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 11 Liquidity risk systems and controls
- SYSC 12 Group risk systems and controls requirements
- SYSC 13 Operational risk: systems and controls for insurers
- SYSC 14 Prudential risk management and associated systems and controls for insurers
- SYSC 15 Credit risk management systems and controls for insurers
- SYSC 16 Market risk management systems and controls for insurers
- SYSC 17 Insurance risk systems and controls
- SYSC 18 Guidance on Public Interest Disclosure Act: Whistleblowing
- SYSC 19 Remuneration Code
- SYSC TP 1 Common platform firms
- SYSC TP 2 Firms other than common platform firms, insurers, managing agents and the Society
- SYSC TP 3 Remuneration code
- 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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COND Threshold Conditions
- COND 1 Introduction
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COND 2 The threshold conditions
- COND 2.1 Threshold condition 1: Legal status
- COND 2.2 Threshold condition 2: Location of offices
- COND 2.2A Threshold condition 2A: Appointment of claims representatives
- COND 2.3 Threshold condition 3: Close links
- COND 2.4 Threshold condition 4: Adequate resources
- COND 2.5 Threshold condition 5: Suitability
- COND 2.6 Additional conditions
- COND 2 Annex 1 The threshold conditions
- COND 3 Banking Act 2009
- 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 TP 1 Transitional Provisions
- APER Sch 1 Record keeping requirements
- APER Sch 2 Notification requirements
- APER Sch 3 Fees and required payments
- APER Sch 4 Powers exercised
- APER Sch 5 Rights of action for damages
- APER Sch 6 Rules that can be waived
- FIT The Fit and Proper test for Approved Persons
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GEN General Provisions
- GEN 1 FSA approval and emergencies
- GEN 2 Interpreting the Handbook
- GEN 4 Statutory status disclosure
- GEN 5 The FSA logo and the Key facts logo
- GEN 6 Insurance against financial penalties
- GEN TP 1 Transitional provisions
- 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 2 Application and notification fees payable in relation to collective investment schemes
- FEES 3 Annex 3 Application fees payable in connection with Recognised Investment Exchanges and Recognised Clearing Houses
- FEES 3 Annex 4 Application and administration fees in relation to listing rules
- FEES 3 Annex 5 Document vetting and approval fees in relation to listing and prospectus rules
- FEES 3 Annex 6 Fees payable for a permission or guidance on its availability in connection with the Basel Capital Accord
- FEES 3 Annex 7 Fees where changes are made to firms transaction reporting systems and the FSA is asked to check that these systems remain compatible with FSA systems
- FEES 3 Annex 8 Fees payable for authorisation as an authorised payment institution or registration as a small payment institution in accordance with the Payment Services Regulations
- FEES 3 Annex 9 Special Project Fee for restructuring
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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 ICVCs and UCITS qualifiers)
- FEES 4.4 Information on which Fees are calculated
- FEES 4 Annex 1 Activity groups, tariff bases and valuation dates applicable
- FEES 4 Annex 2 Fee tariff rates, permitted deductions and EEA/Treaty firm modifications for the period from 1 April 2010 to 31 March 2011
- FEES 4 Annex 3 Transaction reporting fees
- FEES 4 Annex 4 Periodic fees in relation to collective investment schemes payable for the period 1 April 2010 to 31 March 2011
- FEES 4 Annex 5 Periodic fees for designated professional bodies payable in relation to the period 1 April 2010 to 31 March 2011
- FEES 4 Annex 6 Periodic fees for recognised investment exchanges and recognised clearing houses payable in relation to the period 1 April 2010 to 31 March 2011
- FEES 4 Annex 7 Periodic fees in relation to the Listing Rules for the period 1 April 2010 to 31 March 2011
- FEES 4 Annex 8 Periodic fees in relation to the disclosure rules and transparency rules for the period 1 April 2010 to 31 March 2011
- FEES 4 Annex 9 Periodic fees in respect of securities derivatives for the period from 1 April 2010 to 31 March 2011
- FEES 4 Annex 10 Periodic fees for MTF operators payable in relation to the period 1 April 2010 to 31 March 2011
- FEES 4 Annex 11 Periodic fees in respect of payment services carried on by fee-paying payment service providers under the Payment Services Regulations in relation to the period 1 April 2010 to 31 March 2011
- FEES 4 Annex 12 Guidance on the calculation of tariffs set out in FEES 4 Annex 1 R Part 2
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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 5.5 Case fees
- FEES 5.6 The supplementary levy
- FEES 5.7 Payment
- FEES 5.8 Joining the Financial Ombudsman Service
