Related provisions for COBS 19.4.3

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COBS 19.4.5RRP
(1) 3Where a firm communicates with a retail client about the retail client'spersonal pension scheme, stakeholder pension scheme, FSAVC, retirement annuity contract or pension buy-out contract which is provided by the firm, unless the circumstances in (2) apply, the firm must3:(a) refer to the availability of the pensions guidance;3(b) offer to provide the client with information about how to access the pensions guidance; and3(c) [deleted]3(d) include3 a recommendation that the
COBS 19.4.6GRP
3An example of behaviour that is likely to contravene the client's best interests rule or Principle 6 and may contravene other Principles is for a firm to actively discourage a retail client from using the pensions guidance, for example by:(1) leading the client to believe that using the pensions guidance is unnecessary or would not be beneficial; or(2) obscuring the statement about the availability of the pensions guidance or any other information relevant to the exercise of