FCA Handbook
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High Level Standards
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PRIN Principles for Businesses
- PRIN 1 Introduction
- PRIN 2 The Principles
- PRIN 3 Rules about application
- PRIN 4 Principles: MiFID business
- PRIN TP 1 Transitional provisions
- PRIN Sch 1 Record Keeping Requirements
- PRIN Sch 2 Notification requirements
- PRIN Sch 3 Fees and other required payments
- PRIN Sch 4 Powers Exercised
- PRIN Sch 5 Rights of action for damages
- PRIN Sch 6 Rules that can be waived
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SYSC Senior Management Arrangements, Systems and Controls
- SYSC 1 Application and purpose
- SYSC 2 Senior management arrangements
- SYSC 3 Systems and controls
- SYSC 4 General organisational requirements
- SYSC 5 Employees, agents and other relevant persons
- SYSC 6 Compliance, internal audit and financial crime
- SYSC 7 Risk control
- SYSC 8 Outsourcing
- SYSC 9 Record-keeping
- SYSC 10 Conflicts of interest
- SYSC 10A Recording telephone conversations and electronic communications
- SYSC 11 Liquidity risk systems and controls
- SYSC 12 Group risk systems and controls requirements
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SYSC 13 Operational risk: systems and controls for insurers
- SYSC 13.1 Application
- SYSC 13.2 Purpose
- SYSC 13.3 Other related Handbook sections
- SYSC 13.4 Requirements to notify the appropriate regulator
- SYSC 13.5 Risk management terms
- SYSC 13.6 People
- SYSC 13.7 Processes and systems
- SYSC 13.8 External events and other changes
- SYSC 13.9 Outsourcing
- SYSC 13.10 Insurance
- SYSC 14 Risk management and associated systems and controls for insurers
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SYSC 15A Operational resilience
- SYSC 15A.1 Application
- SYSC 15A.2 Operational resilience requirements
- SYSC 15A.3 Strategies, processes and systems
- SYSC 15A.4 Mapping
- SYSC 15A.5 Scenario testing
- SYSC 15A.6 Self-assessment and lessons learned exercise documentation
- SYSC 15A.7 Governance
- SYSC 15A.8 Communications
- SYSC 15A.9 Supervisory review and feedback
- SYSC 18 Whistleblowing
- SYSC 19B AIFM Remuneration Code
- SYSC 19D Dual-regulated firms Remuneration Code
- SYSC 19E UCITS Remuneration Code
- SYSC 19F Remuneration and performance management
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SYSC 19G MIFIDPRU Remuneration Code
- SYSC 19G.1 General application
- SYSC 19G.2 Remuneration policies and practices
- SYSC 19G.3 Governance and oversight
- SYSC 19G.4 Fixed and variable components of remuneration
- SYSC 19G.5 Application of remuneration requirements to material risk takers
- SYSC 19G.6 Variable remuneration
- SYSC 19G.7 Remuneration committee
- SYSC 19G Annex 1 Other instruments for use in variable remuneration
- SYSC 20 Reverse stress testing [deleted]
- SYSC 21 Risk control: additional guidance
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SYSC 22 Regulatory references
- SYSC 22.1 Application
- SYSC 22.2 Getting, giving and updating references: the main rules
- SYSC 22.3 Drafting the reference and the request for a reference
- SYSC 22.4 Drafting the reference: detailed requirements
- SYSC 22.5 Giving references: additional rules and guidance for all firms
- SYSC 22.6 Giving and updating references: additional rules and guidance
- SYSC 22.7 Getting references: additional rules and guidance for SMCR firms
- SYSC 22.8 Policies and appointed representatives
- SYSC 22.8A Groups and outsourcing
- SYSC 22.9 Records and transitionals
- SYSC 22 Annex 1 Template for regulatory references given by SMCR firms and disclosure requirements
- SYSC 22 Annex 2 Factors to take into account when asking for and giving regulatory references
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SYSC 23 Senior managers and certification regime: Introduction and classification
- SYSC 23.1 Purpose
- SYSC 23.2 Definitions and types of firms
- SYSC 23.3 Overview of the senior managers and certification regime
- SYSC 23.4 Criminal record checks for certain directors
- SYSC 23 Annex 1 Definition of SMCR firm and different types of SMCR firms
- SYSC 23 Annex 2 Form O: Changing firm status under the Senior Managers and Certification Regime
- SYSC 24 Senior managers and certification regime: Allocation of prescribed responsibilities
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SYSC 25 Senior managers and certification regime: Management responsibilities maps and handover procedures and material
- SYSC 25.1 Application and purpose
- SYSC 25.2 Management responsibilities maps: Main rules
- SYSC 25.3 Management responsibilities maps: Exclusion of non-financial services activities for some firms
- SYSC 25.4 Guidance about what should be in a management responsibilities map
- SYSC 25.5 Management responsibilities map should be a single document
- SYSC 25.6 Management responsibilities maps: Material only relevant to EEA SMCR firms
- SYSC 25.7 Guidance about SYSC 25 Annex 1G
- SYSC 25.8 Management responsibilities maps: Records
- SYSC 25.9 Handover procedures and material
- SYSC 25 Annex 1 Examples of the business activities and functions of an SMCR firm
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SYSC 26 Senior managers and certification regime: Overall and local responsibility
- SYSC 26.1 Application
- SYSC 26.2 Purpose
- SYSC 26.3 Main rules
- SYSC 26.4 Exclusions
- SYSC 26.5 Guidance on territorial scope
- SYSC 26.6 Meaning of local and overall responsibility: General
- SYSC 26.7 Meaning of local and overall responsibility: Reporting to the governing body
- SYSC 26.8 Meaning of local and overall responsibility: Not reporting to the governing body
- SYSC 26.9 Who functions should be allocated to
- SYSC 26.10 Group management arrangements and outsourcing
- SYSC 26.11 Link between this chapter and other parts of the senior managers regime
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SYSC 27 Senior managers and certification regime: Certification regime
- SYSC 27.1 Application and purpose
- SYSC 27.2 Requirements of the certification regime
- SYSC 27.3 Territorial scope
- SYSC 27.4 General material about the scope of the certification regime
- SYSC 27.5 Exclusions for emergency and temporary appointments
- SYSC 27.6 Other exclusions
- SYSC 27.7 Specification of functions
- SYSC 27.8 Definitions of the FCA certification functions
- SYSC 27.9 Material relating to several FCA certification functions
- SYSC 27 Annex 1 Examples of how the temporary UK role rule in SYSC 27.5.3R (the 30-day rule) works
- SYSC 28 Insurance distribution: specific knowledge, ability and good repute requirements
- SYSC 28A Regulated funeral plan activities: good repute requirements
- SYSC TP 2 Firms other than common platform firms, insurers, managing agents and the Society
- SYSC TP 3 Remuneration codes
- SYSC TP 5 Financial Services (Banking Reform) Act 2013: Certification and regulatory references
- SYSC TP 6 Transitional Provision 6
- SYSC TP 7 Bank of England and Financial Services Act 2016: Certification and regulatory references
- SYSC TP 8 Bank of England and Financial Services Act 2016: Application to claims management companies
- SYSC TP 9 Updates to reflect CRD V
- SYSC TP 10 Operational resilience
- SYSC TP 11 MIFIDPRU Remuneration Code transitional provision
- SYSC Sch 1 Record keeping requirements
- SYSC Sch 2 Notification requirements
- SYSC Sch 3 Fees and other required payments
- SYSC Sch 4 Powers exercised
- SYSC Sch 5 Rights of action for damages
- SYSC Sch 6 Rules that can be waived
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COCON Code of Conduct
- COCON 1 Application and purpose
- COCON 2 Individual conduct rules
- COCON 3 General factors for assessing compliance
- COCON 4 Specific guidance on individual conduct rules
- COCON TP 1 Transitional provisions: Miscellaneous
- COCON Sch 1 Record keeping requirements
- COCON Sch 2 Notification requirements
- COCON Sch 3 Fees and required payments
- COCON Sch 4 Powers exercised
- COCON Sch 5 Rights of action for damages
- COCON Sch 6 Rules that can be waived
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COND Threshold Conditions
- COND 1 Introduction
- COND 2 The threshold conditions
- COND TP 1 Transitional Provisions
- COND Sch 1 Record keeping requirements
- COND Sch 2 Notification requirements
- COND Sch 3 Fees and other required payments
- COND Sch 4 Powers exercised
- COND Sch 5 Rights of action for damages
- COND Sch 6 Rules that can be waived
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APER Statements of Principle and Code of Practice for Approved Persons
- APER 1 Application and purpose
- APER 2 The Statements of Principle for Approved Persons
- APER 3 Code of Practice for Approved Persons: general
- APER 4 Code of Practice for Approved Persons: specific
- APER App 1 This appendix has been removed until further notice
- APER Sch 1 Record keeping requirements
- APER Sch 2 Notification requirements
- APER Sch 3 Fees and required payments
- APER Sch 5 Rights of action for damages
- APER Sch 6 Rules that can be waived
- FIT Fit and Proper test for Employees and Senior Personnel
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FINMAR Financial Stability and Market Confidence Sourcebook
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FINMAR 2 Short selling
- FINMAR 2.1 Application and purpose
- FINMAR 2.5 Measures to prohibit, restrict or limit transactions in short selling
- FINMAR 2.6 Procedures relating to the market maker exemption and the authorised primary dealer exemption
- FINMAR 2 Annex 1 List of directions on how notifications to use the market maker exemption or authorised primary dealer exemption should be made
- FINMAR Sch 1 Record keeping requirements
- FINMAR Sch 2 Notification requirements
- FINMAR Sch 3 Fees and other required payments
- FINMAR Sch 4 Powers Exercised
- FINMAR Sch 5 Rights of action for damages
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FINMAR 2 Short selling
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TC Training and Competence
- TC 1 Application and Purpose
- TC 2 Competence
- TC 3 Record Keeping
- TC 4 Specified modified requirements
- TC App 1 TC Appendix 1
- TC App 2 Appendix 2
- TC App 3 Appendix 3
- TC App 4 Appropriate Qualification tables
- TC App 5 Appropriate qualification criteria
- TC App 6 Accredited bodies
- TC App 7 Guidelines for qualification gap-fill for retail investment advice
- TC App 8 Professional Standards Data Submission Form
- TC TP 1 Designated Investment Business: Assessments of competence before commencement
- TC TP 2 Designated Investment Business: Assessments of competence in 12 month period after commencement
- TC TP 3 Regulated Mortgage Contracts: Assessments of competence under the Mortgage Code Compliance Board Rules
- TC TP 4 Home Reversion Plans: Assessments of competence before 6 April 2007 in relation to lifetime mortgages
- TC TP 5 Home Reversion Plans: Assessments of competence before 6 April 2007 in relation to Home Reversion Plans only
- TC TP 6 Transitional provisions relating to assessments of competence generally
- TC TP 7 Transitional provisions relating to waivers from existing examination requirements
- TC TP 8 Transitional provisions relating to time limits for attaining qualifications
- TC TP 9 Transitional Provisions relating to MCD credit agreement activities
- TC Sch 1 Record keeping requirements
- TC Sch 2 Notification requirements
- TC Sch 3 Fees and other required payments
- TC Sch 4 Powers exercised
- TC Sch 5 Rights of action for damages
- TC Sch 6 Rules that can be waived
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GEN General Provisions
- GEN 1 FCA approval and emergencies
- GEN 2 Interpreting the Handbook
- GEN 2A Interpreting the Handbook and other documents during the implementation period
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GEN 4 Statutory status disclosure
- GEN 4.1 Application
- GEN 4.2 Purpose
- GEN 4.3 Letter disclosure
- GEN 4.4 Business for retail clients from non-UK offices
- GEN 4.5 Statements about authorisation and regulation by the appropriate regulator
- GEN 4 Annex 1 Statutory status disclosure
- GEN 4 Annex 1A Statutory status disclosure (PRA-authorised persons)
- GEN 4 Annex 1B Statutory status disclosure (TP firms)
- GEN 4 Annex 1C Statutory status disclosure (TP firms under Part 6 of the EU Exit Passport Regulations)
- GEN 5 Regulators' logos and the Key facts logo
- GEN 6 Insurance against financial difficulties
- GEN 7 Charging consumers for telephone calls
- GEN TP 1 Transitional provisions
- GEN TP 2 Transitional Provisions applying across the FCA Handbook and the PRA Rulebook
- GEN TP 3 Transitional Provision in relation to the Alternative Investment Fund Managers Directive Instrument 2013
- GEN TP 4 Transitional Provision on early compliance with the Insurance Distribution Directive applying across the Handbook [deleted]
- GEN TP 5 Transitional provisions applying across the FCA Handbook and Technical Standards relating to the UK’s exit from the EU
- GEN TP 6 Transitional provisions applying to GEN only - status disclosure for temporary permission firms
- GEN Sch 1 Record keeping requirements
- GEN Sch 2 Notification requirements
- GEN Sch 3 Fees and other required payments
- GEN Sch 4 Powers exercised
- GEN Sch 5 Rights of action for damages
- GEN Sch 6 Rules that can be waived
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FEES Fees Manual
- FEES 1 Fees Manual
- FEES 2 General Provisions
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FEES 3 Application, Notification and Vetting Fees
- FEES 3.1 Introduction
- FEES 3.2 Obligation to pay fees
- FEES 3 Annex 1 Authorisation fees payable
- FEES 3 Annex 1A FCA pricing categories
- FEES 3 Annex 2 Application and notification fees payable in relation to collective investment schemes, LTIFs, money market funds and AIFs marketed in the UK
- FEES 3 Annex 3 Application fees payable in connection with Recognised Investment Exchanges and Recognised Auction Platforms
- FEES 3 Annex 6 Fees payable by a BIPRU firm for a permission or guidance on its availability in connection with the BCD and/or CAD [deleted]
- FEES 3 Annex 6A Fees payable for a permission or guidance on its availability in connection with the UK CRR [deleted]
- FEES 3 Annex 8 Fees payable under the Payment Services Regulations, including for authorisation as an authorised payment institution, registration as a small payment institution, notification fees and fees for variation of authorisation and registration
- FEES 3 Annex 9 Special Project Fee for restructuring
- FEES 3 Annex 10 Fees payable under the Electronic Money Regulations, including for authorisation as an authorised electronic money institution, registration as a small electronic money institution or variation thereof and notification fees, in accordance with the Electronic Money Regulations
- FEES 3 Annex 10A Fees payable for registration as a CBTL firm under article 9 of the MCD Order
- FEES 3 Annex 10B Designated Credit Reference Agencies and Finance Platforms Fee
- FEES 3 Annex 10C PPI campaign fees
- FEES 3 Annex 11 Guidance on fees due under FEES 3 Annex 1R, FEES 3 Annex 3R, FEES 3 Annex 8R, FEES 3 Annex 10R, FEES 3.2.7R(p), FEES 3.2.7R(s) and FEES 3.2.7R(ze)
- FEES 3 Annex 12 UKLA transaction fees
- FEES 3 Annex 13R Fees payable for registration as a credit rating agency, trade repository or securitisation repository
- FEES 3 Annex 14 Other FCA application fees
- FEES 3 Annex 15 FCA Transaction Fees
- FEES 3 Annex 16 Fees for an application for variation of permission
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FEES 4 Periodic fees
- FEES 4.1 Introduction
- FEES 4.2 Obligation to pay periodic fees
- FEES 4.3 Periodic fee payable by firms (other than AIFM qualifiers, ICVCs and UCITS qualifiers)
- FEES 4.4 Information on which fees are calculated
- FEES 4 Annex 1A FCA activity groups, tariff bases and valuation dates
- FEES 4 Annex 2A FCA Fee rates for the period from 1 April 2022 to 31 March 2023
- FEES 4 Annex 2B Ring-Fencing Implementation Fee [deleted]
- FEES 4 Annex 4 Periodic fees in relation to collective investment schemes, AIFs marketed in the UK, small registered UK AIFMs and money market funds payable for the period 1 April 2022 to 31 March 2023
- FEES 4 Annex 5 Periodic fees for designated professional bodies: tariff base, valuation date and tariff rates
- FEES 4 Annex 6 Periodic fees for recognised investment exchanges, and recognised auction platforms payable in relation to the period 1 April 2016 to 31 March 2017
- FEES 4 Annex 10 Periodic fees for MTF operators payable in relation to the period 1 April 2020 to 31 March 2021 [deleted]
- FEES 4 Annex 11 Periodic fees in respect of payment services, electronic money issuance, regulated covered bonds, CBTL business, data reporting services and third party verifiers in relation to the period 1 April 2022 to 31 March 2023
- FEES 4 Annex 11A Definition of annual income for the purposes of calculating fees in fee blocks A.13, A.14, A.18, A.19, A.23 and B. Service Companies, UK Recognised Investment Exchanges, Multilateral Trading Facilities, Organised Trading Facilities, Regulated Benchmark Administrators and Claims Management Companies
- FEES 4 Annex 11B Definition of annual income for the purposes of calculating fees in fee blocks CC1 and CC2
- FEES 4 Annex 12 Guidance on the calculation of tariffs set out in FEES 4 Annex 1AR Part 3
- FEES 4 Annex 13 Guidance on the calculation of tariffs set out in FEES 4 Annex 1AR Part 3
- FEES 4 Annex 14 UKLA periodic fees for the period from 1 April 2022 to 31 March 2023
- FEES 4 Annex 15 Fees relating to the recognition of benchmark administrators and the endorsement of benchmarks for the period 1 April 2022 to 31 March 2023
- FEES 4 Annex 16R Periodic fees for credit rating agencies, trade repositories and securitisation repositories
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FEES 4A Temporary Permissions Regime (TPR) and Financial Service Contracts Regime (FSCR) – periodic fees
- FEES 4A.1 Introduction
- FEES 4A.2 Obligation to pay periodic fees
- FEES 4A Annex 1R TP persons periodic fees for the period from 1 April 2022 to 31 March 2023
- FEES 4A Annex 2 TPR funds periodic fees for the period from 1 April 2022 to 31 March 2023
- FEES 4A Annex 3 Special Project Fee for restructuring
- FEES 4A Annex 4 Special Project Fee for contractual run-off firms
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FEES 5 Financial Ombudsman Service Funding
- FEES 5.1 Application and Purpose
- FEES 5.2 Introduction
- FEES 5.3 The general levy
- FEES 5.4 Information requirement
- FEES 5.5B Case fees
- FEES 5.6 The supplementary levy
- FEES 5.7 Payment
- FEES 5.8 Joining the Financial Ombudsman Service
- FEES 5.9 [deleted]
- FEES 5 Annex 1R Annual General Levy Payable in Relation to the Compulsory Jurisdiction for 2022/23
- FEES 5 Annex 2R Annual Levy Payable in Relation to the Voluntary Jurisdiction 2022/23
- FEES 5 Annex 3R Case Fees Payable for 2022/23
- FEES 5 Annex 4R Definition of annual income for the purposes of the FOS general levy where the firm is a claims management company
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FEES 6 Financial Services Compensation Scheme Funding
- FEES 6.1 Application
- FEES 6.2 Exemption
- FEES 6.3 The FSCS's power to impose levies
- FEES 6.4 Management expenses
- FEES 6.4A Management expenses in respect of relevant schemes
- FEES 6.5 Compensation costs
- FEES 6.5A The retail pool
- FEES 6.6 Incoming EEA firms [deleted]
- FEES 6.7 Payment of levies
- FEES 6 Annex 1 Financial Services Compensation Scheme - Management Expenses Levy Limit
- FEES 6 Annex 2 Financial Services Compensation Scheme - annual levy limits
- FEES 6 Annex 3A Financial Services Compensation Scheme - classes and categories
- FEES 6 Annex 4 Guidance on the calculation of tariff bases
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FEES 7A SFGB levies
- FEES 7A.1 Application and Purpose
- FEES 7A.2 The SFGB levy
- FEES 7A.3 The SFGB money advice levy and debt advice levy
- FEES 7A.4 The SFGB pensions guidance advice levy
- FEES 7A Annex 1 SFGB money advice levy for the period from 1 April 2022 to 31 March 2023
- FEES 7A Annex 2 SFGB debt advice levy for the period from 1 April 2022 to 31 March 2023
- FEES 7A Annex 3 SFGB pensions guidance levy for the period 1 April 2022 to 31 March 2023
- FEES 7B The DA levy
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FEES 7C Temporary Permissions Regime (TPR) and Financial Service Contracts Regime (FSCR) - Single Financial Guidance Body levy