- FEES 5.9 Leaving the Financial Ombudsman Service
- FEES 5 Annex 1R Annual Fees Payable in Relation to 2010/11
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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 6.5 Compensation costs
- FEES 6.6 Incoming EEA firms
- 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 4 Guidance on the calculation of tariff bases
- FEES 7 CFEB levies
- 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 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
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GENPRU 2 Capital
- GENPRU 2.1 Calculation of capital resources requirements
- GENPRU 2.2 Capital resources
- GENPRU 2.3 Application of GENPRU 2 to Lloyd's
- GENPRU 2 Annex 1 Capital resources table for an insurer
- GENPRU 2 Annex 2 Capital resources table for a bank
- GENPRU 2 Annex 3 Capital resources table for a building society
- GENPRU 2 Annex 4 Capital resources table for a BIPRU investment firm deducting material holdings
- GENPRU 2 Annex 5 Capital resources table for a BIPRU investment firm deducting illiquid assets
- GENPRU 2 Annex 6 Capital resources table for a BIPRU investment firm with a waiver from consolidated supervision
- GENPRU 2 Annex 7 Admissible assets in insurance
- GENPRU 2 Annex 8 Guidance on applications for waivers relating to Implicit items
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GENPRU 3 Cross sector groups
- GENPRU 3.1 Application
- GENPRU 3.2 Third-country groups
- GENPRU 3 Annex 1 Capital adequacy calculations for financial conglomerates (GENPRU 3.1.26R and 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 Pillar 3 capital resources
- GENPRU TP 8 Miscellaneous capital resources definitions for BIPRU firms
- GENPRU TP 14 Continued use of IPRU expenditure requirements by BIPRU investment firms
- GENPRU TP 15 Admissible assets
- GENPRU Sch 1 Record keeping requirements
- GENPRU Sch 2 Notification and reporting requirements
- GENPRU Sch 3 Fees and other requirement payments
- 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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BIPRU Prudential sourcebook for Banks, Building Societies and Investment Firms
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BIPRU 1 Application
- BIPRU 1.1 Application
- BIPRU 1.2 Definition of the trading book
- BIPRU 1.3 Applications for advanced approaches
- BIPRU 1.4 Actions for damages
- BIPRU 1 Annex 1D Application form to apply the advanced measurement approach
- BIPRU 1 Annex 2D Application form to apply the IRB approach
- BIPRU 1 Annex 3D Application form to apply the CCR internal model method approach
- BIPRU 2 Capital
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BIPRU 3 Standardised credit risk
- BIPRU 3.1 Application and purpose
- BIPRU 3.2 The central principles of the standardised approach to credit risk
- BIPRU 3.3 The use of the credit assessments of ratings agencies
- BIPRU 3.4 Risk weights under the standardised approach to credit risk
- BIPRU 3.5 Simplified method of calculating risk weights
- BIPRU 3.6 Use of rating agencies' credit assessments for the determination of risk weights under the standardised approach to credit risk
- BIPRU 3.7 Classification of off-balance-sheet items
- BIPRU 3 Annex 1 Guidance on the standardised approach zero risk weighting for intra-group exposures
- BIPRU 3 Annex 2 Regional governments and local authorities eligible for the treatment in BIPRU 3.4.15R
- BIPRU 3 Annex 3 High risk exposures
- BIPRU 3 Annex 4 Exposures to institutions: Interaction with short-term credit assessments in BIPRU 3.4.40R
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BIPRU 4 The IRB approach
- BIPRU 4.1 The IRB approach: Application, purpose and overview
- BIPRU 4.2 The IRB approach: High level material
- BIPRU 4.3 The IRB approach: Provisions common to different exposure classes
- BIPRU 4.4 The IRB approach: Exposures to corporates, institutions and sovereigns
- BIPRU 4.5 The IRB approach: Specialised lending exposures
- BIPRU 4.6 The IRB approach: Retail exposures
- BIPRU 4.7 The IRB approach: Equity exposures
- BIPRU 4.8 The IRB approach: Purchased receivables
- BIPRU 4.9 The IRB approach: Securitisation, non-credit obligations assets and CIUs
- BIPRU 4.10 The IRB approach: Credit risk mitigation
- BIPRU 4 Annex 1 Supervisory Slotting Criteria for Specialised Lending
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BIPRU 5 Credit risk mitigation
- BIPRU 5.1 Application and purpose
- BIPRU 5.2 The central principles of credit risk mitigation
- BIPRU 5.3 On balance sheet netting
- BIPRU 5.4 Financial collateral
- BIPRU 5.5 Other funded credit risk mitigation
- BIPRU 5.6 Master netting agreements
- BIPRU 5.7 Unfunded credit protection
- BIPRU 5.8 Maturity mismatches
- BIPRU 5.9 Combinations of credit risk mitigation in the standardised approach
- BIPRU 6 Operational risk
