Status: Please note you should read all Brexit changes to the FCA Handbook and BTS alongside the main FCA transitional directions. Where these directions apply the 'standstill', firms have the choice between complying with the pre-IP completion day rules, or the post-IP completion day rules. To see a full list of Handbook modules affected, please see Annex B to the main FCA transitional directions.

MCOB 5A.6 1Other information

  1. (1)

    A firm may provide information to the consumer in addition to that contained in the ESIS.

  2. (2)

    A firm must provide the additional information in (1) in a separate document.

  3. (3)

    A firm may annexe the separate document in (2) to the ESIS.

[Note: article 14(8) of the MCD]

  1. (1)

    Where a firm issues an ESIS in relation to an MCD lifetime mortgage, the firm must simultaneously issue the consumer with a document in a durable medium containing the statements and warnings set out in the following rules, as modified by (2) below, as if the mortgage was an MCD exempt lifetime mortgage: MCOB 9.4.33 R, MCOB 9.4.35 R, MCOB 9.4.62 R, and MCOB 9.4.63 R only.

  2. (2)

    The document issued under (1) must contain the prescribed section headings but need not contain section numbers or otherwise comply with the format of an illustration.


Firms are reminded of their general obligation for communications to customers to be fair, clear and not misleading.