- FEES 7C.1 Application and purpose
- FEES 7C.2 The TPR SFGB levy
- FEES 7C.3 The TPR SFGB money advice levy and debt advice levy
- FEES 7C.4 The TPR SFGB pensions guidance advice levy
- FEES 7C.5 FEES 4 rules incorporated into FEES 7C by cross-reference
- FEES 7C Annex 1R TPR SFGB money advice levy for the period from 1 April 2022 to 31 March 2023
- FEES 7C Annex 2R TPR SFGB debt advice levy for the period from 1 April 2022 to 31 March 2023
- FEES 7C Annex 3R TPR SFGB pensions guidance levy for the period 1 April 2022 to 31 March 2023
- FEES 7D Temporary Permissions Regime (TPR) – Devolved Authorities levy
- FEES 8 Interim Fees
- FEES 9 Payment Systems Regulator funding
- FEES 12 FOS ADR levy
- FEES 13 Illegal money lending levy
- FEES 13A Temporary Permissions Regime (TPR) and Financial Service Contracts Regime (FSCR) – Illegal money lending levy
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FEES App 1 Unauthorised Mutuals Registration Fees Rules
- FEES App 1.1 Introduction
- FEES App 1.2 Periodic Fees
- FEES App 1.3 Application Fees
- FEES App 1 Annex 1 Periodic fees payable for the period 1 April 2018 to 31 March 2019 [deleted]
- FEES App 1 Annex 1A Application Fees payable
- FEES App 1 Annex 2 Further information on fees
- FEES App 1 Annex 3 Emergencies [deleted]
- FEES App 1 Annex 4 Glossary of definitions
- FEES App 1 Annex 5 Personal inspection
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FEES App 2 Office for Professional Body Anti-money laundering Supervision fees
- FEES App 2.1 Introduction
- FEES App 2.2 Application fees imposed under Regulation 27 of the OPBAS Regulations
- FEES App 2.3 Periodic fees imposed under Regulation 27 of the OPBAS Regulations
- FEES App 2 Annex 1 Application fee imposed under Regulation 27 of the OPBAS Regulations
- FEES App 2 Annex 2 Periodic fees imposed under Regulation 27 of the OPBAS Regulations: tariff base, review date, tariff rates
- FEES App 2 Annex 3 Glossary of definitions
- FEES App 3 Fees payable by persons registered under the Money Laundering Regulations that are not cryptoasset businesses
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FEES App 4 Fees payable by cryptoasset businesses registered under the Money Laundering Regulations
- FEES App 4.1 Introduction
- FEES App 4.2 Application fees
- FEES App 4.3 Periodic fees
- FEES App 4 Annex 1 Application fee payable by cryptoasset businesses registered under the Money Laundering Regulations
- FEES App 4 Annex 2 Periodic fees payable by cryptoasset businesses registered under the Money Laundering Regulations
- FEES App 4 Annex 3 Definition of annual income for the calculation of fees
- FEES TP 1 Transitional Provisions
- FEES TP 2 Transitional provisions relating to changes to the FSCS levy arrangements taking effect in 2007/8 and in 2008/9
- FEES TP 3 Transitional provisions relating to changes to the FSCS levy arrangements taking effect in 2010/11
- FEES TP 4 Transitional provisions relating to information requirements following changes to FEES 4 or 5
- FEES TP 5 Transitional Provisions relating to the Special Project Fee for Restructuring
- FEES TP 7 Transitional provisions relating to changes to the FSCS levy arrangements taking effect in 2013/14
- FEES TP 8 Transitional provisions relating to FEES 3 Annex 9R and FEES 4.3.6R taking effect in 2013/14
- FEES TP 9 Transitional arrangements in relation to amendments introduced by the Compensation Sourcebook (Investments by Large Unincorporated Associations and Certain Large Partnerships) Instrument 2013
- FEES TP 10 Transitional Provisions relating to FEES 4.2.7BR for firms carrying on credit related regulated activities
- FEES TP 11 Transitional Provisions for the Benchmarks Order 2015
- FEES TP 13 Transitional provisions relating to the calculation of tariff bases for insurers
- FEES TP 14 Transitional provisions relating to FEES 4 for benchmark administrators and recognised investment exchanges
- FEES TP 15 Transitional Provisions for the MiFID II Order
- FEES TP 16R Transitional Provisions for Market Data Processor System Connectivity Fees
- FEES TP 17R Transitional provisions relating to the Payment Services Regulations 2017 and Electronic Money Regulations 2011
- FEES TP 17A Transitional provisions for fees relating to benchmark administrators
- FEES TP 18 Transitional provisions relating to changes to the FSCS levy arrangements taking effect in 2018/19
- FEES TP 19 Transitional provisions relating to statements provided by participant firms before 1 April 2019 with respect to the FSCS 2019/20 financial year
- FEES TP 19A Transitional provisions relating to the payment of fees in 2019/20, taking effect on 14 March 2019
- FEES TP 20 Transitional provisions relating to the Temporary Permissions regime for Claims Management Companies, taking effect on 1 January 2019
- FEES TP 20A Transitional provisions relating to changes to the FSCS levy arrangements taking effect in 2019/20
- FEES TP 21 Transitional provisions relating to FSCS levy arrangements from IP completion day
- FEES TP 22 Transitional provisions relating to FSCS levy arrangements for TP firms from IP completion day
- FEES TP 23 Transitional provisions for a data reporting services provider that was an incoming data reporting services provider prior to IP completion day
- FEES Sch 1 [to follow]
- FEES Sch 2 [to follow]
- FEES Sch 3 [to follow]
- FEES Sch 4 Powers exercised
- FEES Sch 5 [to follow]
- FEES Sch 6 Rules that can be waived
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PRIN Principles for Businesses
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Prudential Standards
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GENPRU General Prudential sourcebook
- GENPRU 1 Application [deleted]
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GENPRU 3 Cross sector groups
- GENPRU 3.1 Application
- GENPRU 3.2 Third-country groups
- GENPRU 3.3 Actions for damages
- GENPRU 3 Annex 1 Capital adequacy calculations for financial conglomerates (GENPRU 3.1.29R)
- GENPRU 3 Annex 2 Prudential rules for third country groups (GENPRU 3.2.8R to GENPRU 3.2.9R)
- GENPRU 3 Annex 3 Guidance Notes for Classification of Groups
- GENPRU 3 Annex 4 (see GENPRU 3.1.5R)
- GENPRU TP 7 [deleted]
- GENPRU TP 9 [deleted]
- GENPRU TP 14 [deleted]
- GENPRU TP 16 [deleted]
- GENPRU Sch 4 Powers exercised
- GENPRU Sch 5 Rights of action for damages
- GENPRU Sch 6 Rules that can be waived
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INSPRU Prudential sourcebook for Insurers
- INSPRU 1 Capital resources requirements and technical provisions for insurance business
- INSPRU 3 Market risk
- INSPRU 7 Individual Capital Assessment
- INSPRU 8 General provisions applying INSPRU and GENPRU to Lloyd's
- INSPRU 9 Actions for damages
- INSPRU TP Transitional provisions
- INSPRU Sch 1 Record keeping requirements
- INSPRU Sch 2 Notification and reporting requirements
- INSPRU Sch 3 Fees and other requirement payments
- INSPRU Sch 4 Powers exercised
- INSPRU Sch 5 Rights of action for damages
- INSPRU Sch 6 Rules that can be waived
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MIFIDPRU Prudential sourcebook for MiFID Investment Firms
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MIFIDPRU 1 Application
- MIFIDPRU 1.1 Application and purpose
- MIFIDPRU 1.2 SNI MIFIDPRU investment firms
- MIFIDPRU 1.3 Actions for damages
- MIFIDPRU 1 Annex 1 Notification under MIFIDPRU 1.2.4R in respect of the use of the alternative approach to measure AUM and/or COH for the purpose of determining if a firm can be classified as an SNI investment firm
- MIFIDPRU 1 Annex 2 Notification under MIFIDPRU 1.2.7R(2) of the use of an end-of-day value for CMH as a result of a qualifying error
- MIFIDPRU 1 Annex 3 Notification under MIFIDPRU 1.2.13R(2)(b) that a non-SNI investment firm qualifies to be reclassified as an SNI investment firm
- MIFIDPRU 1 Annex 4 Notification under MIFIDPRU 1.2.16R that a firm no longer qualifies to be classified as an SNI investment firm
- MIFIDPRU 1 Annex 5 Application for a permission under MIFIDPRU for which there is no dedicated application form
- MIFIDPRU 1 Annex 6 Notification under MIFIDPRU for which there is no dedicated notification form
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MIFIDPRU 2 Level of application of requirements
- MIFIDPRU 2.1 Application and purpose
- MIFIDPRU 2.2 General principle
- MIFIDPRU 2.3 Exemptions
- MIFIDPRU 2.4 Investment firm groups: general
- MIFIDPRU 2.5 Prudential consolidation
- MIFIDPRU 2.6 The group capital test
- MIFIDPRU 2.7 Investment holding companies, mixed financial holding companies and mixed-activity holding companies
- MIFIDPRU 2 Annex 1 Application under MIFIDPRU 2.3.3R for an exemption from application of specific requirements on an individual basis
- MIFIDPRU 2 Annex 2 Application under MIFIDPRU 2.4.17R for permission to apply the group capital test
- MIFIDPRU 2 Annex 3 Notification under MIFIDPRU 2.5.17R of intended use of proportional consolidation in respect of a relevant financial undertaking
- MIFIDPRU 2 Annex 4 Application under MIFIDPRU 2.5.19R for an exemption from liquidity requirements on a consolidated basis
- MIFIDPRU 2 Annex 5 Application under MIFIDPRU 2.5.34R(2) for permission to use offsetting positions when calculating K-NPR on a consolidated basis
- MIFIDPRU 2 Annex 6 Application under MIFIDPRU 2.5.40R for permission to include a portfolio of a designated investment firm in consolidated K-CMG
- MIFIDPRU 2 Annex 7 Application under MIFIDPRU 2.5.41R for permission to include portfolio of a third country entity in consolidated K-CMG
- MIFIDPRU 2 Annex 8 Notification under MIFIDPRU 2.4.20R relating to membership of an investment firm group and/or a financial conglomerate
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MIFIDPRU 3 Own funds
- MIFIDPRU 3.1 Application and purpose
- MIFIDPRU 3.2 Composition of own funds and initial capital
- MIFIDPRU 3.3 Common equity tier 1 capital
- MIFIDPRU 3.4 Additional Tier 1 capital
- MIFIDPRU 3.5 Tier 2 capital
- MIFIDPRU 3.6 General requirements for own funds instruments
- MIFIDPRU 3.7 Composition of capital for parent undertakings subject to the group capital test
- MIFIDPRU 3 Annex 1 Application under MIFIDPRU 3.3.2R - permission to include interim or year-end profits as CET1
- MIFIDPRU 3 Annex 2 Application under MIFIDPRU 3.3.3R(1) - permission to classify capital instruments as CET1
- MIFIDPRU 3 Annex 3 Notification under MIFIDPRU 3.3.3R(2) - issuance of additional capital instruments that have already been approved as CET1 instruments
- MIFIDPRU 3 Annex 4 Application under MIFIDPRU 3.6.2R - permission to reduce own funds instruments when neither condition in MIFIDPRU 3.6.4R applies
- MIFIDPRU 3 Annex 5 Notification under MIFIDPRU 3.6.3R - intended reduction in own funds instruments where a condition in MIFIDPRU 3.6.4R applies
- MIFIDPRU 3 Annex 6 Notification under MIFIDPRU 3.6.5R of issuance of additional tier 1 or tier 2 instruments
- MIFIDPRU 3 Annex 7R Additional provisions relating to own funds
- MIFIDPRU 3 Annex 8R Prudent valuation and additional valuation adjustments
-
MIFIDPRU 4 Own funds requirements
- MIFIDPRU 4.1 Application
- MIFIDPRU 4.2 Initial capital requirement
- MIFIDPRU 4.3 Own funds requirement
- MIFIDPRU 4.4 Permanent minimum capital requirement
- MIFIDPRU 4.5 Fixed overheads requirement
- MIFIDPRU 4.6 Overall K-factor requirement
- MIFIDPRU 4.7 K-AUM requirement
- MIFIDPRU 4.8 K-CMH requirement
- MIFIDPRU 4.9 K-ASA requirement
- MIFIDPRU 4.10 K-COH requirement
- MIFIDPRU 4.11 Trading book and dealing on own account: general provisions
- MIFIDPRU 4.12 K-NPR requirement
- MIFIDPRU 4.13 K-CMG requirement
- MIFIDPRU 4.14 K-TCD requirement
- MIFIDPRU 4.15 K-DTF requirement
- MIFIDPRU 4.16 K-CON requirement
- MIFIDPRU 4 Annex 1R Application under MIFIDPRU 4.11.9R – permission to exclude hedges from article 352 of the UK CRR
- MIFIDPRU 4 Annex 2R Application under MIFIDPRU 4.12.4R for permission to use an advanced internal market risk model
- MIFIDPRU 4 Annex 3R Application under MIFIDPRU 4.12.6R – material change or extension to internal market risk models
- MIFIDPRU 4 Annex 4R Notification under MIFIDPRU 4.12.7R – non-material change or extension to use of an internal model
- MIFIDPRU 4 Annex 5R Notification under MIFIDPRU 4.12.10R and 4.14.20R – use of own delta estimates for standardised approach for options (K-NPR)
- MIFIDPRU 4 Annex 6R Application under MIFIDPRU 4.12.66R to use sensitivity models to calculate interest rate risk on derivative instruments
- MIFIDPRU 4 Annex 7R Application under MIFIDPRU 4.13.9R – permission for K-CMG
- MIFIDPRU 4 Annex 8R Notification under MIFIDPRU 4.13.10R – K-CMG conditions no longer satisfied
- MIFIDPRU 4 Annex 9R Notification under MIFIDPRU 4.13.20R – cancellation of K-CMG permission
- MIFIDPRU 4 Annex 10R Application under MIFIDPRU 4.14.6R – permission to exclude transactions with some counterparties from K-TCD
- MIFIDPRU 4 Annex 11R Application under MIFIDPRU 4.5.9R – permission to rebase fixed overhead requirement
- MIFIDPRU 4 Annex 12G Guidance on the interaction between K-AUM and K-COH
- MIFIDPRU 4 Annex 13R K-NPR requirement - provisions on closely correlated currencies
-
MIFIDPRU 5 Concentration risk
- MIFIDPRU 5.1 Application and purpose
- MIFIDPRU 5.2 Monitoring obligation
- MIFIDPRU 5.3 Overview of concentration risk requirements for dealing on own account
- MIFIDPRU 5.4 Calculation of exposure value (EV)
- MIFIDPRU 5.5 The concentration risk soft limit and exposure value excess
- MIFIDPRU 5.6 Obligations for a firm that exceeds the concentration risk soft limit
- MIFIDPRU 5.7 Calculating K-CON
- MIFIDPRU 5.8 Procedures to prevent investment firms from avoiding the K-CON own funds requirement
- MIFIDPRU 5.9 The ‘hard’ limits on concentration risk
- MIFIDPRU 5.10 Exclusions
- MIFIDPRU 5.11 Exemption for commodity and emission allowance dealers
- MIFIDPRU 5 Annex 1 Notification under MIFIDPRU 5.6.3R and 5.9.3R that limits for concentration risk have been exceeded
- MIFIDPRU 5 Annex 2 Notifications under MIFIDPRU 5.11.2R in respect of the exemption from K-CON requirement for commodity and emission allowance dealers
- MIFIDPRU 6 Basic liquid assets requirement
-
MIFIDPRU 7 Governance and risk management
- MIFIDPRU 7.1 Application
- MIFIDPRU 7.2 Internal governance
- MIFIDPRU 7.2A Risk management function
- MIFIDPRU 7.3 Risk, remuneration and nomination committees
- MIFIDPRU 7.4 Internal capital adequacy and risk assessment (ICARA) process: overview and baseline obligations
- MIFIDPRU 7.5 ICARA process: capital and liquidity planning, stress testing, wind-down planning and recovery planning
- MIFIDPRU 7.6 ICARA process: assessing and monitoring the adequacy of own funds
- MIFIDPRU 7.7 ICARA process: assessing and monitoring the adequacy of liquid assets
- MIFIDPRU 7.8 Reviewing and documenting the ICARA process
- MIFIDPRU 7.9 ICARA process: firms forming part of a group
- MIFIDPRU 7.10 Supervisory review and evaluation process
- MIFIDPRU 7 Annex 1 Guidance on assessing potential harms that is potentially relevant to all firms
- MIFIDPRU 7 Annex 2 Additional guidance on assessing potential harms that is relevant for firms dealing on own account or firms with significant investments on their balance sheet
- MIFIDPRU 7 Annex 3 Notification under MIFIDPRU 7.1 and SYSC 19G.1 on the requirements to establish certain committees or the additional remuneration requirements
- MIFIDPRU 7 Annex 4 Notification under MIFIDPRU 7.6.11R in relation to level of own funds
- MIFIDPRU 7 Annex 5 Notification under MIFIDPRU 7.7.14R in relation to level of liquid assets
- MIFIDPRU 7 Annex 6 Notification under MIFIDPRU 7.8.4R in relation to revised ICARA assessment questionnaire (data item MIF007) submission date
- MIFIDPRU 7 Annex 7 Map of rules and guidance relating to the ICARA process
-
MIFIDPRU 8 Disclosure
- MIFIDPRU 8.1 Disclosure
- MIFIDPRU 8.2 Risk management objectives and policies
- MIFIDPRU 8.3 Governance arrangements
- MIFIDPRU 8.4 Own funds
- MIFIDPRU 8.5 Own funds requirements
- MIFIDPRU 8.6 Remuneration policy and practices
- MIFIDPRU 8.7 Investment policy
- MIFIDPRU 8 Annex 1R Disclosure template for information required under MIFIDPRU 8.4.1R in respect of own funds
- MIFIDPRU 8 Annex 2R Disclosure template for information required under MIFIDPRU 8.7.1R in respect of voting rights
- MIFIDPRU 9 Reporting
- MIFIDPRU 10 Firms acting as clearing members and indirect clearing firms
- MIFIDPRU TP 1 Own funds transitional provisions
- MIFIDPRU TP 2 Own funds requirements: transitional provisions
- MIFIDPRU TP 3 Group capital test: transitional arrangements
- MIFIDPRU TP 4 K-factor metric calculations: transitional
- MIFIDPRU TP 5 Advance data collection
- MIFIDPRU TP 6 Application of criteria to be classified as an SNI MIFIDPRU investment firm: transitional
- MIFIDPRU TP 7 Transitional provision for own funds instruments without UK CRR approvals before 1 January 2022
- MIFIDPRU TP 8 Commodity and emission allowance dealers
- MIFIDPRU TP 9 IFPRU waivers: transitional
- MIFIDPRU TP 10 Transitional capital and liquidity requirements for former IFPRU investment firms, BIPRU firms or their groups with ICG or ILG issued before 1 January 2022
- MIFIDPRU TP 11 Prudential reporting with a reference date before 1 January 2022
- MIFIDPRU TP 12 Disclosure requirements: transitional provisions
- MIFIDPRU Sch 1 Record-keeping requirements
- MIFIDPRU Sch 2 Notification requirements
- MIFIDPRU Sch 3 Fees and other payment requirements
- MIFIDPRU Sch 4 Rights of action for damages
- MIFIDPRU Sch 5 Rules that can be waived or modified
- MIFIDPRU Sch 6 List of Part 9C rules
-
MIFIDPRU 1 Application
-
MIPRU Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries
- MIPRU 1 Application and general provisions
- MIPRU 2 Responsibility for insurance distribution and MCD credit intermediation activity
- MIPRU 3 Professional indemnity insurance
-
MIPRU 4 Capital resources
- MIPRU 4.1 Application and purpose
- MIPRU 4.2 Capital resources requirements
- MIPRU 4.2A Credit risk capital requirement
- MIPRU 4.2BA Securitisation
- MIPRU 4.2C Credit risk mitigation
- MIPRU 4.2D Liquidity resources requirements
- MIPRU 4.2E Use of external credit assessments
- MIPRU 4.2F Exposures and risk weights
- MIPRU 4.3 Calculation of annual income
- MIPRU 4.4 Calculation of capital resources
- MIPRU 5 Insurance distributors and home finance providers using insurance distribution or home finance mediation services
- MIPRU TP 1 Transitional Provisions
- MIPRU TP 2 Transitional Provisions for former exempt CAD firms
- MIPRU Sch 1 Record keeping requirements
- MIPRU Sch 2 Notification requirements
- MIPRU Sch 3 Fees and other required payments
- MIPRU Sch 4 Powers exercised
- MIPRU Sch 5 Rights of actions for damages
- MIPRU Sch 6 Rules that can be waived
- IPRU-FSOC Interim Prudential sourcebook for Friendly Societies
- IPRU-INS Interim Prudential sourcebook for Insurers
-
IPRU-INV Interim Prudential sourcebook for Investment Businesses
- IPRU-INV -link- Interim Prudential sourcebook for Investment Businesses
- IPRU-INV 1 Application and General Provisions
- IPRU-INV 2 Authorised professional firms
- IPRU-INV 3 Interim Prudential sourcebook for Investment Businesses
- IPRU-INV 4 Lloyd's Firms
-
IPRU-INV 5 Financial resources
- IPRU-INV 5.1 Application
- IPRU-INV 5.2 General requirement
- IPRU-INV 5.3 Financial resources
- IPRU-INV 5.4 Financial resources requirement
- IPRU-INV 5.5 Annual expenditure
- IPRU-INV 5.6 Qualifying subordinated loans
- IPRU-INV 5.7 Qualifying property and qualifying undertakings
- IPRU-INV 5.8 Calculation of own funds and liquid capital
- IPRU-INV 5.9 Liquid Capital Requirement for firms whose permitted business includes establishing, operating or winding up a personal pension scheme
- IPRU-INV 5.10 Expenditure based requirement
- IPRU-INV 5.11 Position risk requirement
- IPRU-INV 5.12 Counterparty risk requirement (CRR)
- IPRU-INV 5.13 Counterparty risk factor: cash settlements
- IPRU-INV 5.14 Counterparty risk requirement
- IPRU-INV 5.15 OTC derivatives: calculation of credit equivalent amount
- IPRU-INV 5.16 Foreign exchange requirement
- IPRU-INV 5.17 Other assets requirement
- IPRU-INV 5.18 Consolidated supervision
- IPRU-INV 5 App 1 Appendix 5(1): Glossary of terms for IPRU-INV 5
- IPRU-INV 6 Service Companies
- IPRU-INV 11 Collective Portfolio Management Firms and Collective Portfolio Management Investment Firms
- IPRU-INV 12 Financial resources requirements for operators of electronic systems in relation to lending.