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BIPRU 7 Market risk
- BIPRU 7.1 Application, purpose, general provisions and non-standard transactions
- BIPRU 7.2 Interest rate PRR
- BIPRU 7.3 Equity PRR and basic interest rate PRR for equity derivatives
- BIPRU 7.4 Commodity PRR
- BIPRU 7.5 Foreign currency PRR
- BIPRU 7.6 Option PRR
- BIPRU 7.7 Position risk requirements for collective investment undertakings
- BIPRU 7.8 Securities underwriting
- BIPRU 7.9 Use of a CAD 1 model
- BIPRU 7.10 Use of a Value at Risk Model
- BIPRU 7.11 Credit derivatives in the trading book
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BIPRU 8 Group risk consolidation
- BIPRU 8.1 Application
- BIPRU 8.2 Scope and basic consolidation requirements for UK consolidation groups
- BIPRU 8.3 Scope and basic consolidation requirements for non-EEA sub-groups
- BIPRU 8.4 CAD Article 22 groups and investment firm consolidation waiver
- BIPRU 8.5 Basis of consolidation
- BIPRU 8.6 Consolidated capital resources
- BIPRU 8.7 Consolidated capital resources requirements
- BIPRU 8.8 Advanced prudential calculation approaches
- BIPRU 8.9 Consolidated concentration risk requirements
- BIPRU 8 Annex 1 Decision tree identifying a UK consolidation group
- BIPRU 8 Annex 2 Examples of how to identify a UK consolidation group
- BIPRU 8 Annex 3 Examples of how to identify a non-EEA sub-group
- BIPRU 8 Annex 4 Text of Articles 125 and 126 of the Banking Consolidation Directive
- BIPRU 8 Annex 5 Decision tree for identifying the consolidated capital resources requirement of a UK consolidation group or a non-EEA sub-group.
- BIPRU 8 Annex 6 Non–EEA regulators' requirements deemed CRD-equivalent for individual risks
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BIPRU 9 Securitisation
- BIPRU 9.1 Application and purpose
- BIPRU 9.2 Approach to be used
- BIPRU 9.3 Requirements for originators
- BIPRU 9.4 Traditional securitisation
- BIPRU 9.5 Synthetic securitisation
- BIPRU 9.6 Implicit support
- BIPRU 9.7 Recognition of credit assessments of ECAIs
- BIPRU 9.8 Use of ECAI credit assessments for the determination of applicable risk weights
- BIPRU 9.9 Calculation of risk-weighted exposure amounts for securitisation positions
- BIPRU 9.10 Reduction in risk-weighted exposure amounts
- BIPRU 9.11 Calculation of risk weighted exposure amounts under the standardised approach to securitisations
- BIPRU 9.12 Calculation of risk-weighted exposure amounts under the IRB approach
- BIPRU 9.13 Securitisations of revolving exposures with early amortisation provisions
- BIPRU 9.14 Recognition of credit risk mitigation on securitisation positions under the IRB approach
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BIPRU 10 Concentration risk requirements
- BIPRU 10.1 Application and Purpose
- BIPRU 10.2 Identification of exposures
- BIPRU 10.3 Identification of counterparties
- BIPRU 10.4 Measurement of exposures to counterparties and issuers
- BIPRU 10.5 Limits on exposures and large exposures
- BIPRU 10.6 Exemptions
- BIPRU 10.7 Treasury concession and intra-group securities financing transactions
- BIPRU 10.8 UK integrated groups
- BIPRU 10.9 Wider Integrated Group
- BIPRU 10.10 Treatment of the trading book concentration risk excess under the integrated groups regime
- BIPRU 10.11 Notification procedures for BIPRU 10.7 to BIPRU 10.10
- BIPRU 10.12 Systems and controls and general
- BIPRU 10 Annex 1 Treatment of exposures under the integrated groups regime for concentration risk
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BIPRU 11 Disclosure (Pillar 3)
- BIPRU 11.1 Application and purpose
- BIPRU 11.2 Basis of disclosures
- BIPRU 11.3 Disclosures: Information to be disclosed; Frequency, media and location of disclosures; Verification
- BIPRU 11.4 Technical criteria on disclosure: General criteria
- BIPRU 11.5 Technical criteria on disclosure: General requirements
- BIPRU 11.6 Qualifying requirements for the use of particular instruments or methodologies
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BIPRU 12 Liquidity standards
- BIPRU 12.1 Application
- BIPRU 12.2 Adequacy of liquidity resources
- BIPRU 12.3 Liquidity risk management
- BIPRU 12.4 Stress testing and contingency funding
- BIPRU 12.5 Individual Liquidity Adequacy Standards
- BIPRU 12.6 Simplified ILAS
- BIPRU 12.7 Liquid assets buffer
- BIPRU 12.8 Cross-border and intra-group management of liquidity
- BIPRU 12.9 Individual liquidity guidance and regulatory intervention points
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BIPRU 13 The calculation of counterparty risk exposure values for financial derivatives, securities financing transactions and long settlement transactions
- BIPRU 13.1 Application and Purpose
- BIPRU 13.2 Unusual Transactions
- BIPRU 13.3 Calculation of exposure values for financial derivatives and long settlement transactions: General provisions
