risk warning for high-cost short-term credit

[Note: Until the end of 30 June 2014, transitional provisions apply to CONC 3.4: see CONC TP 31]

Risk warnings

  1. (1)

    A firm must not communicate or approve for communication a financial promotion in relation to high-cost short-term credit, unless it contains the following risk warning:

    “Warning: Late repayment can cause you serious money problems. For help, go to”.

  2. (2)


  3. (3)

    Instead of the website address in paragraph (1), a firm may include the MoneyHelper3 logo registered UK3 trade mark number UK000034767793.

  4. (4)

    The risk warning must be included in a financial promotion in a prominent way.


MoneyHelper3 has granted a licence to use the logo referred to in CONC 3.4.1R (3) for the purposes of that rule.1 The terms of the licence are available from MoneyHelper3.