- IPRU-INV 12 App 1 Appendix 1: Glossary of terms for IPRU(INV) 12
-
IPRU-INV 13 Financial Resources Requirements for Personal Investment Firms
- IPRU-INV 13.1 APPLICATION, GENERAL REQUIREMENTS AND PROFESSIONAL INDEMNITY INSURANCE REQUIREMENTS
- IPRU-INV 13.3 FINANCIAL RESOURCES TEST 1 - OWN FUNDS
- IPRU-INV 13.6 Large exposures [deleted]
- IPRU-INV 13.8 Trading Book [deleted]
- IPRU-INV 13.13 CAPITAL RESOURCES REQUIREMENT FOR A PERSONAL INVESTMENT FIRM
- IPRU-INV 13.14 CALCULATION OF ANNUAL INCOME FOR A PERSONAL INVESTMENT FIRM
- IPRU-INV 13.15 CALCULATION OF OWN FUNDS TO MEET THE CAPITAL RESOURCES REQUIREMENT FOR A PERSONAL INVESTMENT FIRM
- IPRU-INV 14 Chapter 14 Consolidated Supervision for Investment Businesses
- IPRU-INV 14 App 1 Appendix 14(1): Interpretation
- IPRU-INV Annex A LIMITED LIABILITY PARTNERSHIPS: ELIGIBLE MEMBERS' CAPITAL
- IPRU-INV Annex D Interim Prudential sourcebook for Investment Businesses
- IPRU-INV TP 1 Table: Transitional provisions applying to IPRU(INV)
-
GENPRU General Prudential sourcebook
-
Business Standards
-
COBS Conduct of Business Sourcebook
- COBS 1 Application
-
COBS 2 Conduct of business obligations
- COBS 2.1 Acting honestly, fairly and professionally
- COBS 2.2 Information disclosure before providing services (other than MiFID and insurance distribution)
- COBS 2.2A Information disclosure before providing services (MiFID and insurance distribution provisions)
- COBS 2.2B SRD requirements
- COBS 2.3 Inducements relating to business other than MiFID, equivalent third country or optional exemption business and insurance-based investment products
- COBS 2.3A Inducements relating to MiFID, equivalent third country or optional exemption business and insurance-based investment products
- COBS 2.3B Inducements and research
- COBS 2.3C Research and execution services
- COBS 2.4 Agent as client and reliance on others
- COBS 2.5 Optional additional products
- COBS 3 Client categorisation
-
COBS 4 Communicating with clients, including financial promotions
- COBS 4.1 Application
- COBS 4.2 Fair, clear and not misleading communications
- COBS 4.3 Financial promotions to be identifiable as such
- COBS 4.4 Compensation information
- COBS 4.5 Communicating with retail clients (non-MiFID provisions)
- COBS 4.5A Communicating with clients (including past, simulated past and future performance) (MiFID provisions)
- COBS 4.6 Past, simulated past and future performance (non-MiFID provisions)
- COBS 4.7 Direct offer financial promotions and promotions of non-readily realisable securities and P2P agreements
- COBS 4.8 Cold calls and other promotions that are not in writing
- COBS 4.9 Financial promotions with an overseas element
- COBS 4.10 Systems and controls and approving and communicating financial promotions
- COBS 4.11 Record keeping: financial promotion
- COBS 4.12 Restrictions on the promotion of non-mainstream pooled investments
- COBS 4.13 UCITS
- COBS 4.14 Restrictions on the promotion of speculative illiquid securities to retail clients
- COBS 4 Annex 1 Risk summaries
- COBS 5 Distance communications
-
COBS 6 Information about the firm, its services and remuneration
- COBS 6.1 Information about the firm and compensation information (non-MiFID and non-insurance distribution provisions)
- COBS 6.1ZA Information about the firm and compensation information (MiFID and insurance distribution provisions)
- COBS 6.1A Adviser charging and remuneration
- COBS 6.1B Retail investment product provider, operator of an electronic system in relation to lending, and platform service provider requirements relating to adviser charging and remuneration
- COBS 6.1C Consultancy charging and remuneration
- COBS 6.1D Product provider requirements relating to consultancy charging and remuneration
- COBS 6.1E Platform services: platform charges and using a platform service for advising
- COBS 6.1F Using a platform service for arranging and advising
- COBS 6.1G Re-registration of title to retail investment products
- COBS 6.1H Platform switching
- COBS 6.2A Describing advice services [deleted]
- COBS 6.2B Describing advice services
- COBS 6.4 Disclosure of charges, remuneration and commission
- COBS 6 Annex 1 Services and costs disclosure document described in COBS 6.3.7G(1) [deleted]
- COBS 6 Annex 2 Combined initial disclosure document described in COBS 6.3, ICOBS 4.5 and MCOB 4.4A.20G [deleted]
- COBS 6 Annex 3 [deleted]
- COBS 6 Annex 4 [deleted]
- COBS 6 Annex 5 [deleted]
- COBS 6 Annex 6 Calculating commission equivalent
- COBS 6 Annex 7 Identified costs that should form part of the costs to be disclosed to clients
- COBS 7 Insurance distribution
- COBS 8 Client agreements (non-MiFID provisions)
- COBS 8A Client agreements (MiFID provisions)
-
COBS 9 Suitability (including basic advice) (other than MiFID and insurance-based investment products)
- COBS 9.1 Application and purpose provisions
- COBS 9.2 Assessing suitability
- COBS 9.3 Guidance on assessing suitability
- COBS 9.4 Suitability reports
- COBS 9.5 Record keeping and retention periods for suitability records
- COBS 9.5A Additional guidance for firms with insistent clients
- COBS 9.6 Special rules for giving basic advice on a stakeholder product
- COBS 9 Annex 1 Basic advice initial disclosure information
- COBS 9 Annex 2 Sales processes for stakeholder products
- COBS 9A Suitability (MiFID and insurance-based investment products provisions)
-
COBS 10 Appropriateness (for non-MiFID and non-insurance-based investment products non-advised services) (non-MiFID and non-insurance-based investment products provisions)
- COBS 10.1 Application
- COBS 10.2 Assessing appropriateness: the obligations
- COBS 10.3 Warning the client
- COBS 10.4 Assessing appropriateness: when it need not be done
- COBS 10.5 Assessing appropriateness: guidance
- COBS 10.6 When a firm need not assess appropriateness
- COBS 10.7 Record keeping and retention periods for appropriateness records
-
COBS 10A Appropriateness (for non-advised services) (MiFID and insurance-based investment products provisions)
- COBS 10A.1 Application
- COBS 10A.2 Assessing appropriateness: the obligations
- COBS 10A.3 Warning the client
- COBS 10A.4 Assessing appropriateness: when it need not be done due to type of investment
- COBS 10A.5 Assessing appropriateness: guidance
- COBS 10A.6 Assessing appropriateness: when a firm need not assess appropriateness due to suitability assessment
- COBS 10A.7 Record keeping and retention periods for appropriateness records
-
COBS 11 Dealing and managing
- COBS 11.1 Application
- COBS 11.2 Best execution for AIFMs and residual CIS operators
- COBS 11.2A Best execution – MiFID provisions
- COBS 11.2B Best execution for UCITS management companies
- COBS 11.2C Quality of execution
- COBS 11.3 Client order handling
- COBS 11.4 Client limit orders
- COBS 11.5 Record keeping: client orders and transactions [deleted]
- COBS 11.5A Record keeping: client orders and transactions
- COBS 11.6 Use of dealing commission [deleted]
- COBS 11.7 Personal account dealing
- COBS 11.7A Personal account dealing relating to MiFID, equivalent third country or optional exemption business
- COBS 11.8 Recording telephone conversations and electronic communications [deleted]
- COBS 11 Annex 1UK Regulatory Technical Standard 28 (RTS 28) [deleted]
- COBS 11A Underwriting and placing
- COBS 12 Investment research
-
COBS 13 Preparing product information
- COBS 13.1 The obligation to prepare product information
- COBS 13.2 Product information: production standards, form and contents
- COBS 13.3 Contents of a key features document
- COBS 13.4 Contents of a key features illustration
- COBS 13.5 Preparing product information: other projections
- COBS 13.6 Preparing product information: adviser and consultancy charges
- COBS 13 Annex 1 Solvency II Directive Information
- COBS 13 Annex 2 Projections
- COBS 13 Annex 3 Charges information for a non-PRIIP packaged product
- COBS 13 Annex 4 Charges information for a personal pension scheme and a stakeholder pension scheme
-
COBS 14 Providing product information to clients
- COBS 14.1 Interpretation
- COBS 14.2 Providing product information to clients
- COBS 14.3 Information about designated investments (non-MiFID provisions)
- COBS 14.3A Information about financial instruments (MiFID provisions)
- COBS 14.4 Provision of information by an intermediate Unitholder
- COBS 14 Annex 1 Lifetime ISA information
- COBS 15 Cancellation
-
COBS 16 Reporting information to clients (non-MiFID provisions)
- COBS 16.1 Application
- COBS 16.2 Occasional reporting
- COBS 16.3 Periodic reporting
- COBS 16.4 Statements of client designated investments or client money
- COBS 16.5 Quotations for surrender values
- COBS 16.6 Communications to clients – life insurance, long term care insurance and drawdown pensions
- COBS 16 Annex 1R Trade confirmation and periodic information
- COBS 16 Annex 2R Information to be included in a periodic report
- COBS 16A Reporting information to clients (MiFID and insurance-based investment products provisions)
- COBS 17 Claims handling for long-term care insurance
-
COBS 18 Specialist Regimes
- COBS 18.1 Trustee Firms
- COBS 18.2 Energy market activity and oil market activity
- COBS 18.3 Corporate finance business
- COBS 18.4 Stock lending activity
- COBS 18.5 Residual CIS operators and small authorised UK AIFMs
- COBS 18.5A Full-scope UK AIFMs and incoming EEA AIFM branches
- COBS 18.5B UCITS management companies
- COBS 18.6 Lloyd's
- COBS 18.6A Insurance Special Purpose Vehicles (ISPVs)
- COBS 18.7 Depositaries
- COBS 18.8 OPS firms - non scope business[deleted]
- COBS 18.8A OPS firms
- COBS 18.9 ICVCs
- COBS 18.10 Service companies
- COBS 18.11 Authorised professional firms
- COBS 18.12 Operating an electronic system in relation to lending
- COBS 18 Annex 1 Research and inducements for collective portfolio managers
- COBS 18 Annex 2 Record keeping: client orders and transactions
-
COBS 19 Pensions supplementary provisions
- COBS 19.1 Pension transfers, conversions, and opt-outs
- COBS 19.1A Abridged advice on pension transfers and pension conversions
- COBS 19.1B Ban on contingent charging for pension transfers and conversions
- COBS 19.2 Personal pensions, FSAVCs and AVCs
- COBS 19.3 Product disclosure to members of occupational pension schemes
- COBS 19.4 Open market options
- COBS 19.5 Independent governance committees (IGCs) and publication and disclosure of costs and charges
- COBS 19.6 Restriction on charges in qualifying schemes
- COBS 19.6A Restrictions on early exit charges in personal pension schemes and stakeholder pension schemes
- COBS 19.7 Pensions nudge and retirement risk warnings
- COBS 19.8 Disclosure of transaction costs and administration charges in connection with workplace pension schemes
- COBS 19.9 Pension annuity comparison information
- COBS 19.10 Drawdown, investment pathways and cash warnings
- COBS 19 Annex 1 Pensions nudge and retirement risk warnings - steps to take
- COBS 19 Annex 2 Communications about options to access pension savings
- COBS 19 Annex 3 Format for annuity information
- COBS 19 Annex 4A Appropriate pension transfer analysis
- COBS 19 Annex 4B Transfer value comparator
- COBS 19 Annex 4C Assumptions
- COBS 19 Annex 5 Format for provision of transfer value comparator
- COBS 20 With-profits
- COBS 21 Permitted Links and conditional permitted links
-
COBS 22 Restrictions on the distribution of certain complex investment products
- COBS 22.1 Temporary restrictions on contingent convertible instruments [expired]
- COBS 22.2 Restrictions on the retail distribution of mutual society shares
- COBS 22.3 Restrictions on the retail distribution of contingent convertible instruments and CoCo funds
- COBS 22.4 Prohibition on the retail marketing, distribution and sale of derivative contracts of a binary or other fixed outcomes nature
- COBS 22.5 Restrictions on the retail marketing, distribution and sale of contracts for differences and similar speculative investments
- COBS 22.6 Prohibition on the retail marketing, distribution and sale of cryptoasset derivatives and cryptoasset exchange traded notes
- COBS TP 1 Transitional Provisions relating to Client Categorisation
- COBS TP 2 Other Transitional Provisions
- COBS Sch 1 Record keeping requirements
- COBS Sch 2 Notification requirements
- COBS Sch 3 Fees and other required payments
- COBS Sch 4 Powers exercised
- COBS Sch 5 Rights of action for damages
- COBS Sch 6 Rules that can be waived
-
ICOBS Insurance: Conduct of Business sourcebook
- ICOBS 1 Application
-
ICOBS 2 General matters
- ICOBS 2.1 Client categorisation
- ICOBS 2.2 Communications to clients and financial promotions
- ICOBS 2.3 Inducements
- ICOBS 2.4 Record-keeping
- ICOBS 2.5 Acting honestly, fairly and professionally, exclusion of liability, conditions and warranties
- ICOBS 2.6 Distribution of connected contracts through exempt persons
- ICOBS 3 Distance communications
-
ICOBS 4 Information about the firm, its services and remuneration
- ICOBS 4.1 General requirements for insurance intermediaries and insurers
- ICOBS 4.1A Means of communication to customers
- ICOBS 4.2 Additional requirements for protection policies for insurance intermediaries and insurers
- ICOBS 4.3 Remuneration disclosure
- ICOBS 4.4 Commission disclosure for commercial customers
- ICOBS 4.6 Commission disclosure for pure protection contracts sold with retail investment products
- ICOBS 4 Annex 1 Initial disclosure document [deleted]
- ICOBS 5 Identifying client needs and advising
-
ICOBS 6 Product Information
- ICOBS 6.-1 Producing and providing product information
- ICOBS 6.1 Providing product information to customers: general
- ICOBS 6.2 Pre-contract information: general insurance contracts
- ICOBS 6.3 Pre- and post-contract information: pure protection contracts
- ICOBS 6.4 Pre- and post-contract information: protection policies
- ICOBS 6.5 Renewals
- ICOBS 6.6 Means of communication
- ICOBS 6 Annex 1 Responsibilities of insurers and insurance intermediaries in certain situations
- ICOBS 6 Annex 2 Policy summary (pure protection contracts and / or commercial customers)
- ICOBS 6 Annex 3 Providing product information by way of a standardised insurance information document:
- ICOBS 6A Product specific rules
- ICOBS 6B Home insurance and motor insurance pricing
- ICOBS 7 Cancellation
- ICOBS 8 Claims handling
- ICOBS TP 1 Transitional Provisions
- ICOBS TP 2 Other Transitional Provisions
- ICOBS Sch 1 Record keeping requirements
- ICOBS Sch 2 Notification requirements
- ICOBS Sch 3 Fees and other required payments requirements
- ICOBS Sch 4 Powers exercised
- ICOBS Sch 5 Rights of action for damages
- ICOBS Sch 6 Rules that can be waived
-
MCOB Mortgages and Home Finance: Conduct of Business sourcebook
- MCOB 1 Application and purpose
-
MCOB 2 Conduct of business standards: general
- MCOB 2.1 Application
- MCOB 2.1A Regulated mortgage contracts: guidance on the meaning of “payment shortfall”
- MCOB 2.3 Inducements: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements
- MCOB 2.4 High pressure sales: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements
- MCOB 2.5 Reliance on others
- MCOB 2.5A The customer's best interests
- MCOB 2.6 Exclusion of liability
- MCOB 2.6A Protecting customer’s interests: regulated mortgage contracts, home purchase plans, home reversion plans and regulated sale and rent back agreements
- MCOB 2.7 Application to electronic media and distance communications
- MCOB 2.7A E-Commerce
- MCOB 2.8 Record keeping
- MCOB 2.9 Restriction on marketing or providing an optional product for which a fee is payable
- MCOB 2 Annex 1G Form of joint instruction letter
- MCOB 2A Mortgage Credit Directive
-
MCOB 3A Financial promotions and communications with customers
- MCOB 3A.1 Application and purpose
- MCOB 3A.2 The fair, clear and not misleading rules
- MCOB 3A.3 Other general requirements for financial promotions
- MCOB 3A.4 Qualifying credit financial promotions
- MCOB 3A.5 MCD financial promotions
- MCOB 3A.6 Home purchase plan financial promotions
- MCOB 3A.7 Home reversion plan financial promotions
- MCOB 3A.8 Sale and rent back financial promotions
- MCOB 3A.9 Systems and controls
- MCOB 3B MCD general information
-
MCOB 4 Advising and selling standards
- MCOB 4.1 Application
- MCOB 4.2 Purpose
- MCOB 4.4A Initial disclosure requirements
- MCOB 4.5 Additional disclosure for distance mortgage mediation contracts, distance home purchase mediation contracts and distance regulated sale and rent back mediation contracts with retail customers
- MCOB 4.6 Cancellation of distance mortgage mediation contracts, distance home purchase mediation contracts and distance regulated sale and rent back mediation contracts
- MCOB 4.6A Rolling-up of fees or charges into loan
- MCOB 4.7A Advised sales
- MCOB 4.8A Execution-only sales
- MCOB 4.9 Business loans and loans to high net worth mortgage customers: tailored provisions
- MCOB 4.10 Home purchase plans: sales standards
- MCOB 4.11 Sale and rent back: advising and selling standards
- MCOB 4 Annex 3 Additional information requirements in respect of distance mortgage mediation contracts, distance home purchase mediation contracts and distance regulated sale and rent back mediation contracts with consumers
- MCOB 4A Additional MCD advising and selling standards
-
MCOB 5 Pre-application disclosure
- MCOB 5.1 Application
- MCOB 5.2 Purpose
- MCOB 5.3 Applying for a home finance transaction
- MCOB 5.4 Information on regulated mortgage contracts: general
- MCOB 5.5 Provision of illustrations
- MCOB 5.6 Content of illustrations
- MCOB 5.7 Business loans and loans to high net worth mortgage customers: tailored provisions
- MCOB 5.8 Home purchase plans
- MCOB 5.9 Pre-sale disclosure for regulated sale and rent back agreements
- MCOB 5 Annex 1 The mortgage illustration: table of contents, prescribed text and prescribed section headings and subheadings.
-
MCOB 5A MCD Pre-application disclosure
- MCOB 5A.1 Application and purpose
- MCOB 5A.2 Applying for an MCD regulated mortgage contract
- MCOB 5A.3 Information on MCD regulated mortgage contracts: general
- MCOB 5A.4 Provision of a European Standardised Information Sheet (ESIS)
- MCOB 5A.5 Content of European Standardised Information Sheets (ESISs)
- MCOB 5A.6 Other information
- MCOB 5A Annex 1 European Standardised Information Sheet (ESIS)
- MCOB 5A Annex 2 Instructions to complete the ESIS
-
MCOB 6 Disclosure at the offer stage
- MCOB 6.1 Application
- MCOB 6.2 Purpose
- MCOB 6.3 General
- MCOB 6.4 Mortgages: content of the offer document
- MCOB 6.5 Mortgages: information to be provided in the offer document or separately
- MCOB 6.6 Mortgages: offer documents in place of illustrations
- MCOB 6.7 Business loans and loans to high net worth mortgage customers: tailored provisions
- MCOB 6.8 Home purchase plans
- MCOB 6.9 Regulated sale and rent back agreements
- MCOB 6 Annex 1 Distance home purchase plans: information to be provided to retail customers.
- MCOB 6 Annex 2 - Written Pre-offer Document of a regulated sale and rent back agreement.
- MCOB 6 Annex 3 - Cooling-Off Document of a regulated sale and rent back agreement.
- MCOB 6A MCD disclosure at the offer stage
-
MCOB 7 Disclosure at start of contract and after sale
- MCOB 7.1 Application
- MCOB 7.2 Purpose
- MCOB 7.3 General
- MCOB 7.4 Mortgages: disclosure at the start of the contract
- MCOB 7.5 Mortgages: statements
- MCOB 7.6 Mortgages: event-driven information
- MCOB 7.7 Business loans and loans to high net worth mortgage customers: tailored provisions
- MCOB 7.8 Home purchase plans
- MCOB 7.9 Post-sale disclosure for regulated sale and rent back agreements
- MCOB 7 Annex 1 An example of the Total Borrowing section.
- MCOB 7A Additional MCD disclosure: start of contract and after sale
- MCOB 7B MCD: further advances
- MCOB 8 Equity release: advising and selling standard
-
MCOB 9 Equity release: product disclosure
- MCOB 9.1 Application
- MCOB 9.2 Purpose
- MCOB 9.3 Pre-application disclosure
- MCOB 9.4 Content of illustrations
- MCOB 9.5 Disclosure at the offer stage for equity release transactions
- MCOB 9.6 Disclosure at the start of the contract and after sale for equity release transactions
- MCOB 9.7 Disclosure at the start of the contract: lifetime mortgages
- MCOB 9.8 Disclosure after sale: lifetime mortgages
- MCOB 9.9 Disclosure after sale: home reversion plans
- MCOB 9 Annex 1 The illustration: table of contents, prescribed text and prescribed section headings and subheadings
- MCOB 9 Annex 2 The illustration: table of contents, prescribed text and prescribed section headings and sub-headings
- MCOB 10 Annual Percentage Rate
- MCOB 10A MCD Annual Percentage Rate of Charge
-
MCOB 11 Responsible lending, and responsible financing of home purchase plans
- MCOB 11.4 Application
- MCOB 11.5 Purpose
- MCOB 11.6 Responsible lending and financing
- MCOB 11.7 Transitional arrangements
- MCOB 11.8 Customers unable to change regulated mortgage contract, home purchase plan or provider
- MCOB 11.9 Remortgaging with the same or a different lender with no additional borrowing
-
MCOB 11A Additional MCD responsible lending requirements
- MCOB 11A.1 MCD mortgage credit intermediary: submission of information to MCD mortgage lender
- MCOB 11A.2 Prohibition on cancellation or variation of MCD regulated mortgage contract on grounds of creditworthiness
- MCOB 11A.3 Obtaining information for, and assessment of, affordability from the consumer and rejecting an application
-
MCOB 12 Charges
- MCOB 12.1 Application
- MCOB 12.2 Purpose
- MCOB 12.3 Early repayment charges: regulated mortgage contracts
- MCOB 12.4 Payment shortfall charges: regulated mortgage contracts
- MCOB 12.5 Excessive charges: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements
- MCOB 12.6 Business loans and loans to high net worth mortgage customers: tailored provisions
- MCOB 12.7 Home purchase plans
-
MCOB 13 Arrears, payment shortfalls and repossessions: regulated mortgage contracts and home purchase plans
- MCOB 13.1 Application
- MCOB 13.2 Purpose
- MCOB 13.3 Dealing fairly with customers with a payment shortfall: policy and procedures
- MCOB 13.4 Arrears: provision of information to the customer of a regulated mortgage contract
- MCOB 13.4A Data sharing with other charge holders
- MCOB 13.5 Dealing with a customer in arrears or with a sale shortfall on a regulated mortgage contract
- MCOB 13.6 Repossessions
- MCOB 13.7 Business loans and loans to high net worth mortgage customers: tailored provisions
- MCOB 13.8 Home purchase plans
- MCOB 14 MCD article 3(1)(b) credit agreements
-
MCOB 15 P2P home finance activities
- MCOB 15.1 Handbook provisions which apply in respect of home finance transactions entered into via a P2P platform
- MCOB 15.2 Guidance on the application of MCOB where agreements are facilitated by a P2P platform
- MCOB 15.3 Further provisions about the application of MCOB where agreements are facilitated by a P2P platform
- MCOB 15.4 Modifications
- MCOB 15.5 MCOB provisions disapplied from P2P platform operators
- MCOB TP 1 MCD Transitional Provisions
- MCOB TP 4 Other Transitional Provisions
- MCOB TP 5 Transitional Provisions: Regulated mortgage contracts
- MCOB Sch 1 Record keeping requirements
- MCOB Sch 2 Notification Requirements
- MCOB Sch 3 Fees and other required payments
- MCOB Sch 4 Powers exercised
- MCOB Sch 5 Rights of action for damages
- MCOB Sch 6 Rules that can be waived
-
BCOBS Banking: Conduct of Business sourcebook
- BCOBS 1 Application
-
BCOBS 2 Communications and financial promotions
- BCOBS 2.1 Purpose and Application: Who and what?