- BIPRU 13.4 CCR mark to market method
- BIPRU 13.5 CCR standardised method
- BIPRU 13.6 CCR internal model method
- BIPRU 13.7 Contractual netting
- BIPRU 13.8 Securities financing transactions
- BIPRU 13 Annex 1
- BIPRU 14 Capital requirements for settlement and counterparty risk
- BIPRU TP 1 Applicable chapter of IPRU and other general provisions
- BIPRU TP 2 Capital floors for a firm using the IRB or AMA approaches
- BIPRU TP 3 Pre CRD capital requirements applying on a solo basis during 2007
- BIPRU TP 4 Pre CRD capital requirements applying on a solo basis during 2007: Banks
- BIPRU TP 5 Pre CRD capital requirements applying on a solo basis during 2007: Building societies
- BIPRU TP 6 Pre CRD capital requirements applying on a solo basis during 2007: Investment management firms
- BIPRU TP 7 Pre CRD capital requirements applying on a solo basis during 2007: UCITS investment firms
- BIPRU TP 8 Pre CRD capital requirements applying on a solo basis during 2007: Securities and futures firms
- BIPRU TP 9 Pre CRD capital requirements applying on a solo basis during 2007 and capital floors: Personal investment firms
- BIPRU TP 10 Pre CRD capital requirements applying on a consolidated basis during 2007
- BIPRU TP 11 IRB transitionals
- BIPRU TP 12 Operational risk transitionals: small trading book
- BIPRU TP 13 Other operational risk transitionals
- BIPRU TP 14 Market risk: VaR models
- BIPRU TP 15 Commodities firm transitionals: Exemption from capital requirements
- BIPRU TP 16 Commodities firm transitionals: large exposures
- BIPRU TP 17 Large exposures: Exemptions for intra-group exposures for banks and investment firms
- BIPRU TP 18 Large exposures: Exemptions for intra-group exposures for building societies
- BIPRU TP 19 Large exposures: Exemptions for intra-group exposures on a consolidated basis
- BIPRU TP 20 Standardised credit risk transitionals
- BIPRU TP 21 Close substitutes for commodities
- BIPRU TP 23 Record keeping transitionals
- BIPRU TP 24 Mid market valuations
- BIPRU TP 25 Exclusions from consolidation
- BIPRU TP 26 Quantitative aspects of BIPRU 12: all firms to which BIPRU 12 applies
- BIPRU TP 27 Application of GENPRU 1.2, BIPRU 12.3 and BIPRU 12.4: all firms to which BIPRU 12 applies
- BIPRU TP 28 BIPRU 12.3 and BIPRU 12.4: banks with a Global Liquidity Concession
- BIPRU TP 29 Liquid assets buffer scalar: simplified ILAS BIPRU firms
- BIPRU TP 31 Consequential changes to the Handbook occasioned by BIPRU 12: all firms to which BIPRU 12 applies
- BIPRU TP 32 Consequential changes to the Handbook occasioned by BIPRU 12: simplified ILAS building societies
- BIPRU Sch 1 Record keeping requirements
- BIPRU Sch 2 Notification and reporting requirements
- BIPRU Sch 3 Fees and other requirement payments
- BIPRU Sch 4 Powers exercised
- BIPRU Sch 5 Rights of action for damages
- BIPRU Sch 6 Rules than can be waived
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BIPRU 1 Application
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INSPRU Prudential sourcebook for Insurers
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INSPRU 1 Capital resources requirements and technical provisions for insurance business
- INSPRU 1.1 Application
- INSPRU 1.2 Mathematical reserves
- INSPRU 1.3 With-profits insurance capital component
- INSPRU 1.4 Equalisation provisions
- INSPRU 1.5 Internal-contagion risk
- INSPRU 1.6 Insurance Special Purpose Vehicles
- INSPRU 1 Annex 1 INSPRU 1.2 (Mathematical reserves) and INSPRU 1.3 (With-profits insurance capital component)
- INSPRU 2 Credit risk in insurance
- INSPRU 3 Market risk
- INSPRU 4 Liquidity risk management
- INSPRU 5 Operational Risk Management
- INSPRU 6 Group Risk: Insurance Groups
- 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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INSPRU 1 Capital resources requirements and technical provisions for insurance business
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MIPRU Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries
- MIPRU 1 Application and general provisions
- MIPRU 2 Insurance mediation activity: responsibility, knowledge, ability and good repute
- MIPRU 3 Professional indemnity insurance
- MIPRU 4 Capital resources
- MIPRU 5 Insurance undertakings and home finance providers using insurance or home finance mediation services
- MIPRU TP 1 Transitional Provisions
- 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
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UPRU Prudential sourcebook for UCITS Firms
- UPRU 1 UCITS firms
- UPRU 2 Prudential requirements
- UPRU TP 1 Transitional Provisions for UPRU
- UPRU Sch 1 Record keeping requirements
- UPRU Sch 2 Notification requirements
- UPRU Sch 3 Fees and other required payments
- UPRU Sch 4 Powers exercised
- UPRU Sch 5 Rights of action for damages
- UPRU Sch 6 Rules that can be waived
- IPRU-BANK Interim Prudential sourcebook for Banks