- BCOBS 2.2 The fair, clear and not misleading rule
- BCOBS 2.2A Summary box for savings accounts
- BCOBS 2.2B General information about overdrafts for personal current accounts
- BCOBS 2.3 Other general requirements for communications and financial promotions
- BCOBS 2.4 Cash deposit ISAs and cash deposit CTFs
- BCOBS 2 Annex 1 Form of Summary Box for Savings Accounts
- BCOBS 2 Annex 2 Guidance on presentation of interest-rate information in savings account summary box
- BCOBS 2A Optional additional products
- BCOBS 3 Distance communications
- BCOBS 4 Information to be communicated to banking customers
- BCOBS 5 Post sale
- BCOBS 6 Cancellation
-
BCOBS 7 Information about current account services
- BCOBS 7.1 Application
- BCOBS 7.2 What information is to be published and how is it to be measured?
- BCOBS 7.3 Account opening information
- BCOBS 7.4 Replacing a debit card
- BCOBS 7.5 Availability of certain services and helplines
- BCOBS 7.6 Publication of information about major operational or security incidents, and complaints information
- BCOBS 7.6A Publication of pricing information about personal current account overdrafts
- BCOBS 7.7 Publication of information about current accounts
- BCOBS 7 Annex 1 Publication of information in a specified format
- BCOBS 8 Tools for personal current account customers
- BCOBS TP 1 Transitional Provisions
- BCOBS Sch 1 Record-keeping requirements
- BCOBS Sch 2 Notification requirements
- BCOBS Sch 3 Fees and other required payments
- BCOBS Sch 4 Powers exercised
- BCOBS Sch 5 Rights of action for damages
- BCOBS Sch 6 Rules that can be waived
-
CMCOB Claims Management: Conduct of Business sourcebook
- CMCOB 1 Application and purpose
- CMCOB 2 Conduct of business
- CMCOB 3 Financial promotions, and communications with customers
- CMCOB 4 Pre-contractual requirements
- CMCOB 5 Fee caps for regulated claims management activities
- CMCOB 6 Post-contractual requirements
- CMCOB 7 Prudential requirements and professional indemnity insurance
- CMCOB 8 Requirements for firms with temporary permission for regulated claims management activities
- CMCOB TP 1 Transitional Provisions
- CMCOB Sch 1 Record-keeping requirements
- CMCOB Sch 2 Notification and reporting requirements
- CMCOB Sch 3 Rights of action for damages
-
FPCOB Funeral Plan: Conduct of Business sourcebook
- FPCOB 1 Application and purpose
- FPCOB 2 General matters
- FPCOB 3 Structure Provisions - arrangements underpinning a funeral plan contract
- FPCOB 4 Communications and financial promotions
- FPCOB 5 Distance communications
- FPCOB 6 Information about the firm and its services
- FPCOB 7 Prohibition on entering into long-term instalment payment funeral plans
- FPCOB 8 Identifying client needs and advising
-
FPCOB 9 Product information
- FPCOB 9.1 Producing and providing product information
- FPCOB 9.2 Providing product information to customers: general
- FPCOB 9.3 Post-contract information: funeral plan contracts
- FPCOB 9.4 Means of communication
- FPCOB 9 Annex 1 Funeral plan summary
- FPCOB 9 Annex 2 Nominated representative document
- FPCOB 9 Annex 3 Plan Statement
- FPCOB 10 Arrangements for the funeral
- FPCOB 11 Fees
- FPCOB 12 Handling of payments by intermediaries
- FPCOB 13 Cancellation
- FPCOB 14 Funeral plan redemption
-
FPCOB 15 Prudential requirements
- FPCOB 15.1 Application and purpose
- FPCOB 15.2 General solvency requirement
- FPCOB 15.3 Core capital resources requirement
- FPCOB 15.4 Capital resources: relevant accounting principles
- FPCOB 15.5 Core capital resources requirement for funeral plan provision activities
- FPCOB 15.6 Core capital resources requirement for a firm that only undertakes funeral plan distribution activity
- FPCOB 15.7 Core capital resources requirement for a firm carrying on other regulated activity
- FPCOB 15.8 Calculation of annual income
- FPCOB 15.9 Calculation of core capital resources
- FPCOB 15.10 Systems, strategies, processes and reviews
- FPCOB 15.11 Action for damages
- FPCOB 16 Resolution requirements
- FPCOB 17 Application of other parts of the Handbook
- FPCOB Sch 1 Recordkeeping requirements
- FPCOB Sch 2 Notification and reporting requirements
- FPCOB Sch 3 Right of action for damages
-
CASS Client Assets
- CASS 1 Application and general provisions
- CASS 1A CASS firm classification and operational oversight
- CASS 3 Collateral
-
CASS 5 Client money: insurance distribution activity
- CASS 5.1 Application
- CASS 5.2 Holding money as agent of an insurance undertaking
- CASS 5.3 Statutory trust
- CASS 5.4 Non-statutory client money trust
- CASS 5.5 Segregation and the operation of client money accounts
- CASS 5.6 Client money distribution
- CASS 5.7 Mandates
- CASS 5.8 Safe keeping of client's documents and other assets
- CASS 5 Annex 1 Segregation of designated investments: permitted investments, general principles and conditions (This Annex belongs to CASS 5.5.14 R)
- CASS 6 Custody rules
-
CASS 7 Client money rules
- CASS 7.10 Application and purpose
- CASS 7.11 Treatment of client money
- CASS 7.12 Organisational requirements: client money
- CASS 7.13 Segregation of client money
- CASS 7.14 Client money held by a third party
- CASS 7.15 Records, accounts and reconciliations
- CASS 7.16 The standard methods of internal client money reconciliation
- CASS 7.17 Statutory trust
- CASS 7.18 Acknowledgment letters
- CASS 7.19 Clearing member client money sub-pools
- CASS 7 Annex 2 Client bank account acknowledgment letter template
- CASS 7 Annex 3 Client transaction account acknowledgment letter template
- CASS 7 Annex 4 Authorised central counterparty acknowledgment letter template
- CASS 7 Annex 5 Guidance notes for acknowledgement letters (CASS 7.18)
- CASS 7 Annex 6 Sub-pool disclosure document
- CASS 7A Client money distribution and transfer
- CASS 8 Mandates
- CASS 9 Information to clients
- CASS 10 CASS resolution pack
-
CASS 11 Debt management client money chapter
- CASS 11.1 Application
- CASS 11.2 Firm classification
- CASS 11.3 Responsibility for CASS operational oversight
- CASS 11.4 Definition of client money and the discharge of fiduciary duty
- CASS 11.5 Organisational requirements
- CASS 11.6 Statutory trust
- CASS 11.7 Selecting an approved bank at which to hold client money
- CASS 11.8 Client bank account acknowledgement letters
- CASS 11.9 Segregation and the operation of client money accounts
- CASS 11.10 Payments to creditors
- CASS 11.11 Records, accounts and reconciliations
- CASS 11.12 CASS 11 resolution pack
- CASS 11.13 Client money distribution in the event of a failure of a firm or approved bank
- CASS 11 Annex 1 CASS debt management firm client bank account acknowledgement letter template
- CASS 11 Annex 2 Guidance notes for client bank account acknowledgement letters (CASS 11.8.5G)
- CASS 12 Commodity Futures Trading Commission Part 30 exemption order
-
CASS 13 Claims management: client money
- CASS 13.1 Application
- CASS 13.2 Organisational requirements and responsibility for CASS operational oversight
- CASS 13.3 Statutory trust
- CASS 13.4 Selecting an approved bank at which to hold client money
- CASS 13.5 Client bank account acknowledgement letters
- CASS 13.6 Segregation and the operation of client money accounts
- CASS 13.7 Money due and payable to the firm
- CASS 13.8 Money due to a client or third party.
- CASS 13.9 Discharge of fiduciary duty
- CASS 13.10 Records, accounts and reconciliations
- CASS 13.11 Client money distribution in the event of a failure of a firm or approved bank
- CASS 13 Annex 1 CASS client bank account acknowledgement letter template
- CASS 13 Annex 2 Guidance notes for client bank account acknowledgement letters (CASS 13.5.5G)
-
CASS 14 Temporary permissions regime – client assets rules
- CASS 14.1 General application
- CASS 14.2 Temporary permission CASS firm classification
- CASS 14.3 Temporary Permission Client Assets Return
- CASS 14.4 Temporary permission auditor’s report
- CASS 14.5 Client information
- CASS 14.6 Tied agents and appointed representatives of TP firms
- CASS 14 Annex 1R Temporary permissions client asset return (TPCAR)
- CASS 14 Annex 2G Guidance notes for the TPCAR
- CASS TP 1 Transitional Provisions
- CASS Sch 1 Record keeping requirements
- CASS Sch 2 Notification requirements
- CASS Sch 3 Fees and other required payments
- CASS Sch 4 Powers exercised
- CASS Sch 5 Rights of actions for damages
- CASS Sch 6 Rules that can be waived
-
MAR Market Conduct
-
MAR 1 Market Abuse
- MAR 1.1 Application and interpretation
- MAR 1.2 Market Abuse: general
- MAR 1.3 Insider dealing
- MAR 1.4 Unlawful disclosure
- MAR 1.6 Manipulating transactions
- MAR 1.7 Manipulating devices
- MAR 1.8 Dissemination
- MAR 1.9 Misleading behaviour & distortion
- MAR 1.10 Statutory exceptions
- MAR 1 Annex 1 Provisions of the Buy-back and Stabilisation Regulation relating to buy-back programmes
- MAR 1 Annex 2 Accepted Market Practices
-
MAR 2 Stabilisation
- MAR 2.1 Application and Purpose [deleted]
- MAR 2.2 Stabilisation: general [deleted]
- MAR 2.3 Stabilisation under the Buy-back and Stabilisation Regulation [deleted]
- MAR 2.4 Stabilisation when the Buy-back and Stabilisation Regulation does not apply [deleted]
- MAR 2.5 The Price Stabilising Rules: overseas provisions
- MAR 2 Annex 1 List of specified exchanges (This is the list of other specified exchanges referred to in MAR 2.2.1R(2)) [deleted]
- MAR 4 Support of the Takeover Panel's Functions
-
MAR 5 Multilateral trading facilities (MTFs)
- MAR 5.1 Application
- MAR 5.2 Purpose
- MAR 5.3 Trading process requirements
- MAR 5.3A Systems and controls for algorithmic trading
- MAR 5.4 Finalisation of transactions
- MAR 5.5 Monitoring compliance with the rules of the MTF
- MAR 5.6 Reporting requirements
- MAR 5.6A Suspension and removal of financial instruments
- MAR 5.7 Pre- and post-trade transparency requirements for equity and non- equity instruments: form of waiver and deferral
- MAR 5.8 Provisions common to pre- and post-trade transparency requirements for shares [deleted]
- MAR 5.9 Post-trade transparency requirements for shares [deleted]
- MAR 5.10 Operation of an SME growth market
- MAR 5 Annex 1D Form in relation to pre-trade transparency
- MAR 5 Annex 2 Form for reporting incentive scheme proposals (MAR 5.6.3R(1))
-
MAR 5A Organised trading facilities (OTFs)
- MAR 5A.1 Application
- MAR 5A.2 Purpose
- MAR 5A.3 Specific requirements for OTFs
- MAR 5A.4 Trading process requirements
- MAR 5A.5 Systems and controls for algorithmic trading
- MAR 5A.6 Finalisation of transactions
- MAR 5A.7 Monitoring compliance with the rules of the OTF
- MAR 5A.8 Reporting requirements
- MAR 5A.9 Suspension and removal of financial instruments
- MAR 5A.10 Pre-trade transparency requirements for non-equity instruments: form of waiver
- MAR 5A.11 Post-trade transparency requirements for non-equity instruments: form of deferral
- MAR 5A Annex 1 Form in relation to pre-trade transparency
- MAR 5AA Multilateral systems
-
MAR 6 Systematic internalisers
- MAR 6.1 Application
- MAR 6.2 Purpose
- MAR 6.3 Criteria for determining whether an investment firm is a systematic internaliser [deleted]
- MAR 6.3A Quality of execution
- MAR 6.4 Systematic internaliser reporting requirement
- MAR 6.4A Quotes in respect of non-equity instruments
- MAR 6.5 Obligations on systematic internalisers in shares to make public firm quotes [deleted]
- MAR 6.6 Size and content of quotes [deleted]
- MAR 6.7 Prices reflecting prevailing market conditions [deleted]
- MAR 6.8 Liquid market for shares, share class, standard market size and relevant market [deleted]
- MAR 6.9 Publication of quotes [deleted]
- MAR 6.10 Execution price of retail client orders [deleted]
- MAR 6.11 Execution price of professional client orders [deleted]
- MAR 6.12 Execution price of client orders not matching quotation sizes [deleted]
- MAR 6.13 Standards and conditions for trading [deleted]
- MAR 6.14 Limiting risk of exposure to multiple transactions [deleted]
- MAR 7 Disclosure of information on certain trades undertaken outside a regulated market or MTF [deleted]
- MAR 7A Algorithmic trading
-
MAR 8 Benchmarks
- MAR 8.1 Application and purpose
- MAR 8.2 Requirements for benchmark submitters [deleted]
- MAR 8.3 Requirements for benchmark administrators [deleted]
- MAR 8.4 Third country benchmark contributors
- MAR 8.5 Regulated benchmark administrators
- MAR 8.6 Responsibility for benchmark activities: benchmark contributors
- MAR 8.7 Procedures for exercising powers in relation to critical benchmarks
-
MAR 9 Data reporting service
- MAR 9.1 Application, introduction, approach and structure
- MAR 9.2 Authorisation and verification
- MAR 9.3 Notification and information
- MAR 9.4 Supervisory regime
- MAR 9.5 Frequently Asked Questions
- MAR 9 Annex 1 Application form to provide the service of ARM and/or APA and/or CTP
- MAR 9 Annex 2 Notification form for list of members of a management body
- MAR 9 Annex 3 Variation of Authorisation of a Data Reporting Services Provider (DRSP)
- MAR 9 Annex 4 Cancellation of Authorisation of a Data Reporting Services Provider (DRSP)
- MAR 9 Annex 5 Material Change in information for a Data Reporting Services Provider (DRSP)
- MAR 9 Annex 6 Notification form for changes to the membership of the management body
- MAR 9 Annex 7 FCA MDP on-boarding application form
- MAR 9 Annex 8 Yearly Notification Form for a Data Reporting Service Provider (DRSP)
- MAR 9 Annex 9 Data Reporting Services Provider (DRSP) Ad hoc notification
- MAR 9 Annex 10 MIS confidentiality agreement
-
MAR 10 Commodity derivative position limits and controls, and position reporting
- MAR 10.1 Application
- MAR 10.2 Position limit requirements
- MAR 10.3 Position management controls
- MAR 10.4 Position reporting
- MAR 10.5 Other reporting, notifications and information requirements
- MAR 10 Annex 1 Application form for a non-financial entity for an exemption from compliance with position limits
- MAR TP 1 Transitional Provisions
- MAR Sch 1 Record keeping requirements
- MAR Sch 2 Notification requirements
- MAR Sch 3 Fees and other required payments
- MAR Sch 4 Powers Exercised
- MAR Sch 5 Rights of action for damages
- MAR Sch 6 Rules that can be waived
-
MAR 1 Market Abuse
-
PROD Product Intervention and Product Governance Sourcebook
- PROD 1 Product Intervention and Product Governance Sourcebook (PROD)
-
PROD 2 Statement of policy with respect to the making of temporary product intervention rules
- PROD 2.1 Purpose
- PROD 2.2 General rule making and product intervention rules
- PROD 2.3 Agreements made in breach of product intervention rules
- PROD 2.4 Temporary product intervention rules
- PROD 2.5 Factors the FCA will consider when making temporary product intervention rules
- PROD 2.6 General considerations for product intervention rules
- PROD 2.7 Contextual considerations for product intervention rules
- PROD 2.8 Competition considerations for temporary product intervention rules
- PROD 2.9 Regulatory principles
- PROD 2.10 Process for making temporary product intervention rules
- PROD 2.11 Consulting the panels
- PROD 2.12 Consulting the PRA
- PROD 2.13 Communication, publication and post-implementation review of temporary product intervention rules
- PROD 2.14 Revocation or replacement of rules
- PROD 3 Product governance: MiFID
-
PROD 4 Product governance: IDD and pathway investments
- PROD 4.1 General
- PROD 4.2 Manufacture of insurance products
- PROD 4.3 Distribution of insurance products
- PROD 4.4 Additional expectations for manufacturers and distributors of insurance products
- PROD 4.5 Additional expectations for manufacturers and distributors in relation to value measures data
- PROD 4.6 Application of PROD 4.2 and 4.3 for legacy non-investment insurance products
- PROD 5 Extended warranties sold with rent-to-own agreements: customer information and deferred opt-in
- PROD 6 Product governance: additional provisions for pathway investments
- PROD 7 Product governance: funeral plans
- PROD TP 1 Transitional Provisions
- PROD TP 2 Transitional Provisions for Funeral Plan Products
- ESG Environmental, Social and Governance sourcebook
-
COBS Conduct of Business Sourcebook
-
Regulatory Processes
-
SUP Supervision
- SUP 1A The FCA's approach to supervision
- SUP 2 Information gathering by the FCA or PRA on its own initiative
-
SUP 3 Auditors
- SUP 3.1 Application
- SUP 3.2 Purpose
- SUP 3.3 Appointment of auditors
- SUP 3.4 Auditors' qualifications
- SUP 3.5 Auditors' independence
- SUP 3.6 Firms' cooperation with their auditors
- SUP 3.7 Notification of matters raised by auditor
- SUP 3.8 Rights and duties of auditors
- SUP 3.10 Duties of auditors: notification and report on client assets
- SUP 3.11 Review of auditor’s client assets report
- SUP 3 Annex 1 SUP 3 Annex 1
- SUP 4 Actuaries
-
SUP 5 Reports by skilled persons
- SUP 5.1 Application and purpose
- SUP 5.2 The FCA’s power
- SUP 5.3 Policy on the use of skilled persons
- SUP 5.4 Appointment and reporting process
- SUP 5.5 Duties of firms
- SUP 5.6 Confidential information and privilege
- SUP 5 Annex 1 Non-exhaustive list of examples of when the FCA may use the skilled person tool (This Annex belongs to SUP 5.3.1AG)
-
SUP 6 Applications to vary and cancel Part 4A permission and to impose, vary or cancel requirements
- SUP 6.1 Application, interpretation and purpose
- SUP 6.2 Introduction
- SUP 6.3 Applications for variation of permission and/or imposition, variation or cancellation of requirements
- SUP 6.4 Applications for cancellation of permission
- SUP 6.5 Ending authorisation
- SUP 6 Annex 4 Additional guidance for a firm winding down (running off) its business
- SUP 6 Annex 5 Variation of permission application form
- SUP 6 Annex 6 Cancellation of permission application form
-
SUP 7 Individual requirements
- SUP 7.1 Application and purpose
- SUP 7.2 The FCA’s powers to set individual requirements and limitations and cancel Part 4A permissions on its own initiative
- SUP 7.3 Criteria for varying a firm's permission or imposing, varying or cancelling requirements on the FCA's own initiative
- SUP 7.4 Annulment of FCA decision to exercise its additional own-initiative variation power
-
SUP 8 Waiver and modification of rules
- SUP 8.1 Application and purpose
- SUP 8.2 Introduction
- SUP 8.3 Applying for a waiver
- SUP 8.4 Reliance on waivers
- SUP 8.5 Notification of altered circumstances relating to waivers
- SUP 8.6 Publication of waivers
- SUP 8.7 Varying waivers
- SUP 8.8 Revoking waivers
- SUP 8.9 Decision making
- SUP 8 Annex 2 Application form for a waiver or modification of rules
-
SUP 8A Directions and determinations by the FCA waiving, varying or disapplying CCA requirements
- SUP 8A.1 Application, purpose and interpretation
- SUP 8A.2 Introduction and conditions
- SUP 8A.3 Applying for a direction or determination by the FCA waiving, varying or disapplying CCA requirements
- SUP 8A.4 Notification of altered circumstances relating to directions or waivers
- SUP 8A.5 Revoking or varying directions and determinations
- SUP 8A Annex 1 Application form for a direction under section 60(3) of the CCA
- SUP 8A Annex 2 Application form for a direction under section 101(8) of the CCA
- SUP 8A Annex 3 Information form in support of an application for a direction under section 101(8) of the CCA
- SUP 9 Individual guidance
-
SUP 10A FCA Approved Persons in Appointed Representatives
- SUP 10A.1 Application
- SUP 10A.2 Purpose
- SUP 10A.3 Provisions related to the Act
- SUP 10A.4 Specification of functions
- SUP 10A.5 Significant-influence functions
- SUP 10A.6 FCA governing functions
- SUP 10A.7 FCA required functions
- SUP 10A.8 Systems and controls functions
- SUP 10A.9 Significant management functions [deleted]
- SUP 10A.10 Customer-dealing functions
- SUP 10A.11 Minimising overlap with the PRA approved persons regime [deleted]
- SUP 10A.12 Procedures relating to FCA-approved persons
- SUP 10A.13 Application for approval and withdrawing an application for approval
- SUP 10A.14 Changes to an FCA-approved person's details
- SUP 10A.15 References and accurate information
- SUP 10A.16 How to apply for approval and give notifications
- SUP 10A.17 Further questions [deleted]
- SUP 10A Annex 1 Frequently asked questions [deleted]
- SUP 10A Annex 2 Approved persons regime: summary of forms and their use for applications for approval to perform an FCA-controlled function [deleted]
- SUP 10A Annex 3 [Not used]
- SUP 10A Annex 4 Form A: Application to perform controlled functions under the approved person regime [deleted]
- SUP 10A Annex 5 Form B: Notice to withdraw an application to perform controlled functions (including senior management functions) [deleted]
- SUP 10A Annex 6 Form C: Notice of ceasing to perform controlled functions (including senior management functions) [deleted]
- SUP 10A Annex 7 Form D: Notification of changes in personal information or application details and conduct breaches/disciplinary action related to conduct [deleted]
- SUP 10A Annex 8 Form E: Internal transfer of an approved person [deleted]
- SUP 10A Annex 9 Form G: The Retail Investment Adviser Complaints Alerts Form
- SUP 10A Annex 10 MiFID Article 4 APER Information Form [deleted]
- SUP 10B PRA Approved Persons
-
SUP 10C FCA senior managers regime for approved persons in SMCR firms
- SUP 10C.1 Application
- SUP 10C.2 Purpose
- SUP 10C.3 General material about the definition of controlled functions
- SUP 10C.4 Specification of functions
- SUP 10C.4A FCA governing functions: General
- SUP 10C.5 FCA governing functions: Executive
- SUP 10C.5A FCA governing functions: Oversight
- SUP 10C.5B FCA governing functions: Group entities
- SUP 10C.6 FCA required functions
- SUP 10C.6A Systems and controls functions: Finance, risk and internal audit
- SUP 10C.6B Systems and controls functions: Other
- SUP 10C.7 Other overall responsibility function (SMF18)
- SUP 10C.8 The other local responsibility function (SMF22)
- SUP 10C.8A EEA branch senior manager function (SMF21)
- SUP 10C.9 Minimising overlap with the PRA approved persons regime
- SUP 10C.10 Application for approval and withdrawing an application for approval
- SUP 10C.11 Statements of responsibilities
- SUP 10C.12 Conditional and time-limited approvals
- SUP 10C.13 Variation of conditional and time-limited approvals
- SUP 10C.14 Changes to an FCA-approved person’s details
- SUP 10C.15 Forms and other documents and how to submit them to the FCA
- SUP 10C.16 References and accurate information
- SUP 10C Annex 1 What functions apply to what type of firm
- SUP 10C Annex 2G Summary of forms and their use in the senior managers regime
- SUP 10C Annex 3D Form A: Application to perform senior management functions
- SUP 10C Annex 4R Form B: Notice to withdraw an application to perform controlled functions (including senior management functions)
- SUP 10C Annex 5R Form C: Notice of ceasing to perform controlled functions including senior management functions
- SUP 10C Annex 6R Form D: Notification: Changes to personal information/application details and conduct breaches/disciplinary action related to conduct
- SUP 10C Annex 7D Form E: Internal transfer of a person performing a controlled function
- SUP 10C Annex 8D Form I: Application to add, vary or remove a conditional approval for the performance of a senior management function
- SUP 10C Annex 9D Form J: Notification of significant changes in responsibilities of a person performing a senior management function
- SUP 10C Annex 10D Statement of responsibilities
- SUP 10C Annex 11D MiFID Article 4 SMR Information Form
-
SUP 11 Controllers and close links
- SUP 11.1 Application
- SUP 11.2 Purpose
- SUP 11.3 Requirements on controllers or proposed controllers under the Act
- SUP 11.4 Requirements on firms
- SUP 11.5 Notifications by firms
- SUP 11.6 Subsequent notification requirements by firms
- SUP 11.7 Acquisition or increase of control: assessment process and criteria
- SUP 11.8 Changes in the circumstances of existing controllers
- SUP 11.9 Changes in close links
- SUP 11 Annex 1 Summary of notification requirements
- SUP 11 Annex 6G Aggregation of holdings for the purpose of prudential assessment of controllers
-
SUP 12 Appointed representatives
- SUP 12.1 Application and purpose
- SUP 12.2 Introduction
- SUP 12.3 What responsibility does a firm have for its appointed representatives or FCA registered tied agents?
- SUP 12.4 What must a firm do when it appoints an appointed representative or an FCA registered tied agent?
- SUP 12.5 Contracts: required terms
- SUP 12.6 Continuing obligations of firms with appointed representatives or FCA registered tied agents
- SUP 12.6A Assessment of compliance
- SUP 12.7 Notification and reporting requirements
- SUP 12.8 Termination of a relationship with an appointed representative or FCA registered tied agent
- SUP 12.9 Record keeping
- SUP 12 Annex 1 Guidance on steps a firm should take in assessing the financial position of an appointed representative (other than an introducer appointed representative). See SUP 12.4.3 G
- SUP 12 Annex 2 Guidance on information firms should take reasonable steps to obtain to verify and to assess the fitness and propriety of an appointed representative (other than an introducer appointed representative). See SUP 12.4.4 G (1).
- SUP 12 Annex 3 Appointed representative appointment form
- SUP 12 Annex 4 Appointed representative or tied agent – change details
- SUP 12 Annex 5 Appointed representative termination form
- SUP 12 Annex 6 On-going reporting by principal firms on their appointed representatives
- SUP 12 Annex 7 Guidance on steps to be taken where relevant conditions are not satisfied
-
SUP 15 Notifications to the FCA
- SUP 15.1 Application
- SUP 15.2 Purpose
- SUP 15.3 General notification requirements
- SUP 15.4 Notified persons
- SUP 15.5 Core information requirements
- SUP 15.6 Inaccurate, false or misleading information
- SUP 15.7 Form and method of notification
- SUP 15.8 Notification in respect of particular products and services
- SUP 15.9 Notifications by members of financial conglomerates
- SUP 15.10 Reporting suspicious transactions or orders (market abuse)
- SUP 15.11 Notification of COCON breaches and disciplinary action
- SUP 15.12 Ongoing alerts for retail adviser complaints
- SUP 15.13 Notification by CBTL firms
- SUP 15.14 Notifications under the Payment Services Regulations
- SUP 15.15 Notification by retail intermediaries of qualification as an enhanced scope SMCR firm
- SUP 15.16 Notification of changes in the management body
- SUP 15.17 Notification of regulated income by limited scope SMCR benchmark firm
- SUP 15 Ann 2 Form F: Changes in notified persons
- SUP 15 Ann 3 Notification to amend firm details form
- SUP 15 Ann 4 Notification form
- SUP 15 Ann 5 Indications of Possible Suspicious Transactions or Orders
- SUP 15 Annex 6 Notifications by UK AIFMs
- SUP 15 Annex 6A R AIFMD new fund under management notification
- SUP 15 Annex 6B R AIFMD notification of senior personnel amendments or removal form
- SUP 15 Annex 6C R AIFMD full-scope UK AIFM material change notification
- SUP 15 Annex 6D R AIFMD notice of sub-threshold AIFM exceeding AuM limit
- SUP 15 Annex 6E D AIFMD small registered AIFM change form
- SUP 15 Annex 6F G SEF and RVECA management and marketing notifications
- SUP 15 Annex 7R Form H: Form for the notification of disciplinary action relating to conduct rules staff (other than SMF managers) in SMCR firms
- SUP 15 Annex 8R Form G: The Retail Investment Adviser Complaints Notifications Form
- SUP 15 Annex 9D Form NOT002 Payment Account Service rejections or withdrawals (notification by credit institutions under regulation 105)
- SUP 15 Annex 10 Form NOT003 AIS/PIS denial (notification by account servicing payment service providers under regulation 71)
- SUP 15 Annex 11D Form Notification of major operational or security incidents – PSD2
- SUP 15 Annex 12D Form NOT004 Notification that the fraud rate exceeds the reference fraud rate under SCA-RTS article 20
- SUP 15 Annex 13D Form NOT005 Notification that there are problems with a dedicated interface under SCA-RTS article 33(3)
- SUP 15 Annex 14R Notification Procedures for Changes to the Management Body for Non-SMF Directors
- SUP 15A Application and notifications under EMIR
- SUP 15B Applications and notifications under the benchmarks regulation and powers over Miscellaneous BM persons
- SUP 15C Applications under the Payment Services Regulations
-
SUP 16 Reporting requirements
- SUP 16.1 Application
- SUP 16.2 Purpose
- SUP 16.3 General provisions on reporting
- SUP 16.4 Annual controllers report
- SUP 16.5 Annual Close Links Reports
- SUP 16.6 Compliance reports
- SUP 16.7A Annual report and accounts
- SUP 16.8 Persistency reports from insurers and data reports on stakeholder pensions
- SUP 16.9 Appointed representatives annual report
- SUP 16.10 Verification of firm details
- SUP 16.11 Product Sales Data Reporting
- SUP 16.12 Integrated Regulatory Reporting
- SUP 16.13 Reporting under the Payment Services Regulations
- SUP 16.14 Client money and asset return
- SUP 16.15 Reporting under the Electronic Money Regulations
- SUP 16.16 Prudent valuation reporting [deleted]
- SUP 16.17 Remuneration reporting [deleted]
- SUP 16.18 AIFMD reporting
- SUP 16.19 Immigration Act compliance reporting
- SUP 16.20 Submission of recovery plans and information for resolution plans [deleted]
- SUP 16.21 Reporting under the MCD Order for CBTL firms
- SUP 16.22 Reporting under the Payment Accounts Regulations
- SUP 16.23 Annual Financial Crime Report
- SUP 16.23A Employers’ Liability Register compliance reporting
- SUP 16.24 Retirement income data reporting
- SUP 16.25 Claims management reporting
- SUP 16.26 Reporting of information about Directory persons
- SUP 16.27 General insurance value measures reporting
- SUP 16.28 Home insurance and motor insurance pricing reporting
- SUP 16.29 MIFIDPRU Remuneration Report
- SUP 16 Annex 1 [deleted]
- SUP 16 Annex 1A FIN-A Annual Report and Accounts
- SUP 16 Annex 1B Guidance notes for the completion of FIN-A in SUP 16 Annex 1AR
- SUP 16 Annex 2 [deleted]
- SUP 16 Annex 3 [deleted]
- SUP 16 Annex 4 [deleted]
- SUP 16 Annex 5 [deleted]
- SUP 16 Annex 6R Persistency report
- SUP 16 Annex 6A Guidance notes for completion of the FCA Persistency Report
- SUP 16 Annex 9R Annual questionnaire for authorised professional firms
- SUP 16 Annex 9AG Guidance notes for completion of annual questionnaire for authorised professional firms in SUP 16 Annex 9R
- SUP 16 Annex 12A Reports from depositaries of authorised funds
- SUP 16 Annex 12B Guidance notes on reports from depositaries of authorised funds
- SUP 16 Annex 13 Return cover sheet
- SUP 16 Annex 14 Quarterly and annual returns for Credit Unions [deleted]
- SUP 16 Annex 15 Notes on completing the quarterly and annual returns for Credit Unions [deleted]
- SUP 16 Annex 16 [deleted]
- SUP 16 Annex 16A Firm details (See SUP 16.10.4R)
- SUP 16 Annex 17 [deleted]
- SUP 16 Annex 18 [deleted]
- SUP 16 Annex 18A Retail Mediation Activities Return ('RMAR')
- SUP 16 Annex 18B Notes for Completion of the Retail Mediation Activities Return ('RMAR')
- SUP 16 Annex 19A Mortgage Lenders & Administrators Return (‘MLAR’)
- SUP 16 Annex 19AA Mortgage Lenders & Administrators Return ('MLAR') - sub-forms for second charge regulated mortgage activity
- SUP 16 Annex 19B Notes for completion of the Mortgage Lenders & Administrators Return (‘MLAR’)
- SUP 16 Annex 20 Products covered by the reporting requirement in SUP 16.11
- SUP 16 Annex 21 Reporting Fields
- SUP 16 Annex 22 [deleted]
- SUP 16 Annex 23 [deleted]
- SUP 16 Annex 24 Data items for SUP 16.12
- SUP 16 Annex 25 Guidance notes for data items in SUP 16 Annex 24R
- SUP 16 Annex 25A Guidance notes for data items in SUP 16 Annex 24R
- SUP 16 Annex 26 Guidance on designated liquidity groups in SUP 16.12
- SUP 16 Annex 27 [deleted]
- SUP 16 Annex 27A [deleted]
- SUP 16 Annex 27B [deleted]
- SUP 16 Annex 27C Authorised Payment Institution Capital Adequacy Return
- SUP 16 Annex 27D Notes on completing FSA056 (Authorised Payment Institution Capital Adequacy Return – SUP 16 Annex 27CD)
- SUP 16 Annex 27E REP017 Payments Fraud Report
- SUP 16 Annex 27F Notes on completing REP017 Payments Fraud Report
- SUP 16 Annex 27G REP018 Operational and Security Risk reporting form
- SUP 16 Annex 27H Notes on completing REP018 Operational and Security Risk form
- SUP 16 Annex 28 [deleted]
- SUP 16 Annex 28A [deleted]
- SUP 16 Annex 28B [deleted]
- SUP 16 Annex 28C Small Payment Institution Return
- SUP 16 Annex 28D Notes on completing FSA057 (Small Payment Institution Return)
- SUP 16 Annex 29 Client Money and Asset Return (CMAR)
- SUP 16 Annex 29A Guidance notes for the data item in SUP 16 Annex 29R
- SUP 16 Annex 30 Electronic money: returns
- SUP 16 Annex 30A [deleted]
- SUP 16 Annex 30B [deleted]
- SUP 16 Annex 30C [deleted]
- SUP 16 Annex 30D [deleted]
- SUP 16 Annex 30E [deleted]
- SUP 16 Annex 30F [deleted]
- SUP 16 Annex 30G Small electronic money institutions - total outstanding electronic money return
- SUP 16 Annex 30H Authorised electronic money institution questionnaire
- SUP 16 Annex 30I Notes on completing authorised electronic money institution questionnaire
- SUP 16 Annex 30J Small electronic money institution questionnaire
- SUP 16 Annex 30K Notes on completing small e-money institution questionnaire
- SUP 16 Annex 31A Prudent Valuation Return
- SUP 16 Annex 31B Guidance notes for data items in SUP 16 Annex 31AR
- SUP 16 Annex 32 Bidding in emissions auctions return
- SUP 16 Annex 33 [deleted]
- SUP 16 Annex 33A Remuneration Benchmarking Information Report [deleted]
- SUP 16 Annex 33B Guidance notes for data items in SUP 16 Annex 33AR [deleted]
- SUP 16 Annex 34 [deleted]
- SUP 16 Annex 34A High Earners Report [deleted]
- SUP 16 Annex 34B Guidance notes for data items in SUP 16 Annex 34AR [deleted]
- SUP 16 Annex 35A Close Links Monthly Report
- SUP 16 Annex 35B Guidance notes for completion of the close links monthly report in SUP 16 Annex 35AR
- SUP 16 Annex 36A Close Links Annual Report
- SUP 16 Annex 36B Guidance notes for completion of close links annual report in SUP 16 Annex 36AR
- SUP 16 Annex 37A Controllers Report
- SUP 16 Annex 37B Guidance notes for completion of controllers report in SUP 16 Annex 37AR
- SUP 16 Annex 38A Data Items relating to Consumer Credit activities
- SUP 16 Annex 38B Notes for completion of Data Items relating to Consumer Credit activities
- SUP 16 Annex 39A Consumer buy-to-let return
- SUP 16 Annex 39B Guidance notes for completion of consumer buy-to-let return in SUP 16 Annex 39AD
- SUP 16 Annex 40 Data items related to recovery and information for resolution plans [deleted]
- SUP 16 Annex 41 Compliance Reporting Return
- SUP 16 Annex 41A Payment accounts report
- SUP 16 Annex 41B Notes for completion of payment accounts report in SUP Annex 41AD
- SUP 16 Annex 42A Annual Financial Crime Report
- SUP 16 Annex 42B Guidance notes for completion of the Annual Financial Crime Report
- SUP 16 Annex 42C Guidance Notes: Geographical breakdown for section 2 of SUP 16 Annex 42AR
- SUP 16 Annex 43A Forms REP015 and REP016
- SUP 16 Annex 43B Guidance notes for completion of the Retirement income flow data return (‘REP015’) and the Retirement income stock and withdrawals flow data return (‘REP016’)
- SUP 16 Annex 44A Employers’ Liability Register compliance return
- SUP 16 Annex 44B Guidance notes for the completion of Employers' Liability Register compliance return in SUP 16 Annex 44AR
- SUP 16 Annex 45A Annual Claims Management Report form
- SUP 16 Annex 45B Guidance notes for completion of the Annual Claims Management Report form
- SUP 16 Annex 46AD REP020 Statistics on the availability and performance of a dedicated interface
- SUP 16 Annex 46BG Notes on completing REP020 Statistics on the availability and performance of a dedicated interface
- SUP 16 Annex 47AR Directory persons report
- SUP 16 Annex 47BG Guidance notes for Directory persons report in SUP 16 Annex 47AR
- SUP 16 Annex 48R Products covered by the reporting requirement in SUP 16.27.7R
- SUP 16 Annex 48AR Value measures report form (REP019)
- SUP 16 Annex 48BG Notes on completing the value measures report form (REP019)
- SUP 16 Annex 49A General insurance pricing information report forms (REP 021, REP021a, REP021b, REP021c, REP021d and REP021e)
- SUP 16 Annex 49B Notes on completing the general insurance pricing information report forms (REP 021, REP021a, REP021b, REP021c, REP021d and REP021e)
- SUP 16 Annex 50A Funeral Plan
- SUP 16 Annex 50B Funeral Plan
- SUP 16 Annex 51 MIF008 remuneration report
- SUP 16 Annex 52 Guidance notes for the MIF008
- SUP 17A Transaction reporting and supply of reference data
-
SUP 18 Transfers of business
- SUP 18.1 Application
- SUP 18.2 Insurance business transfers
- SUP 18.3 Insurance business transfers outside the United Kingdom
- SUP 18.4 Friendly Society transfers and amalgamations
- SUP 18 Annex 1 Friendly Society transfer or amalgamation (Information requirements related to Schedule 15 Friendly Societies Act 1992) (This belongs to SUP 18.4.22G)
- SUP 21 Waiver
-
SUP App 2 Insurers: Regulatory intervention points and run-off plans
- SUP App 2.1 Application
- SUP App 2.2 Interpretation
- SUP App 2.7 Capital resources below the level of individual capital guidance
- SUP App 2.8 Ceasing to effect contracts of insurance
- SUP App 2.9 Under control of a new parent undertaking
- SUP App 2.10 Grant or variation of permission
- SUP App 2.14A Fairness issues for with-profit firms in difficulty or in an irregular situation
- SUP App 2.15 Run-off plans for closed with-profits funds
- SUP TP 1 Transitional provisions
- SUP TP 3 Transitional provisions relating to SUP 10A and SUP 10B: Transition from the FSA to the FCA and PRA
- SUP TP 5 Transitional provisions for SUP 10A
- SUP TP 6 Financial Services (Banking Reform) Act 2013: Approved persons
- SUP TP 7 Financial Services (Banking Reform) Act 2013: Approved persons in Solvency II firms
- SUP TP 8 Financial Services (Banking Reform) Act 2013: Approved persons in small non-directive insurers
- SUP TP 9 Transitional Provisions in relation to the MiFID Regulation
- SUP TP 10 Benchmarks Regulation Transitional Provisions
- SUP TP 11 Bank of England and Financial Services Act 2016: Approved persons in insurers
- SUP TP 11A Bank of England and Financial Services Act 2016: Approved persons in soloregulated firms
- SUP TP 12 Transitional provisions relating to tied agents
- SUP TP 13 Transitional provisions relating to appointed representatives
- SUP Sch 1 Record keeping requirements
- SUP Sch 4 Powers exercised
- SUP Sch 5 Rights of actions for damages
- SUP Sch 6 Rules that can be waived
-
DEPP Decision Procedure and Penalties Manual
- DEPP 1 Application and Purpose
-
DEPP 2 Statutory notices and the allocation of decision making
- DEPP 2.1 Statutory notices
- DEPP 2.2 Warning notices and first supervisory notices
- DEPP 2.3 Decision notices and second supervisory notices
- DEPP 2.4 Third party rights and access to FCA material
- DEPP 2.5 Provision for certain categories of decision
- DEPP 2 Annex 1 Warning notices and decision notices under the Act and certain other enactments
- DEPP 2 Annex 2 Supervisory notices
- DEPP 3 The nature and procedure of the RDC
- DEPP 4 Decisions by FCA staff under executive procedures
- DEPP 5 Settlement decision procedure
-
DEPP 6 Penalties
- DEPP 6.1 Introduction
- DEPP 6.2 Deciding whether to take action
- DEPP 6.3 Penalties for market abuse
- DEPP 6.4 Financial penalty or public censure
- DEPP 6.5 Determining the appropriate level of financial penalty
- DEPP 6.5A The five steps for penalties imposed on firms
- DEPP 6.5B The five steps for penalties imposed on individuals in non-market abuse cases
- DEPP 6.5C The five steps for penalties imposed on individuals in market abuse cases
- DEPP 6.5D Serious financial hardship
- DEPP 6.6 Financial penalties for late and incomplete submission of reports
- DEPP 6.7 Discount for early settlement
-
DEPP 6A The power to impose a suspension, restriction, condition, limitation or disciplinary prohibition
- DEPP 6A.1 Introduction
- DEPP 6A.2 Deciding whether to take action
- DEPP 6A.3 Determining the appropriate length of the period of suspension, restriction, condition or disciplinary prohibition
- DEPP 6A.3A Determining the appropriate length of the period of limitation for approvals under section 59 of the Act
- DEPP 6A.4 The interaction between the power to impose suspensions, restrictions, conditions, limitations or disciplinary prohibitions and the power to impose penalties or public censures
- DEPP 6A.5 Collective investment schemes: the interaction between the power to revoke recognition and the power to issue public censures
- DEPP 7 Statement of policy on interviews conducted on behalf of overseas and EEA regulators
-
DEPP 8 Variation of SMF managers’ approval on the FCA’s own initiative
- DEPP 8.1 Introduction
- DEPP 8.2 Use of the own-initiative variation of approval power: general
- DEPP 8.3 Use of the own-initiative variation of approval power: specific examples
- DEPP 8.4 Use of the own-initiative variation of approval power in urgent cases
- DEPP 8.5 Effects of a breach of condition or time limitation
- DEPP TP 1 Transitional provisions applying to the Decision Procedure and Penalties Manual
- DEPP Sch 1 Record keeping requirements
- DEPP Sch 2 Notification requirements
- DEPP Sch 3 Fees and other required payments
- DEPP Sch 4 Powers Exercised
- DEPP Sch 5 Rights of action for damages
- DEPP Sch 6 Rules that can be waived
-
SUP Supervision
-
Redress
-
DISP Dispute Resolution: Complaints
- DISP INTRO Introduction
-
DISP 1 Treating complainants fairly
- DISP 1.1 Purpose and application
- DISP 1.1A Complaints handling requirements for MiFID complaints
- DISP 1.2 Consumer awareness rules
- DISP 1.3 Complaints handling rules
- DISP 1.4 Complaints resolution rules
- DISP 1.5 Complaints resolved by close of the third business day
- DISP 1.6 Complaints time limit rules
- DISP 1.7 Complaints forwarding rules
- DISP 1.8 Complaints time barring rule
- DISP 1.9 Complaints record rule
- DISP 1.10 Complaints reporting rules
- DISP 1.10A Complaints data publication rules
- DISP 1.10B Payment services and electronic money complaints reporting
- DISP 1.11 The Society of Lloyd's
- DISP 1 Annex 1 Complaints return form
- DISP 1 Annex 1AD Electronic money and payment services complaints return form
- DISP 1 Annex 1AA Notes on completing electronic money and payment services complaints return form
- DISP 1 Annex 1AB Claims management complaints and redress return form
- DISP 1 Annex 1AC FPR-Complaints – Funeral Plans complaints return
- DISP 1 Annex 1B Complaints publication report
- DISP 1 Annex 1C Illustration of the online reporting requirements, referred to in DISP 1.10.2AR
- DISP 1 Annex 2 Application of DISP 1 to type of respondent / complaint
- DISP 1 Annex 3 Appropriate wording for inclusion in a final response or written acceptance
- DISP 1 Annex 4 Appropriate wording for inclusion in a final response, written acceptance or summary resolution communication
-
DISP 2 Jurisdiction of the Financial Ombudsman Service
- DISP 2.1 Purpose, interpretation and application
- DISP 2.2 Which complaints can be dealt with under the Financial Ombudsman Service?