- IPRU-BSOC Interim Prudential sourcebook for Building Societies
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GENPRU General Prudential sourcebook
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Business Standards
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COBS Conduct of Business Sourcebook
- COBS 1 Application
- COBS 2 Conduct of business obligations
- COBS 3 Client categorisation
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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
- COBS 4.6 Past, simulated past and future performance
- COBS 4.7 Direct offer financial promotions
- 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 Unregulated collective investment schemes
- COBS 5 Distance communications
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COBS 6 Information about the firm, its services and remuneration
- COBS 6.1 Information about the firm and compensation information
- COBS 6.2 Describing the breadth of a firm's personal recommendations
- COBS 6.3 Disclosing information about services, fees and commission – packaged products
- 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)
- COBS 6 Annex 2 Combined initial disclosure document described in COBS 6.3, ICOBS 4.5, MCOB 4.4.1R(1) and MCOB 4.10.2R(1)
- COBS 6 Annex 3 [deleted]
- COBS 6 Annex 4 [deleted]
- COBS 6 Annex 5 [deleted]
- COBS 6 Annex 6 Calculating commission equivalent
- COBS 7 Insurance mediation
- COBS 8 Client agreements
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COBS 9 Suitability (including basic advice)
- 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 9.6 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 10 Appropriateness (for non-advised services)
- COBS 10.1 Application and purpose provisions
- 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
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COBS 11 Dealing and managing
- COBS 11.1 Application
- COBS 11.2 Best execution
- COBS 11.3 Client order handling
- COBS 11.4 Client limit orders
- COBS 11.5 Record keeping: client orders and transactions
- COBS 11.6 Use of dealing commission
- COBS 11.7 Personal account dealing
- COBS 11.8 Recording telephone conversations and electronic communications
- COBS 12 Investment research
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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 Annex 1 The Consolidated Life Directive Information
- COBS 13 Annex 2 Projections
- COBS 13 Annex 3 Charges
- COBS 14 Providing product information to clients
- COBS 15 Cancellation
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COBS 16 Reporting information to clients
- COBS 16.1 General client reporting requirement
- 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 income withdrawals
- COBS 16 Annex 1R Trade confirmation and periodic information
- COBS 16 Annex 2R Information to be included in a Periodic report
- COBS 17 Claims handling for long-term care insurance
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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 Operators of collective investment schemes
- COBS 18.6 Lloyd's
- COBS 18.7 Depositaries
- COBS 18.8 OPS firms - non scope business
- COBS 18.9 ICVCs
- COBS 18.10 UCITS qualifiers and service companies
- COBS 18.11 Authorised professional firms
- COBS 19 Pensions supplementary provisions
- COBS 20 With-profits
- COBS 21 Permitted Links
- 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
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ICOBS Insurance: Conduct of Business sourcebook
- ICOBS 1 Application
- ICOBS 2 General matters
- ICOBS 3 Distance communications
-
ICOBS 4 Information about the firm, its services and remuneration
- ICOBS 4.1 General requirements for insurance intermediaries
- ICOBS 4.2 Additional requirements for protection policies for insurance intermediaries and insurers
- ICOBS 4.3 Fee disclosure
- ICOBS 4.4 Commission disclosure for commercial customers
- ICOBS 4.5 Initial disclosure document
- ICOBS 4 Annex 1 Initial disclosure document
- ICOBS 5 Identifying client needs and advising
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ICOBS 6 Product Information
- ICOBS 6.1 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 Annex 1 Responsibilities of insurers and insurance intermediaries in certain situations
- ICOBS 6 Annex 2 Policy summary for consumers
- ICOBS 7 Cancellation
- ICOBS 8 Claims handling
- ICOBS TP 1 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 2.2 Communications
- 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 2.6 Exclusion of liability
- MCOB 2.6A Protecting customer's interests: 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 Annex 1G Form of joint instruction letter
-
MCOB 3 Financial Promotion of qualifying credit, home reversion plans and regulated sale and rent back agreements
- MCOB 3.1 Application: who?