- DISP 2.3 To which activities does the Compulsory Jurisdiction apply?
- DISP 2.5 To which activities does the Voluntary Jurisdiction apply?
- DISP 2.6 What is the territorial scope of the relevant jurisdiction?
- DISP 2.7 Is the complainant eligible?
- DISP 2.8 Was the complaint referred to the Financial Ombudsman Service in time?
- DISP 2 Annex 1 Regulated Activities for the Voluntary Jurisdiction at 1 August 2022
-
DISP 3 Complaint handling procedures of the Financial Ombudsman Service
- DISP 3.1 Purpose, interpretation and application
- DISP 3.2 Jurisdiction
- DISP 3.3 Dismissal without consideration of the merits and test cases
- DISP 3.4 Referring a complaint to another complaints scheme or court
- DISP 3.5 Resolution of complaints by the Ombudsman
- DISP 3.6 Determination by the Ombudsman
- DISP 3.7 Awards by the Ombudsman
- DISP 3.8 Dealing with information
- DISP 3.9 Delegation of the Ombudsman's powers
- DISP 4 Standard terms
- DISP App 1 Handling Mortgage Endowment Complaints
-
DISP App 3 Handling Payment Protection Insurance complaints
- DISP App 3.1 Introduction
- DISP App 3.2 The assessment of a complaint
- DISP App 3.3 The approach to considering evidence at step 1
- DISP App 3.3A The approach to considering evidence at step 2
- DISP App 3.4 Root cause analysis
- DISP App 3.5 Re-assessing rejected claims at step 1
- DISP App 3.6 Determining the effect of a breach or failing at step 1
- DISP App 3.7 Approach to redress at step 1
- DISP App 3.7A Approach to redress at step 2
- DISP App 3.8 Other appropriate redress at steps 1 and 2
- DISP App 3.9 Other matters concerning redress at steps 1 and 2
- DISP App 3.10 Application: evidential provisions and guidance
- DISP App 3.11 Obligation to write letters to certain rejected complainants
- DISP TP 1 Transitional provisions
- DISP Sch 1 Record keeping requirements
- DISP Sch 2 Notification requirements
- DISP Sch 3 Fees and other required payment
- DISP Sch 4 Powers Exercised
- DISP Sch 5 Actions for damages for contravention under section 138D of the Act
- DISP Sch 6 Rules that can be waived
-
CONRED Consumer Redress Schemes sourcebook
-
CONRED 1 General
- CONRED 1.1 Introduction
- CONRED 1.2 Process for making a consumer redress scheme
- CONRED 1.3 Trigger for making a consumer redress scheme
- CONRED 1.4 Scope of a consumer redress scheme
- CONRED 1.5 Operation of a consumer redress scheme
- CONRED 1.6 Role of the Financial Ombudsman Service and the Financial Services Compensation Scheme
- CONRED 1.7 Challenging a consumer redress scheme
- CONRED 1.8 Imposing a consumer redress scheme on a firm under section 404F(7) of the Act
-
CONRED 2 Arch cru Consumer Redress Scheme
- CONRED 2.1 Application and subject matter of the scheme
- CONRED 2.2 Summary of the scheme
- CONRED 2.3 Notifications and reports to the FCA
- CONRED 2.4 Consumer redress scheme: identifying scheme cases and inviting consumers to request a review
- CONRED 2.5 Consumer redress scheme: case review
- CONRED 2.6 Consumer redress scheme: paying redress
- CONRED 2.7 Supervision and delegation of scheme process by firms
- CONRED 2.8 Provisions relating to communications with consumers
- CONRED 2.9 Consumer redress scheme: information requirements
- CONRED 2.10 Record-keeping requirements
- CONRED 2 Annex 1 Redress determination for customers outside subject matter of Arch cru consumer redress scheme
- CONRED 2 Annex 2 Letter to consumers confirming existence of review and inviting request to opt-in
- CONRED 2 Annex 3 First reminder letter to consumers inviting request for review
- CONRED 2 Annex 4 Second reminder letter to consumers inviting request for review
- CONRED 2 Annex 5 Final letter to consumers who have not sent a request for review
- CONRED 2 Annex 6 Redress determination where firm considers opt-in ineffective
- CONRED 2 Annex 7 Letter to consumers confirming their case will be reviewed
- CONRED 2 Annex 8 Initial letter requesting information/enclosing questionnaire
- CONRED 2 Annex 9 Reminder letter
- CONRED 2 Annex 10 Redress determination where consumer has not provided requested information
- CONRED 2 Annex 11 Redress determination letter for scheme cases
- CONRED 2 Annex 12 Arch cru product advice suitability assessment template
- CONRED 2 Annex 13 CF Arch cru funds template instructions
- CONRED 2 Annex 14 Investment benchmarks
- CONRED 2 Annex 15 Risks and features of Arch cru funds
- CONRED 3 British Steel Pension Scheme Financial Resilience Requirements
- CONRED App 1 Key definitions
- CONRED Sch 1 Record keeping requirements
- CONRED Sch 2 Notification requirements
- CONRED Sch 3 Fees and other required payments
- CONRED Sch 4 Powers exercised
- CONRED Sch 5 Rights of action for damages
- CONRED Sch 6 Rules that can be waived
-
CONRED 1 General
-
COMP Compensation
- COMP INTRO A INTRO 1
- COMP 1 Introduction and Overview
- COMP 2 The FSCS
- COMP 3 The qualifying conditions
- COMP 4 Eligible claimants
- COMP 5 Protected claims
- COMP 6 Relevant persons and successors in default
- COMP 7 Assignment, subrogation, variation or creation of rights
- COMP 8 Rejection of application and withdrawal of offer
- COMP 9 Time limits on payment and postponing payment
- COMP 10 Limits on the amount of compensation payable
- COMP 11 Payment of compensation
-
COMP 12 Calculating compensation
- COMP 12.1 Application and Purpose
- COMP 12.2 Quantification: general
- COMP 12.3 Quantification date
- COMP 12.4 The compensation calculation
- COMP 12.5 [deleted]
- COMP 12.6 Quantification: trustees, operators of pension schemes, persons winding up pension schemes,personal representatives, agents, and joint claims
- COMP 12A Special cases
- COMP App 1 LCF Compensation Scheme
- COMP TP 1 Transitional Provisions
- COMP Sch 1 Record-keeping requirements
- COMP Sch 2 Notification requirements
- COMP Sch 3 Fees and other required payments
- COMP Sch 4 Powers Exercised
- COMP Sch 5 Rights of action for damages
- COMP Sch 6 Rules that can be waived
-
DISP Dispute Resolution: Complaints
-
Specialist sourcebooks
-
COLL Collective Investment Schemes
- COLL 1 Introduction
- COLL 2 Authorised fund applications
- COLL 3 Constitution
-
COLL 4 Investor Relations
- COLL 4.1 Introduction
- COLL 4.2 Pre-sale notifications
- COLL 4.3 Approvals and notifications
- COLL 4.4 Meetings of Unitholders and service of notices
- COLL 4.5 Reports and accounts
- COLL 4.6 Simplified Prospectus provisions [deleted]
- COLL 4.7 Key investor information and marketing communications
- COLL 4.8 Notifications for UCITS master-feeder arrangements
- COLL 4 Annex 1 Total expense ratio calculation [deleted]
- COLL 4 Annex 2 Portfolio turnover calculation [deleted]
-
COLL 5 Investment and borrowing powers
- COLL 5.1 Introduction
- COLL 5.2 General investment powers and limits for UCITS schemes
- COLL 5.3 Derivative exposure
- COLL 5.4 Stock lending
- COLL 5.5 Cash, borrowing, lending and other provisions
- COLL 5.6 Investment powers and borrowing limits for non-UCITS retail schemes
- COLL 5.7 Investment powers and borrowing limits for NURS operating as FAIFs
- COLL 5.8 Investment powers and borrowing limits for feeder UCITS
- COLL 5.9 Investment powers and other provisions for money market funds [deleted]
-
COLL 6 Operating duties and responsibilities
- COLL 6.1 Introduction and Application
- COLL 6.2 Dealing
- COLL 6.3 Valuation and pricing
- COLL 6.4 Title and registers
- COLL 6.5 Appointment and replacement of the authorised fund manager and the depositary
- COLL 6.6 Powers and duties of the scheme, the authorised fund manager, and the depositary
- COLL 6.6A Duties of AFMs in relation to UCITS schemes
- COLL 6.6B UCITS depositaries
- COLL 6.7 Payments
- COLL 6.8 Income: accounting, allocation and distribution
- COLL 6.9 Independence, names and UCITS business restrictions
- COLL 6.10 Senior personnel responsibilities
- COLL 6.11 Risk control and internal reporting
- COLL 6.12 Risk management policy and risk measurement
- COLL 6.13 Record keeping
- COLL 6 Annex 2 UK UCITS management company of UCITS schemes: Derivative Use Report (FSA042: UCITS)
- COLL 6 Annex 3 Guidance notes on UK UCITS management company of UCITS schemes: Derivative Use Report (FSA042: UCITS)
-
COLL 7 Suspension of dealings, termination of authorised funds and side pockets
- COLL 7.1 Introduction
- COLL 7.2 Suspension and restart of dealings
- COLL 7.3 Winding up a solvent ICVC and terminating or winding up a sub-fund of an ICVC
- COLL 7.4 Winding up an AUT and terminating a sub-fund of an AUT
- COLL 7.4A Winding up a solvent ACS and terminating a sub-fund of a co-ownership scheme
- COLL 7.5 Schemes or sub-funds that are not commercially viable
- COLL 7.6 Schemes of arrangement
- COLL 7.7 UCITS mergers
- COLL 7.8 Side pockets
- COLL 7 Annex 1 Matters to be considered by the authorised fund manager before creating a side pocket class
- COLL 8 Qualified investor schemes
- COLL 9 Recognised schemes
-
COLL 11 Master-feeder arrangements for UCITS schemes
- COLL 11.1 Introduction
- COLL 11.2 Approval of a feeder UCITS
- COLL 11.3 Co-ordination and information exchange for master and feeder UCITS
- COLL 11.4 Depositaries
- COLL 11.5 Auditors
- COLL 11.6 Winding up, merger and division of master UCITS
- COLL 11 Annex 1 Contents of the standard master-feeder agreement
- COLL 11 Annex 2 Contents of the internal conduct of business rules
- COLL 13 Operation of feeder NURS
- COLL 14 Charity authorised investment funds
-
COLL 15 Long-term asset funds
- COLL 15.1 Introduction
- COLL 15.2 Eligibility to act as the authorised fund manager
- COLL 15.3 Constitution
- COLL 15.4 Prospectus and other pre-sale notifications
- COLL 15.5 Annual report and investor relations
- COLL 15.6 Investment and borrowing powers
- COLL 15.7 Powers and responsibilities of the authorised fund manager and the depositary
- COLL 15.8 Valuation, pricing, dealing and income
- COLL 15.9 Operational requirements for feeder LTAFs
- COLL 15.10 Termination, suspension, and schemes of arrangement
- COLL 15 Annex 1 ACS Long-term asset funds: Eligible investors
- COLL Appendix KII Regulation
- COLL Appendix 2 Modifications to the KII Regulation for KII-compliant NURS
- COLL TP 1 Transitional Provisions
- COLL Sch 1 Record keeping requirements
- COLL Sch 2 Notification requirements
- COLL Sch 3 Fees and other required payments
- COLL Sch 4 Powers exercised
- COLL Sch 5 Rights of action for damages
- COLL Sch 6 Rules that can be waived
-
CREDS Credit Unions sourcebook
- CREDS 1 Introduction
- CREDS 2 Senior management arrangements, systems and controls
- CREDS 3A Shares, deposits and borrowing
- CREDS 7 Lending to members
- CREDS 8 Supervision
- CREDS 9 Complaints reporting rules for credit unions
- CREDS 10 Application of other parts of the Handbook to credit unions
- CREDS App 1 Key Definitions
- CREDS TP 1 Transitional Provision
- CREDS Sch 1 Record keeping requirements
- CREDS Sch 2 Notification requirements
- CREDS Sch 3 Fees and other required payments
- CREDS Sch 4 Powers exercised
- CREDS Sch 5 Rights of actions for damages
- CREDS Sch 6 Rules that can be waived
-
CONC Consumer Credit sourcebook
- CONC 1 Application and purpose and guidance on financial difficulties
-
CONC 2 Conduct of business standards: general
- CONC 2.1 Application
- CONC 2.2 General principles for credit-related regulated activities
- CONC 2.3 Conduct of business: lenders and restrictions on provision of credit card cheques
- CONC 2.4 Credit references: conduct of business: lenders and owners
- CONC 2.5 Conduct of business: credit broking
- CONC 2.5A Conduct of business: high-cost short-term credit (HCSTC) products on price comparison websites
- CONC 2.6 Conduct of business: debt counselling, debt adjusting and providing credit information services
- CONC 2.7 Distance marketing
- CONC 2.8 E-commerce
- CONC 2.9 Prohibition of unsolicited credit tokens
- CONC 2.10 Mental capacity guidance
- CONC 2.11 Remuneration and performance management policies, procedures and practices
- CONC 2 Annex 1 Distance marketing information
- CONC 2 Annex 2 Abbreviated distance marketing information
-
CONC 3 Financial promotions and communications with customers
- CONC 3.1 Application
- CONC 3.2 Financial promotion general guidance
- CONC 3.3 The clear fair and not misleading rule and general requirements
- CONC 3.4 Risk warning for high-cost short-term credit
- CONC 3.5 Financial promotions about credit agreements not secured on land
- CONC 3.6 Financial promotions about credit agreements secured on land
- CONC 3.7 Financial promotions and communications: credit brokers
- CONC 3.7A Financial promotions and communications: P2P agreements
- CONC 3.8 Financial promotions and communications: lenders
- CONC 3.9 Financial promotions and communications: debt counsellors and debt adjusters
- CONC 3.10 Financial promotions not in writing
- CONC 3.11 Not approving certain financial promotions
-
CONC 4 Pre-contractual requirements
- CONC 4.1 Content of quotations
- CONC 4.2 Pre-contract disclosure and adequate explanations
- CONC 4.3 Pre-contractual requirements and adequate explanations: P2P agreements
- CONC 4.4 Pre-contractual requirements: credit brokers
- CONC 4.5 Commissions
- CONC 4.6 Pre-contract disclosure: continuous payment authorities
- CONC 4.7 Information to be provided in relation to current account agreements
- CONC 4.8 Pre-contract: unfair business practices: consumer credit lending
-
CONC 5 Responsible lending
- CONC 5.1 Application [deleted]
- CONC 5.2 Creditworthiness assessment: before agreement [deleted]
- CONC 5.2A Creditworthiness assessment
- CONC 5.3 Conduct of business in relation to creditworthiness and affordability [deleted]
- CONC 5.4 Conduct of business: credit brokers
- CONC 5.5 Creditworthiness assessment: P2P agreements [deleted]
- CONC 5.5A Creditworthiness assessment: P2P agreements
-
CONC 5A Cost cap for high-cost short-term credit
- CONC 5A.1 Application, purpose and guidance
- CONC 5A.2 Prohibition from entering into agreements for high-cost short-term credit
- CONC 5A.3 Prohibition from imposing charges under agreements for high-cost short-term credit
- CONC 5A.4 Cost cap for operating an electronic system in relation to lending
- CONC 5A.5 Consequences of contravention of the cost caps
- CONC 5A.6 Interpretation
-
CONC 5B Cost cap for rent-to-own agreements
- CONC 5B.1 Application and guidance
- CONC 5B.2 Prohibition on RTO firms from entering into RTO agreements
- CONC 5B.3 Anti-avoidance
- CONC 5B.4 Policies and procedures for establishing benchmarked prices
- CONC 5B.5 Record keeping
- CONC 5B.6 Consequences of contravention of the total cost of credit cap
- CONC 5B.7 Interpretation
- CONC 5C Overdraft pricing
- CONC 5D Overdraft repeat use
-
CONC 6 Post contractual requirements
- CONC 6.1 Application
- CONC 6.2 Assessment of creditworthiness: during agreement [deleted]
- CONC 6.3 Information to be provided on a current account agreement and on significant overdrawing
- CONC 6.4 Appropriation of payments
- CONC 6.5 Assignment of rights
- CONC 6.6 Pawn broking: conduct of business
- CONC 6.7 Post contract: business practices
- CONC 6.8 Post contract business practices: credit brokers
-
CONC 7 Arrears, default and recovery (including repossessions)
- CONC 7.1 Application
- CONC 7.2 Clear effective and appropriate arrears policies and procedures
- CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors
- CONC 7.4 Information on status of debts
- CONC 7.5 Pursuing and recovering repayments
- CONC 7.6 Exercise of continuous payment authority
- CONC 7.7 Application of interest and charges
- CONC 7.8 Jurisdictional requirements
- CONC 7.9 Contact with customers
- CONC 7.10 Treatment of customers with mental capacity limitations
- CONC 7.11 Disclosures relating to “authority” or “status”
- CONC 7.12 Lenders’ responsibilities in relation to debt
- CONC 7.13 Data accuracy and outsourced activities
- CONC 7.14 Settlements, disputed and deadlocked debt
- CONC 7.15 Statute barred debts
- CONC 7.16 Passing data to lead generators etc.
- CONC 7.17 Notice of sums in arrears under P2P agreements for fixed-sum credit
- CONC 7.18 Notice of sums in arrears under P2P agreements for running-account credit
- CONC 7.19 Notice of default sums under P2P agreements
-
CONC 8 Debt advice
- CONC 8.1 Application
- CONC 8.2 Conduct standards: debt advice
- CONC 8.3 Pre contract information and advice requirements
- CONC 8.4 Debt solution contracts
- CONC 8.5 Financial statements and debt repayment offers
- CONC 8.6 Changes to contractual payments
- CONC 8.7 Charging for debt counselling, debt advice and related services
- CONC 8.8 Debt management plans
- CONC 8.9 Lead generators: including firm responsibility in dealing with lead generators
- CONC 8.10 Conduct of business: providing credit information services
- CONC 10 Prudential rules for debt management firms
- CONC 11 Cancellation
- CONC 12 Requirements for firms with interim permission for credit-related regulated activities
- CONC 13 Guidance on the duty to give information under sections 77, 78 and 79 of the Consumer Credit Act 1974
- CONC 14 Requirement in relation to agents
- CONC 15 Agreements secured on land
-
CONC App 1 Total charge for credit rules; and certain exemptions
- CONC App 1.1 Total charge for credit rules for certain agreements secured on land
- CONC App 1.2 Total charge for credit rules for other agreements
- CONC App 1.3 Exemption of certain credit agreements secured on land
- CONC App 1.4 Exemption for high net worth borrowers and hirers and exemption relating to businesses
- CONC TP 5 Transitional provisions for prudential provisions in relation to debt management firms
- CONC TP 6 Transitional provisions for financial promotions and communications in relation to catalogues etc.
- CONC TP 7 Transitional provision in relation to the Consumer Credit (Amendment No 2) Instrument 2015
- CONC TP 7A Transitional provisions in relation to the Consumer Credit (Earlier Intervention and Persistent Debt) Instrument 2018
- CONC TP 7B Transitional provisions in relation to the Consumer Credit (High-Cost Credit) Instrument 2018
- CONC TP 8 Other transitional provisions
- CONC Sch 1 Record keeping requirements
- CONC Sch 2 Notification and reporting requirements (if any)
- CONC Sch 3 Fees and other required payment
- CONC Sch 4 Not used
- CONC Sch 5 Rights of action for damages
- CONC Sch 6 Rules that can be waived
-
FUND Investment Funds sourcebook
- FUND 1 Introduction
-
FUND 3 Requirements for alternative investment fund managers
- FUND 3.1 Application
- FUND 3.2 Investor information
- FUND 3.3 Annual report of an AIF
- FUND 3.4 Reporting obligations to the FCA
- FUND 3.5 Investment in securitisation positions
- FUND 3.6 Liquidity
- FUND 3.7 Risk management
- FUND 3.8 Prime brokerage firms
- FUND 3.9 Valuation
- FUND 3.10 Delegation
- FUND 3.11 Depositaries
- FUND 3.12 Marketing a UK AIF in the UK
- FUND 3 Annex 1 Notification of intention to market at AIF in the United Kingdom
- FUND 3 Annex 2 Notice of AIFM delegation
- FUND 4 Specialist AIF Regimes
- FUND 10 Operating on a cross-border basis
- FUND App 1 Written notice decision procedures under the AIFMD UK regulation
- FUND TP 1 Transitional Provisions
- FUND Sch 1 Record keeping requirements
- FUND Sch 2 Notification requirements
- FUND Sch 3 Rights of action for damages
- FUND Sch 4 Rules that can be waived
-
PROF Professional Firms
- PROF 1 Professional firms
- PROF 2 Status of exempt professional firm
- PROF 3 The FCA's duties and powers
- PROF 4 Disclosure
- PROF 5 Non-mainstream regulated activities
- PROF 7 Insurance distribution activity
- PROF TP 1 Transitional provisions
- PROF Sch 1 Record keeping requirements
- PROF Sch 2 Notification requirements
- PROF Sch 3 Fees and other required payments
- PROF Sch 4 Powers exercised
- PROF Sch 5 Rights of action for damages
- PROF Sch 6 Rules that can be waived
-
RCB Regulated Covered Bonds
- RCB 1 Introduction
- RCB 2 Applications for registration
-
RCB 3 Notifications
- RCB 3.1 Application and Purpose
- RCB 3.2 Annual confirmations of compliance and asset pool monitor
- RCB 3.3 Asset pool notifications
- RCB 3.4 Covered Bond issuance notifications
- RCB 3.5 Other notifications
- RCB 3.6 Fees and other matters
- RCB 3 Annex 1 Annual confirmation of compliance with the RCB Regulations and the RCB Sourcebook
- RCB 3 Annex 2 Asset pool notification form
- RCB 3 Annex 3 Asset and liability profile form
- RCB 3 Annex 4 Indicative terms form
- RCB 3 Annex 5 Issuance form
- RCB 3 Annex 6 Cancellation form
- RCB 3 Annex 7A Loan level disclosure form
- RCB 3 Annex 7B Guidance on loan level disclosure form
- RCB 4 Enforcement powers
- RCB 6 Warning and decision notices
- RCB Sch 1 Record keeping requirements
- RCB Sch 2 Notification requirements
- RCB Sch 3 Fees and other requirement payments
- RCB Sch 4 Powers exercised
- RCB Sch 5 Rights of action for damages
- RCB Sch 6 Rules that can be waived
-
REC Recognised Investment Exchanges
- REC 1 Introduction
-
REC 2 Recognition requirements
- REC 2.1 Introduction
- REC 2.2 Method of satisfying the recognition requirements
- REC 2.3 Financial resources
- REC 2.4 Suitability
- REC 2.4A Management body
- REC 2.5 Systems and controls, algorithmic trading and conflicts
- REC 2.5A Guidance on Public Interest Disclosure Act: Whistleblowing
- REC 2.6 General safeguards for investors, suspension and removal of financial instruments from trading and order execution on regulated markets
- REC 2.7 Access to facilities
- REC 2.7A Position management and position reporting in relation to commodity derivatives
- REC 2.8 Settlement and clearing facilitation services
- REC 2.9 Transaction recording
- REC 2.10 Financial crime and market abuse
- REC 2.11 Custody
- REC 2.12 Availability of relevant information and admission of financial instruments to trading
- REC 2.13 Promotion and maintenance of standards
- REC 2.14 Rules and consultation
- REC 2.15 Discipline
- REC 2.16 Complaints
- REC 2.16A Operation of a multilateral trading facility (MTF) or an organised trading facility (OTF)
- REC 2.16B Operation of a data reporting service
- REC 2.17 Recognition requirements relating to the default rules of UK RIEs
- REC 2A Recognised Auction Platforms
-
REC 3 Notification rules for UK recognised bodies
- REC 3.1 Application and purpose
- REC 3.2 Form and method of notification
- REC 3.3 Waivers
- REC 3.4 Members of the management body and internal organisation
- REC 3.5 Disciplinary action and events relating to members of the management body
- REC 3.6 Constitution and governance
- REC 3.7 Auditors
- REC 3.8 Financial and other information
- REC 3.9 Fees and incentive schemes
- REC 3.10 Complaints
- REC 3.11 Insolvency events
- REC 3.12 Legal proceedings
- REC 3.13 Delegation of relevant functions
- REC 3.14 Products, services and normal hours of operation
- REC 3.14A Operation of a trading venue
- REC 3.15 Suspension of services and inability to operate facilities
- REC 3.16 Information technology systems
- REC 3.17 Inability to discharge regulatory functions
- REC 3.18 Membership
- REC 3.19 Investigations
- REC 3.20 Disciplinary action relating to members
- REC 3.21 Criminal offences and civil prohibitions
- REC 3.22 Restriction of, or instruction to close out, open positions
- REC 3.23 Default
- REC 3.24 Transfers of ownership
- REC 3.25 Significant breaches of rules and disorderly trading conditions
- REC 3.26 Proposals to make regulatory provision
- REC 3.27 RAP auction clearing price and adjustment of the auction calendar
- REC 3 Annex 1 Form for notifying incentive scheme proposals (REC 3.9.3R(1))
-
REC 4 Supervision
- REC 4.1 Application and purpose
- REC 4.2 The supervisory relationship with UK recognised bodies
- REC 4.2A Publication of information by UK RIEs and RAPs
- REC 4.2B Exercise of passport rights by a UK RIE [deleted]
- REC 4.2C Control over a UK RIE
- REC 4.2D Suspension and removal of financial instruments from trading by the FCA
- REC 4.2E Information: compliance of UK recognised bodies with specified requirements
- REC 4.2F Information gathering power on FCA’s own initiative
- REC 4.2G Reports by skilled persons
- REC 4.3 Risk assessments for UK recognised bodies
- REC 4.4 Complaints
- REC 4.5 FCA supervision of action by UK RIEs under their default rules
- REC 4.6 The section 296 power to give directions
- REC 4.6A The section 192C power to direct qualifying parent undertakings
- REC 4.7 The section 297 power to revoke recognition
- REC 4.8 The section 298 procedure
- REC 4.9 Disciplinary measures
- REC 5 Applications for Recognition (UK recognised bodies)
- REC 6 Overseas Investment Exchanges
- REC TP 1 Transitional provisions
- REC Sch 1 Record keeping requirements
- REC Sch 2 Notification requirements
- REC Sch 5 Rights of action for damages
- REC Sch 6 Rules that can be waived
-
COLL Collective Investment Schemes
-
Listing, Prospectus and Disclosure
-
LR Listing Rules
- LR 1 Preliminary: All securities
- LR 2 Requirements for listing: All securities
- LR 3 Listing applications: All securities
- LR 4 Listing particulars for professional securities market and certain other securities: All securities
- LR 5 Suspending, cancelling and restoring listing and reverse takeovers: All securities
-
LR 6 Additional requirements for premium listing (commercial company)
- LR 6.1 Application
- LR 6.2 Historical financial information requirements
- LR 6.3 Revenue earning track record requirement
- LR 6.4 Independent business
- LR 6.5 Controlling shareholders
- LR 6.6 Control of the business
- LR 6.7 Working capital
- LR 6.8 Warrants or options to subscribe
- LR 6.9 Constitutional arrangements
- LR 6.10 Specialist companies: mineral companies
- LR 6.11 Specialist companies: scientific research based companies
- LR 6.12 Specialist companies: property companies
- LR 6.13 Externally managed companies
- LR 6.14 Shares in public hands
- LR 6.15 Shares of a third country company
- LR 7 Listing Principles and Premium Listing Principles
- LR 8 Sponsors: Premium listing
-
LR 9 Continuing obligations
- LR 9.1 Preliminary
- LR 9.2 Requirements with continuing application
- LR 9.3 Continuing obligations: holders
- LR 9.4 Documents requiring prior approval
- LR 9.5 Transactions
- LR 9.6 Notifications
- LR 9.7A Preliminary statement of annual results, and statement of dividends
- LR 9.8 Annual financial report
- LR 9 Annex 1 THE MODEL CODE (R)
- LR 9 Annex 2 Data on the diversity of the individuals on a listed company’s board and in its executive management
- LR 10 Significant transactions: Premium listing
- LR 11 Related party transactions: Premium listing
- LR 12 Dealing in own securities and treasury shares: Premium listing
-
LR 13 Contents of circulars: Premium listing
- LR 13.1 Preliminary
- LR 13.2 Approval of circulars
- LR 13.3 Contents of all circulars
- LR 13.4 Class 1 circulars
- LR 13.5 Financial information in Class 1 Circulars
- LR 13.6 Related party circulars
- LR 13.7 Circulars about purchase of own equity shares
- LR 13.8 Other circulars
- LR 13 Annex 1 Class 1 circulars
- LR 14 Standard listing (shares)
- LR 15 Closed-Ended Investment Funds: Premium listing
- LR 16 Open-ended investment companies: Premium listing [deleted]
- LR 16A Open-ended investment companies: Standard listing
- LR 17 Debt and debt-like securities: Standard listing
- LR 18 Certificates representing certain securities: Standard listing
- LR 19 Securitised derivatives: Standard listing
- LR 20 Miscellaneous Securities: Standard listing
-
LR 21 Sovereign Controlled Commercial Companies: Premium listing
- LR 21.1 Application
- LR 21.2 Requirements for listing: Equity shares
- LR 21.3 Listing applications and procedures: Equity shares
- LR 21.4 Continuing obligations: Equity shares
- LR 21.5 Transactions with related parties: Equity shares
- LR 21.6 Requirements for listing: Certificates representing shares
- LR 21.7 Listing applications and procedures: Certificates representing shares
- LR 21.8 Continuing obligations: Certificates representing shares
- LR 21.9 Transactions and circulars: certificates representing shares
- LR 21.10 Transactions with related parties: certificates representing shares
- LR App 1 Relevant definitions
- LR App 2 Annual Financial Report for certain listed companies [deleted]
- LR TR 1 Transitional Provisions: General and Venture Capital Trusts
- LR TR 2 Transitional Provision for closed-ended investment funds listed before 28 September 2007
- LR TR 3 Transitional Provisions for Investment Entities already listed under LR 14
- LR TR 4 Transitional Provision for Issuers with a Premium Listing that are Overseas Companies
- LR TR 5 Transitional Provision for companies incorporated in the United Kingdom
- LR TR 6 Transitional Provision for overseas companies
- LR TR 7 Transitional Provision for issuers with shares that do not confer full voting rights
- LR TR 8 Transitional Provisions for the Combined Code
- LR TR 9 Transitional Provision for a company that has a premium listing of equity shares but does not comply with LR 9.2.20R
- LR TR 10 Transitional Provision in relation to new sponsor services
- LR TR 11 Transitional Provisions in relation to Annual Financial Report [deleted]
- LR TR 12 Transitional Provisions in relation to continuing obligations regarding premium listing
- LR TR 13 Transitional Provisions for the UK Corporate Governance Code
- LR TR 14 Transitional Provisions in relation to DTR 7.3 (Related party transactions)
- LR TR 14A Transitional Provisions in relation to climate-related financial disclosures under LR 9.8.6R(8)
- LR TR 15 Transitional Provisions for a prospectus approved before IP completion day
- LR TR 16 Transitional Provisions in relation to market capitalisation under LR 2.2.7 R(1)
- LR TR 17 Transitional Provisions in relation to climate-related financial disclosures under LR 14.3.27R and LR 9.8.6R(8)
- LR TR 18 Transitional Provisions in relation to diversity and inclusion
- LR Sch 1 [to follow]
- LR Sch 2 [to follow]
- LR Sch 3 [to follow]
- LR Sch 4 Powers exercised
- LR Sch 5 [to follow]
- LR Sch 6 Rules that can be waived
-
PRR Prospectus Regulation Rules sourcebook
- PRR 1 Preliminary
-
PRR 2 Drawing up the prospectus
- PRR 2.1 General contents of prospectus
- PRR 2.2 Format of prospectus
- PRR 2.3 Minimum information requirements
- PRR 2.4 Universal registration document
- PRR 2.5 Simplified prospectus regime for secondary issuances
- PRR 2.6 UK Growth prospectus
- PRR 2.7 Incorporation by reference
- PRR 2.8 Omission of information
- PRR 3 Approval and publication of prospectus
- PRR 4 Use of languages and third country issuers
- PRR 5 Other provisions
- PRR App 1 Relevant definitions
- PRR App 2 Disclosure Annexes
- PRR TP1 Transitional Provisions for prospectuses approved before 21 July 2019 [deleted]
- PRR Sch 6 Rules that can be waived or modified
-
DTR Disclosure Guidance and Transparency Rules sourcebook
- DTR 1 Introduction
- DTR 1A Introduction (Transparency rules)
- DTR 1B Introduction (Corporate governance)
- DTR 1C Introduction (Primary information providers)
- DTR 2 Disclosure and control of inside information by issuers
- DTR 3 Transactions by persons discharging managerial responsibilities and their connected persons
- DTR 4 Periodic Financial Reporting
-
DTR 5 Vote Holder and Issuer Notification Rules
- DTR 5.1 Notification of the acquisition or disposal of major shareholdings
- DTR 5.2 Acquisition or disposal of major proportions of voting rights
- DTR 5.3 Notification of voting rights arising from the holding of certain financial instruments
- DTR 5.4 Aggregation of managed holdings
- DTR 5.5 Acquisition or disposal by issuer of shares
- DTR 5.6 Disclosures by issuers
- DTR 5.7 Notification of combined holdings
- DTR 5.8 Procedures for the notification and disclosure of major holdings
- DTR 5.9 Filing of information with competent authority
- DTR 5.10 Use of electronic means for notifications and filing
- DTR 5.11 Third country issuers
- DTR 6 Continuing obligations and access to information
- DTR 7 Corporate governance
-
DTR 8 Primary Information Providers
- DTR 8.1 Application
- DTR 8.2 Approval as a primary information provider
- DTR 8.3 Criteria for approval as a primary information provider
- DTR 8.4 Continuing obligations
- DTR 8.5 Supervision of primary information providers
- DTR 8 Annex 1 List of regulatory bodies
- DTR 8 Annex 2 Headline codes and categories
- DTR TP 1 Disclosure and transparency rules
- DTR Sch 1 [to follow]
- DTR Sch 2 [to follow]
- DTR Sch 3 [to follow]
- DTR Sch 4 Powers Exercised
- DTR Sch 5 [to follow]
- DTR Sch 6 Rules that can be waived
- DTR App 1 Audit Committees for certain issuers [deleted]
- DISC Product Disclosure sourcebook
-
LR Listing Rules
-
Handbook Guides
- EMPS Energy Market Participants
- OMPS Oil Market Participants
- SERV Service companies
- BENCH General guidance on Benchmark Administration, Contribution and Use
-
Regulatory/Registry Guides
- COLLG The Collective Investment Scheme Information Guide
-
EG The Enforcement Guide
- EG PDF Archive EG PDF Archive
- EG 1 Introduction
-
EG 2 The FCA’s approach to enforcement
- EG 2.1 Case selection and the use of enforcement powers
- EG 2.2 Case selection and referral criteria
- EG 2.3 Case selection: Threshold Conditions cases
- EG 2.4 Case selection: Unauthorised business
- EG 2.5 Cases where other authorities have an interest
- EG 2.6 Assisting overseas regulators
- EG 2.7 Sources of cases
- EG 2.8 Enforcement and the FCA's Principles for Business (‘the Principles’)
- EG 2.9 FCA guidance and supporting materials
- EG 2.10 Industry guidance
- EG 2.10A FCA-recognised industry codes
- EG 2.11 Senior management responsibility
- EG 2.12 Co-operation
- EG 2.13 Late reporting or non-submission of reports to the FCA
- EG 2.14 Legal review
- EG 2.15 Decision making in the context of regulatory enforcement action
-
EG 3 Use of information gathering and investigation powers
- EG 3.1 Introduction
- EG 3.2 Information requests (section 165)
- EG 3.2A Information requests (section 122A)
- EG 3.2B Information requests (section 122B)
- EG 3.3 Reports by skilled persons (section 166)
- EG 3.4 Investigations into general and specific concerns (sections 167 and 168)
- EG 3.5 Official listing investigations (section 97)
- EG 3.6 Investigations into collective investment schemes (section 284)
- EG 3.7 Investigations to assist overseas authorities (section 169)
- EG 3.8 Information requests and investigations to assist overseas regulators in relation to short selling
- EG 3.8A Information requests and entry of premises under warrant to assist EEA regulators in relation to the Market Abuse Regulation or the auction regulation [deleted]
- EG 3.8B Information requests and investigations under the enhanced supervision of EEA firms under the Insurance Distribution Directive
- EG 3.9 Power to require information relating to potentially unfair etc terms and notices
- EG 3.10 Liaison where other authorities have an interest
- EG 3.11 FCA approach to firms conducting their own investigations in anticipation of enforcement action
-
EG 4 Conduct of investigations
- EG 4.1 Notifying the person under investigation where notice is a requirement under section 170
- EG 4.2 Notifying the person under investigation where notice is not required under the Act
- EG 4.3 Notification where a particular person is not yet under investigation
- EG 4.4 Appointment of additional investigators
- EG 4.5 Notice of termination of investigations
- EG 4.6 What a subject of investigation can say to third parties
- EG 4.7 Use of statutory powers to require the production of documents, the provision of information or the answering of questions
- EG 4.8 Scoping discussions
- EG 4.9 Involvement of FCA supervisors during the investigation phase
- EG 4.10 The timeframe for responding to information and document requirements
- EG 4.11 Approach to interviews and interview procedures
- EG 4.12 Search and seizure powers
- EG 4.13 Preliminary findings letters and preliminary investigation reports
- EG 4.14 Joint investigations with the PRA
-
EG 5 Settlement
- EG 5.1 Settlement and the FCA – an overview
- EG 5.2 When settlement decisions may take place
- EG 5.3 The basis of settlement discussions
- EG 5.4 Multiple parties and third party rights in enforcement action involving warning and decision notices
- EG 5.5 The settlement discount scheme
- EG 5.6 Mediation
- EG 5.7 The relevance of settled cases to subsequent action
-
EG 6 Publicity
- EG 6.1 Publicity during FCA investigations
- EG 6.2 Publicity during, or upon the conclusion of regulatory action
- EG 6.3 Decisions against ECA providers [deleted]
- EG 6.4 Publicity in RDC cases
- EG 6.5 Publicity during, or upon the conclusion of civil action
- EG 6.6 Publicity during, or upon the conclusion of criminal action (see chapter 12)
- EG 6.7 Behaviour in the context of takeover bid
- EG 6.8 The Financial Services register: publication of prohibitions of individuals (see chapter 9)
- EG 6.9 The Financial Services register: publication of disciplinary measures against auditors and actuaries (see chapter 15)
- EG 6.10 The Financial Services Register: publication of disapplication orders against members of the professions (see chapter 16)
-
EG 7 Financial penalties and other disciplinary sanctions
- EG 7.1 The FCA’s use of sanctions
- EG 7.2 Alternatives to sanctions
- EG 7.3 FCA’s statements of policy
- EG 7.4 Apportionment of financial penalties
- EG 7.5 Payment of financial penalties
- EG 7.6 Private warnings
- EG 7.7 How a person will know they are receiving a private warning
- EG 7.8 The procedure for giving a private warning
- EG 7.9 Suspensions of voting rights
-
EG 8 Variation and cancellation of permission and imposition of requirements on the FCA's own initiative and intervention against incoming firms
- EG 8.1 Introduction
- EG 8.2 Varying a firm’s Part 4A permission or imposing requirements on the FCA’s own initiative
- EG 8.3 Use of the own-initiative powers
- EG 8.4 Limitations and requirements that the FCA may impose when exercising its section 55J and 55L powers
- EG 8.5 Cancelling a firm’s Part 4A permission on its own initiative
- EG 8.6 Exercising the power under section 55Q to vary or cancel a firm’s Part 4A permission or to impose requirements on a firm in support of an overseas regulator: the FCA’s policy
- EG 8.7 The FCA’s policy on exercising its power of intervention against incoming firms under section 196 of the Act [deleted]
- EG 8.8 Other relevant powers
-
EG 9 Prohibition Orders and withdrawal of approval
- EG 9.1 Introduction
- EG 9.2 The FCA’s general policy in this area
- EG 9.3 Prohibition orders and withdrawal of approval - approved persons
- EG 9.4 Prohibition orders against exempt persons and members of professional firms