- MCOB 3.2 Application: what?
- MCOB 3.3 Application: where?
- MCOB 3.4 Purpose
- MCOB 3.5 General
- MCOB 3.6 Form and content of non-real time qualifying credit promotions
- MCOB 3.7 Unsolicited real time financial promotions of qualifying credit, a home reversion plan or a regulated sale and rent back agreement
- MCOB 3.8 Form and content of real time qualifying credit promotions
- MCOB 3.8A Form and content of financial promotions of home reversion plans
- MCOB 3.8B Form and content of financial promotions of regulated sale and rent back agreements
- MCOB 3.9 Confirmation of compliance: financial promotions of qualifying credit, home reversion plans or regulated sale and rent back agreements
- MCOB 3.10 Records: non-real time financial promotions of qualifying credit, a home reversion plan or a regulated sale and rent back agreement
- MCOB 3.11 Communication and approval of qualifying credit promotions for an overseas person or an unauthorised person
- MCOB 3.12 The Internet and other electronic media
- MCOB 3 Annex 1 Examples of qualifying credit promotions
-
MCOB 4 Advising and selling standards
- MCOB 4.1 Application
- MCOB 4.2 Purpose
- MCOB 4.3 Scope of service provided
- MCOB 4.4 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 4.7 Advised sales
- MCOB 4.8 Non-advised sales
- MCOB 4.9 Business loans
- MCOB 4.10 Home purchase plans
- MCOB 4.11 Sale and rent back: advising and selling standards
- MCOB 4 Annex 1 Initial disclosure document
- 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 5 Pre-application disclosure
- MCOB 5.1 Application
- MCOB 5.2 Purpose
- MCOB 5.3 Applying for a home finance transaction
- MCOB 5.4 Mortgage illustrations: general
- MCOB 5.5 Provision of illustrations
- MCOB 5.6 Content of illustrations
- MCOB 5.7 Business loans
- 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 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
- 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 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
- 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 8 Equity release: advising and selling standard
- MCOB 8.1 Application
- MCOB 8.2 Purpose
- MCOB 8.3 Application of rules in MCOB 4
- MCOB 8.4 [deleted]
- MCOB 8.5 Advised sales
- MCOB 8.6 Non-advised sales
- MCOB 8.7 Initial disclosure information: unauthorised reversion provider
- MCOB 8 Annex 1 Initial disclosure document
- MCOB 8 Annex 2 Combined initial disclosure document [deleted]
-
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 (R).
- MCOB 9 Annex 2 The illustration: table of contents, prescribed text and prescribed section headings and sub-headings
- MCOB 10 Annual Percentage Rate
- MCOB 11 Responsible lending, and responsible financing of home purchase plans
-
MCOB 12 Charges
- MCOB 12.1 Application
- MCOB 12.2 Purpose
- MCOB 12.3 Early repayment charges: regulated mortgage contracts
- MCOB 12.4 Arrears 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
- MCOB 12.7 Home purchase plans
-
MCOB 13 Arrears and repossessions: regulated mortgage contracts and home purchase plans
- MCOB 13.1 Application
- MCOB 13.2 Purpose
- MCOB 13.3 Dealing fairly with customers in arrears: policy and procedures
- MCOB 13.4 Arrears: provision of information to the customer of a regulated mortgage contract
- 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
- MCOB 13.8 Home purchase plans
- MCOB TP 1 Transitional Provisions
- MCOB TP 2 Transitional Provisions
- MCOB TP 3 Transitional Provisions
- 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 with banking customers and financial promotions
- BCOBS 3 Distance communications
- BCOBS 4 Information to be communicated to banking customers
- BCOBS 5 Post sale
- BCOBS 6 Cancellation
- BCOBS TP 1 Transitional Provision
- 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
-
CASS Client Assets
- CASS 1 Application and general provisions
- CASS 3 Collateral
-
CASS 5 Client money: insurance mediation activity
- CASS 5.1 Application
- CASS 5.2 Holding money as agent of 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 7.1 Application and Purpose
- CASS 7.2 Definition of client money
- CASS 7.3 Organisational requirements: client money
- CASS 7.4 Segregation of client money
- CASS 7.5 Transfer of client money to a third party
- CASS 7.6 Records, accounts and reconciliations
- CASS 7.7 Statutory trust
- CASS 7.8 Notification and acknowledgement of trust
- CASS 7 Annex 1 Annex 1
- CASS 7A Client money distribution
- CASS 8 Mandates
- 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 The Code of Market Conduct
- MAR 1.1 Application and interpretation
- MAR 1.2 Market Abuse: general
- MAR 1.3 Market abuse (insider dealing)
- MAR 1.4 Market abuse (improper disclosure)
- MAR 1.5 Market abuse (misuse of information)
- MAR 1.6 Market abuse (manipulating transactions)
- MAR 1.7 Market abuse (manipulating devices)
- MAR 1.8 Market abuse (dissemination)
- MAR 1.9 Market abuse (misleading behaviour) & market abuse (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
- MAR 2.2 Stabilisation: general
- MAR 2.3 Stabilisation under the Buy-back and Stabilisation Regulation
- MAR 2.4 Stabilisation when the Buy-back and Stabilisation Regulation does not apply
- 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))
- 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 5.4 Finalisation of transactions
- MAR 5.5 Monitoring compliance with the rules of the MTF
- MAR 5.6 Reporting requirements
- MAR 5.7 Pre-trade transparency requirements for shares
- MAR 5.8 Provisions common to pre- and post-trade transparency requirements for shares
- MAR 5.9 Post-trade transparency requirements for shares
-
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
- MAR 6.4 Systematic internaliser reporting requirement
- MAR 6.5 Obligations on systematic internalisers in shares to make public firm quotes
- MAR 6.6 Size and content of quotes
- MAR 6.7 Prices reflecting prevailing market conditions
- MAR 6.8 Liquid market for shares, share class, standard market size and relevant market
- MAR 6.9 Publication of quotes
- MAR 6.10 Execution price of retail client orders
- MAR 6.11 Execution price of professional client orders
- MAR 6.12 Execution price of client orders not matching quotation sizes
- MAR 6.13 Standards and conditions for trading
- MAR 6.14 Limiting risk of exposure to multiple transactions
- MAR 7 Disclosure of information on certain trades undertaken outside a regulated market or MTF
- 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 The Code of Market Conduct
-
TC Training and Competence
- TC 1 Application and Purpose
- TC 2 Competence
- TC 3 Record Keeping
- TC App 1 TC Appendix 1
- TC App 2 Appendix 2
- TC App 3 Appendix 3
- 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 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
-
COBS Conduct of Business Sourcebook
-
Regulatory Processes
-
SUP Supervision
- SUP 1 The FSA's approach to supervision
- SUP 2 Information gathering by the FSA 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 4 Actuaries
-
SUP 5 Reports by skilled persons
- SUP 5.1 Application and purpose
- SUP 5.2 The FSA'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 Examples of when the FSA may use the skilled person tool (This Annex belongs to SUP 5.3.1G)
- SUP 5 Annex 2 An overview of the appointment and report development process
-
SUP 6 Applications to vary and cancel Part IV permission
- SUP 6.1 Application and purpose
- SUP 6.2 Introduction
- SUP 6.3 Applications for variation of permission
- SUP 6.4 Applications for cancellation of permission
- SUP 6.5 Ending authorisation
- SUP 6 Annex 1 Applications for variation and cancellation of Part IV permission
- SUP 6 Annex 2 Summary of procedures on application for variation of Part IV permission
- SUP 6 Annex 3 Summary of procedures on application for cancellation of Part IV permission
- 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 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 1 SUP 8: Waiver and modification of rules
- SUP 8 Annex 2 Application form for a waiver or modification of rules
- SUP 9 Individual guidance
-
SUP 10 Approved persons
- SUP 10.1 Application
- SUP 10.2 Purpose
- SUP 10.3 Provisions related to the act
- SUP 10.4 Specification of functions
- SUP 10.5 Significant influence functions
- SUP 10.6 Governing functions
- SUP 10.7 Required functions
- SUP 10.8 Systems and control functions
- SUP 10.9 Significant management functions
- SUP 10.10 Customer functions
- SUP 10.11 Procedures relating to approved persons
- SUP 10.12 Application for approval and withdrawing an application for approval
- SUP 10.13 Changes to an approved person's details
- SUP 10.14 Further questions
- SUP 10 Annex 1 Frequently asked questions
- SUP 10 Annex 2 Approved person regime: summary of forms and their use
- SUP 10 Annex 4 Form A: Application to perform controlled functions under the approved person regime
- SUP 10 Annex 5 Form B: Notice to withdraw an application to perform controlled functions under the approved persons regime
- SUP 10 Annex 6 Form C: Notice of ceasing to perform controlled functions
- SUP 10 Annex 7 Form D: Notification of changes in personal information or application details
- SUP 10 Annex 8 Form E: Internal transfer of an approved person
-
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 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 EEA tied agent?