- EG 9.5 Prohibition orders against other individuals
- EG 9.6 Applications for variation or revocation of prohibition orders
- EG 9.7 Other powers that may be relevant when the FCA is considering whether to exercise its power to make a prohibition order
- EG 9.8 The effect of the FCA's decision to make a prohibition order
- EG 9.9 The effect of the FCA’s decision to withdraw approval
-
EG 10 Injunctions
- EG 10.1 Introduction
- EG 10.2 Section 380 (injunctions for b reaches of relevant requirement9) and section 381 (injunctions in cases of market abuse): the FCA's policy
- EG 10.3 Asset-freezing injunctions
- EG 10.4 Other relevant powers
- EG 10.5 Section 198: the FCA’s policy [deleted]
- EG 10.6 Applications for injunctions under regulation 12 of the Unfair Terms Regulations or Schedule 3 to the CRA : the FCA 's policy
- EG 10.7 FCA costs
- EG 11 Restitution and redress
- EG 12 Prosecution of Criminal Offences
-
EG 13 Insolvency
- EG 13.1 Introduction
- EG 13.2 The FCA’s general approach to use of its powers and rights in insolvency proceedings
- EG 13.3 Petitions for administration orders or compulsory winding up orders: determining whether a company or partnership is unable to pay its debts
- EG 13.4 Petitions for administration orders or compulsory winding up orders: determining whether to seek any insolvency order
- EG 13.5 Petitions for administration orders or compulsory winding up orders: determining which insolvency order to seek
- EG 13.6 Petitioning for compulsory winding up on just and equitable grounds
- EG 13.7 Petitioning for compulsory winding up of a company already in voluntary winding up
- EG 13.8 Power to apply to court for a provisional liquidator
- EG 13.9 The FCA's use of its power to petition for a bankruptcy order or a sequestration award in relation to an individual (section 372 of the Act)
- EG 13.10 Applications in relation to voluntary arrangements: the FCA’s policy
- EG 13.11 Applications for orders against debt avoidance: the FCA’s policy
- EG 13.12 Insolvency regime and relevant sections of the Act
- EG 13.13 Rights on petitions by third parties and involvement in creditors meetings: the FCA 's policy
-
EG 14 Collective Investment Schemes
- EG 14.1 Exercise of the powers in respect of Authorised Unit Trust Schemes (AUT) and authorised contractual schemes (ACS): sections 254 (Revocation of authorisation order otherwise than by consent), 257 (Directions), 258 (Applications to the court), 261U (Revocation of authorisation order otherwise than by consent), 261X (Directions) and 261Y (Applications to the court) of the Act
- EG 14.2 Choice of powers
- EG 14.3 Exercise of the powers in respect of recognised schemes: section 267 of the Act - power to suspend promotion of a scheme recognised under section 264: the FCA’s policy [deleted]
- EG 14.4 Exercise of the powers in respect of recognised schemes: sections 279, 281 and 282B of the Act – powers to revoke recognition of schemes recognised under section 272 or issue the operators of such schemes with a public censure: the FCA’s policy
-
EG 15 Disqualification of auditors and actuaries
- EG 15.1 Introduction
- EG 15.2 Disqualification of auditors and actuaries under its powers contained in section 345, section 249 and section 261K of the Act: the FCA's general approach
- EG 15.3 Disqualification under section 345
- EG 15.4 Disqualification under section 249 or section 261K
- EG 15.5 Removal of a disqualification
- EG 16 Disapplication orders against members of the professions
- EG 18 Cancellation of approval as sponsor or primary information provider
-
EG 19 Non-FSMA powers
- EG 19.1 Introduction
- EG 19.2 Friendly Societies Act 1974 (FSA74), Friendly Societies Act 1992 (FSA92), Co-operative and Community Benefit Societies Act 2014 (CCBSA14) and Co-operative and Community Benefit Societies Act (Northern Ireland) 1969 (CCBSA(NI)69)
- EG 19.3 Credit Unions Act 1979 (CUA79) and Credit Unions (Northern Ireland) Order 1985 (CU(NI)O85)
- EG 19.4 Unfair Terms in Consumer Contracts Regulations 1999
- EG 19.5 Regulation of Investigatory Powers Act 2000 (RIPA)
- EG 19.6 Regulated Activities Order 2001 (RAO)
- EG 19.7 The Open-Ended Investment Companies Regulations 2001
- EG 19.8 Electronic Commerce Directive (Financial Services and Markets) Regulations 2002 [deleted]
- EG 19.9 Electronic commerce activity directions: the FCA’s policy [deleted]
- EG 19.10 Enterprise Act 2002
- EG 19.11 Financial Services (Distance Marketing) Regulations 2004
- EG 19.12 Financial Conglomerates and Other Financial Groups Regulations 2004
- EG 19.13 The Consumer Protection Co-operation Regulation [deleted]
- EG 19.14 The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017
- EG 19.15 The conduct of investigations under the Money Laundering Regulations
- EG 19.16 Transfer of Funds (Information on the Payer) Regulations 2007 (The Transfer of Funds Regulations) [deleted]
- EG 19.17 Regulated Covered Bonds Regulations 2008
- EG 19.18 Counter-Terrorism Act 2008
- EG 19.19 Insurance Accounts Directive (Lloyd’s Syndicate and Aggregate Accounts) Regulations 2008
- EG 19.20 Payment Services Regulations 2017
- EG 19.21 The conduct of investigations under the Payment Services Regulations
- EG 19.22 Decision making under the Payment Services Regulations
- EG 19.23 Electronic Money Regulations 2011
- EG 19.24 Cross-Border Payments in Euro Regulations 2010 [deleted]
- EG 19.25 Recognised Auction Platforms Regulations 2011Recognised Auction Platforms Regulations 2011
- EG 19.26 OTC Derivatives, Central Counterparties and Trade Repositories Regulations 2013
- EG 19.27 Alternative Investment Fund Managers Regulations 2013
- EG 19.28 Legal Aid, Sentencing and Punishment of Offenders Act 2012 (Referral Fees) Regulations 2013
- EG 19.29 Immigration Act 2014 (Bank Account) Regulations 2014
- EG 19.30 The Mortgage Credit Directive Order
- EG 19.31 The Small and Medium Sized Business (Credit Information) Regulations
- EG 19.32 The Payment Accounts Regulations 2015
- EG 19.33 The Small and Medium Sized Business (Finance Platforms) Regulations 2015
- EG 19.34 Markets in Financial Instruments Regulations 2017
- EG 19.35 Data Reporting Services Regulations 2017
- EG 19.36 The Packaged Retail and Insurance-based Investment Products Regulations 2017
- EG 19.37 UK Benchmarks Regulations 2018
- EG 19.37A Proxy Advisors (Shareholders’ Rights) Regulations 2019
- EG 19.38 UK Securitisation Regulations
- EG 19.38A Securitisation (Amendment) (EU Exit) Regulations 2019
- EG 19.39 Credit Rating Agencies (CRA) Regulation
- EG 19.40 Trade Repositories (EU Exit) Regulations
- EG 19.41 Securities Financing Transactions Regulation
- EG 19.42 EU Exit Passport Regulations
-
EG 20 Enforcement of the Consumer Credit Act 1974
- EG 20.1 Introduction
- EG 20.2 Information gathering and investigation powers
- EG 20.3 Decision making under the CCA Order
- EG 20.4 Public censures, imposition of penalties and the impositions of suspensions or restrictions in relation to contraventions of the Consumer Credit Act 1974
- EG 20.5 Prosecution of criminal offences under the Consumer Credit Act 1974
- EG App 2 Appendix 2 - Guidelines on investigation of cases of interest or concern to the Financial Conduct Authority and other prosecuting and investigating agencies
- EG App 3 Appendix 3 - Appendix to the guidelines on investigation of cases of interest or concern to the financial conduct authority and other prosecuting and investigating agencies
- EG TP 1 Transitional provisions applying to the Enforcement Guide
- FCG Financial Crime Guide: A firm’s guide to countering financial crime risks (FCG)
-
FCTR Financial Crime Thematic Reviews
- FCTR 1 Introduction
- FCTR 2 Firms’ high-level management of fraud risk (2006)
- FCTR 3 Review of private banks’ anti-money laundering systems and controls (2007)
- FCTR 4 Automated Anti-Money Laundering Transaction Monitoring Systems (2007)
- FCTR 5 Review of firms’ implementation of a risk-based approach to anti-money laundering (AML) (2008)
- FCTR 6 Data security in Financial Services (2008)
- FCTR 7 Review of financial crime controls in offshore centres (2008)
- FCTR 8 Financial services firms’ approach to UK financial sanctions (2009)
- FCTR 9 Anti-bribery and corruption in commercial insurance broking (2010)
- FCTR 10 The Small Firms Financial Crime Review (2010)
- FCTR 11 Mortgage fraud against lenders (2011)
- FCTR 12 Banks’ management of high money-laundering risk situations (2011)
- FCTR 13 Anti-bribery and corruption systems and controls in investment banks (2012)
- FCTR 14 Banks’ defences against investment fraud (2012)
- FCTR 15 Banks’ control of financial crime risks in trade finance (2013)
- FCTR 16 How small banks manage money laundering and sanctions risk – update (2014)
- FCTR 17 Managing bribery and corruption risk in commercial insurance broking – update (2014)
-
PERG The Perimeter Guidance Manual
- PERG 1 Introduction to the Perimeter Guidance manual
-
PERG 2 Authorisation and regulated activities
- PERG 2.1 Application and purpose
- PERG 2.2 Introduction
- PERG 2.3 The business element
- PERG 2.4 Link between activities and the United Kingdom
- PERG 2.4A Link between regulated claims management activities and Great Britain
- PERG 2.5 Investments and activities: general
- PERG 2.6 Specified investments: a broad outline
- PERG 2.7 Activities: a broad outline
- PERG 2.8 Exclusions applicable to particular regulated activities
- PERG 2.9 Regulated activities: exclusions applicable in certain circumstances
- PERG 2.10 Persons carrying on regulated activities who do not need authorisation
- PERG 2.11 Persons who are exempt for credit-related regulated activities
- PERG 2 Annex 1 Authorisation and regulated activities
- PERG 2 Annex 2 Regulated activities and the permission regime
- PERG 3A Guidance on the scope of the Electronic Money Regulations 2011
-
PERG 4 Guidance on regulated activities connected with mortgages
- PERG 4.1 Application and purpose
- PERG 4.2 Introduction
- PERG 4.3 Regulated activities related to mortgages
- PERG 4.4 What is a regulated mortgage contract?
- PERG 4.4A Mortgage contracts entered into before 21 March 2016
- PERG 4.5 Arranging regulated mortgage contracts
- PERG 4.6 Advising on regulated mortgage contracts
- PERG 4.7 Entering into a regulated mortgage contract
- PERG 4.8 Administering a regulated mortgage contract
- PERG 4.9 Agreeing to carry on a regulated activity
- PERG 4.10 Exclusions applying to more than one regulated activity
- PERG 4.10A Activities within scope of the Mortgage Credit Directive
- PERG 4.10B Regulation of buy to let lending
- PERG 4.11 Link between activities and the United Kingdom
- PERG 4.12 Appointed representatives
- PERG 4.13 Other exemptions
- PERG 4.14 Mortgage activities carried on by professional firms
- PERG 4.15 Mortgage activities carried on by 'packagers'
- PERG 4.16 Mortgage activities
- PERG 4.17 Interaction with the Consumer Credit Act and consumer credit regulated activities
- PERG 4.18 Regulated activities related to mortgages: flowchart
-
PERG 5 Guidance on insurance distribution activities
- PERG 5.1 Application and purpose
- PERG 5.2 Introduction
- PERG 5.3 Contracts of insurance
- PERG 5.4 The business test
- PERG 5.5 The regulated activities: dealing in contracts as agent
- PERG 5.6 The regulated activities: arranging deals in, and making arrangements with a view to transactions in, contracts of insurance
- PERG 5.7 The regulated activities: assisting in the administration and performance of a contract of insurance
- PERG 5.8 The regulated activities: advising on contracts of insurance
- PERG 5.9 The Regulated Activities: agreeing to carry on a regulated activity
- PERG 5.10 Renewals
- PERG 5.11 Other aspects of exclusions
- PERG 5.12 Link between activities and the United Kingdom
- PERG 5.13 Appointed representatives
- PERG 5.14 Exemptions
- PERG 5.15 Illustrative tables
- PERG 5.16 Meaning of ‘insurance distribution’ and ‘reinsurance distribution’
- PERG 6 Guidance on the Identification of Contracts of Insurance
- PERG 7 Periodical publications, news services and broadcasts: applications for certification
-
PERG 8 Financial promotion and related activities
- PERG 8.1 Application and purpose
- PERG 8.2 Introduction
- PERG 8.3 Financial promotion
- PERG 8.4 Invitation or inducement
- PERG 8.5 In the course of business
- PERG 8.6 Communicate
- PERG 8.7 Engage in investment activity
- PERG 8.7A Engage in claims management activity
- PERG 8.8 Having an effect in the United Kingdom
- PERG 8.9 Circumstances where the restriction in section 21 does not apply
- PERG 8.10 Types of financial promotion
- PERG 8.11 Types of exemption under the Financial Promotion Order
- PERG 8.12 Exemptions applying to all controlled activities
- PERG 8.13 Exemptions applying to financial promotions concerning deposits and certain contracts of insurance
- PERG 8.14 Other financial promotions
- PERG 8.15 Financial promotions by members of the professions (articles 55 and 55A)
- PERG 8.16 Financial promotions concerning funeral plans
- PERG 8.17 Financial promotions concerning agreements for qualifying credit
- PERG 8.17-A Financial promotions concerning consumer credit and consumer hire
- PERG 8.17A Financial promotions concerning insurance distribution activities
- PERG 8.18 Financial promotions concerning the Lloyd’s market
- PERG 8.19 Additional restriction on the promotion of life policies
- PERG 8.20 Additional restriction on the promotion of collective investment schemes
- PERG 8.21 Company statements, announcements and briefings
- PERG 8.22 The Internet
- PERG 8.23 Regulated activities
- PERG 8.24 Advising on investments
- PERG 8.25 Advice must relate to an investment which is a security or contractually based investment
- PERG 8.26 The investment must be a particular investment
- PERG 8.27 Advice to be given to persons in their capacity as investors (on the merits of their investing as principal or agent)
- PERG 8.28 Advice or information
- PERG 8.29 Advice must relate to the merits (of buying or selling a particular investment)
- PERG 8.30 Medium used to give advice or information
- PERG 8.30A Pre-purchase questioning (including decision trees)
- PERG 8.30B Personal recommendations
- PERG 8.31 Exclusions for advising on investments
- PERG 8.32 Arranging deals in investments
- PERG 8.33 Introducing
- PERG 8.34 The business test
- PERG 8.35 Authorisation and exemption
- PERG 8.36 Illustrative tables
- PERG 8.37 AIFMD Marketing
- PERG 8 Annex 1 Examples of what is and is not a personal recommendation and advice
-
PERG 9 Meaning of open-ended investment company
- PERG 9.1 Application and Purpose
- PERG 9.2 Introduction
- PERG 9.3 The definition
- PERG 9.4 Collective investment scheme (section 235 of the Act)
- PERG 9.5 The property condition (section 236(2) of the Act)
- PERG 9.6 The investment condition (section 236(3) of the Act): general
- PERG 9.7 The investment condition: the 'reasonable investor'
- PERG 9.8 The investment condition : the 'expectation test' (section 236(3)(a) of the Act)
- PERG 9.9 The investment condition : the 'satisfaction test' (section 236(3)(b) of the Act)
- PERG 9.10 Significance of being an open-ended investment company
- PERG 9.11 Frequently Asked Questions
-
PERG 10 Guidance on activities related to pension schemes
- PERG 10.1 Background
- PERG 10.2 General issues
- PERG 10.3 Pension Scheme Trustees
- PERG 10.4 Pension scheme service providers other than trustees
- PERG 10.4A The application of requirements which implemented EU directives
- PERG 10.5 Employers and affinity groups (such as trade unions)
- PERG 10 Annex 1 Flow chart showing the steps to be considered in deciding whether authorisation is needed.
- PERG 10 Annex 2 Flow chart showing the additional steps to be considered by trustees of occupational pension schemes and other persons in deciding whether authorisation is needed for managing the assets of such a scheme
- PERG 10 Annex 3 Table summarising regulatory position of pension scheme trustees and service providers
- PERG 10 Annex 4 Table summarising regulatory position of employers and affinity groups.
- PERG 10 Annex 5 Table summarising regulatory position concerning financial promotions by trustees, employers and affinity groups.
- PERG 11 Guidance on property investment clubs and land investment schemes
-
PERG 12 Guidance for persons running or advising on personal pension schemes
- PERG 12.1 Background
- PERG 12.2 Establishing, operating or winding up a personal pension scheme
- PERG 12.3 Rights under a personal pension scheme
- PERG 12.4 The application of requirements which implemented EU directives
- PERG 12.5 Financial promotion issues
- PERG 12.6 Advising on conversion or transfer of pension benefits
- PERG 12 Annex 1 Examples of what is and is not advising on conversion or transfer of pension benefits
-
PERG 13 Guidance on the scope of the UK provisions which implemented MiFID
- PERG 13.1 Introduction
- PERG 13.2 General
- PERG 13.3 Investment Services and Activities
- PERG 13.4 Financial instruments
- PERG 13.5 Exemptions from MiFID
- PERG 13.5A Child trust funds and MiFID
- PERG 13.6 CRD IV [deleted]
- PERG 13.7 The territorial application of MiFID [deleted]
- PERG 13 Annex 1 Annex 1
- PERG 13 Annex 2 Annex 2
- PERG 13 Annex 3 Are you subject to the CRD and UK CRR (or allowed to be subject to the recast CAD)? [deleted]
-
PERG 14 Guidance on home reversion and home purchase activities
- PERG 14.1 Background
- PERG 14.2 General issues
- PERG 14.3 Activities relating to home reversion plans
- PERG 14.4 Activities relating to home purchase plans
- PERG 14.4A Activities relating to regulated sale and rent back agreements
- PERG 14.5 The ‘by-way-of-business’ test
- PERG 14.6 Carrying on a regulated activity in the United Kingdom
- PERG 14.7 Exemptions
- PERG 14.8 Financial promotions
-
PERG 15 Guidance on the scope of the Payment Services Regulations 2017
- PERG 15.1 Introduction
- PERG 15.2 General
- PERG 15.3 Payment services
- PERG 15.4 Small payment institutions, agents and exempt bodies
- PERG 15.5 Negative scope/exclusions
- PERG 15.6 Territorial scope
- PERG 15.7 Transitional provisions [deleted]
- PERG 15 Annex 1 [deleted]
- PERG 15 Annex 2 Payment Services in Schedule 1 Part 1 to the PSRs 2017
- PERG 15 Annex 3 Schedule 1 Part 2 to the PSRs 2017: Activities which do not constitute payment services
- PERG 16 Scope of the Alternative Investment Fund Managers Regime
- PERG 17 Consumer credit debt counselling
- RPPD The Responsibilities of Providers and Distributors for the Fair Treatment of Customers
- UNFCOG The Unfair Contract Terms and Consumer Notices Regulatory Guide
-
WDPG The Wind-down Planning Guide
- WDPG 1 Introduction
- WDPG 2 Application and interpretation
-
WDPG 3 The concept and process of wind-down planning
- WDPG 3.1 What is wind-down planning?
- WDPG 3.2 Time horizon and the people involved in the planning process
- WDPG 3.3 Wind-down scenarios: what would make a firm no longer viable?
- WDPG 3.4 Effective risk management
- WDPG 3.5 Making a decision to wind-down
- WDPG 3.6 Impact assessment: who will be affected by a wind-down?
- WDPG 3.7 Operational analysis: what happens during the wind-down period?
- WDPG 3.8 Resource assessment
- WDPG 3.9 Cancellation of permission
- WDPG 4 Further topics
- WDPG App 1 Quick Reference Guide (QRG)
- WDPG App 2 QRG: leadership and responsibilities
- WDPG App 3 QRG: business areas and workshops
- WDPG App 4 QRG: the business and operating models
- WDPG App 5 QRG: wind-down scenarios and relevant management information
- WDPG App 6 QRG: the governance process for winding down
- WDPG App 7 QRG: impact assessment
- WDPG App 8 QRG: operational analysis
- WDPG App 9 QRG: time and costs for wind-down
- WDPG App 10 QRG: adequacy of financial and non-financial resources
- WDPG App 11 QRG: special considerations
- WDPG App 12 QRG: documentation, approval and maintenance
-
M2G The MiFID 2 Onshoring Guide
-
M2G 1 Onshoring for Trading Venues & Data Reporting Service Providers
- M2G 1.1 Background
- M2G 1.1A Transitional onshoring provisions
- M2G 1.2 MiFID onshoring in UK legislation and the FCA Handbook
- M2G 1.3 Markets in Financial Instruments Regulation (‘MiFIR’)
- M2G 1.4 Technical standards and delegated acts
- M2G 1.5 ESMA Guidelines
- M2G 1.6 Third country firms
- M2G 1.7 Overview
- M2G 1 Annex 1 MiFID and Market Infrastru0cture: An Overview
-
M2G 2 Onshoring of senior management arrangements and systems and controls obligations
- M2G 2.1 Background
- M2G 2.2 MiFID I implementation and SYSC [deleted]
- M2G 2.3 Main types of senior management and organisational requirements in MiFID II
- M2G 2.4 MiFID II onshoring and SYSC
- M2G 2.5 Navigating SYSC
- M2G 2.6 UK MiFID investment firms
- M2G 2.7 MiFID optional exemption firms
- M2G 2.8 Other firms- Collective portfolio management investment firms and authorised professional firms
- M2G 2.9 Other organisational requirements
- M2G 2 Annex 1 Overview
-
M2G 1 Onshoring for Trading Venues & Data Reporting Service Providers
- Glossary