- SUP 12.4 What must a firm do when it appoints an appointed representative or an EEA tied agent?
- SUP 12.5 Contracts: required terms
- SUP 12.6 Continuing obligations of firms with appointed representatives or EEA tied agents
- SUP 12.7 Notification requirements
- SUP 12.8 Termination of a relationship with an appointed representative or EEA 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 notification form
- SUP 12 Annex 5 Appointed representative termination form
-
SUP 13 Exercise of passport rights by UK firms
- SUP 13.1 Application and purpose
- SUP 13.2 Introduction
- SUP 13.3 Establishing a branch in another EEA State
- SUP 13.4 Providing cross border services into another EEA State
- SUP 13.5 Notices of intention
- SUP 13.6 Changes to branches
- SUP 13.7 Changes to cross border services
- SUP 13.8 Changes of details: provision of notices to the FSA
- SUP 13.10 Applicable provisions
- SUP 13.11 Record keeping
- SUP 13.12 Sources of further information
- SUP 13 Annex 1 Requisite details: branches R
- SUP 13 Annex 2 Relevant UK details: branches of insurance undertakings R
- SUP 13 Annex 3 Specified information: Cross Border Services
-
SUP 13A Qualifying for authorisation under the Act
- SUP 13A.1 Application and purpose
- SUP 13A.2 EEA firms and Treaty firms
- SUP 13A.3 Qualifications for authorisation under the Act
- SUP 13A.4 EEA firms establishing a branch in the United Kingdom
- SUP 13A.5 EEA firms providing cross border services into the United Kingdom
- SUP 13A.6 Which rules will an incoming EEA firm be subject to?
- SUP 13A.7 Top-up permission
- SUP 13A.8 Sources of further information
- SUP 13A.9 The precautionary measure rule for incoming EEA firms
- SUP 13A Annex 1 Application of the Handbook to Incoming EEA Firms
- SUP 13A Annex 2 Matters reserved to a Home State regulator
-
SUP 14 Incoming EEA firms changing details, and cancelling qualification for authorisation
- SUP 14.1 Application and purpose
- SUP 14.2 Changes to branch details
- SUP 14.3 Changes to cross border services
- SUP 14.4 Notices of proposed changes: form and delivery
- SUP 14.5 Variation of a top-up permission to carry on regulated activities outside the scope of the Single Market Directives
- SUP 14.6 Cancelling qualification for authorisation
- SUP 14.7 Cancellation of a top-up permission to carry on regulated activities outside the scope of the Single Market Directives
- SUP 14.8 Further guidance
-
SUP 15 Notifications to the FSA
- 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 (market abuse)
- SUP 15 Annex 1 Application of SUP 15 to incoming EEA firms and incoming Treaty firms
- SUP 15 Ann 2 Form F
- SUP 15 Ann 3 Standing data form
- SUP 15 Ann 4 Notification form
- SUP 15 Ann 5 Indications of Possible Suspicious Transactions
-
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 16.8 Persistency reports from insurers and data reports on stakeholder pensions
- SUP 16.9 Appointed representatives annual report
- SUP 16.10 Verification of standing data
- SUP 16.11 Product Sales Data Reporting
- SUP 16.12 Integrated Regulatory Reporting
- SUP 16 Annex 1 [deleted]
- 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 9R Annual questionnaire for authorised professional firms
- SUP 16 Annex 10 Securities and Futures firms' reporting forms and requirements applying to their completion
- SUP 16 Annex 11 Guidance Notes on Completion of Securities and Futures Firms Reporting Forms
- SUP 16 Annex 12 Reports from trustees of AUTs and depositaries of ICVCs
- SUP 16 Annex 13 Return cover sheet
- SUP 16 Annex 14 Quarterly and annual returns for Credit Unions
- SUP 16 Annex 15 Notes on completing the quarterly and annual returns for Credit Unions
- SUP 16 Annex 16 [deleted]
- SUP 16 Annex 16A Standing data (See SUP 16.10.4 R)
- 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 Lending and Administration Return ('MLAR')
- SUP 16 Annex 19B Notes for Completion of the Mortgage Lending and Administration 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 26 Guidance on designated liquidity groups in SUP 16.12
- SUP 17 Transaction reporting
-
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 1 Prudential categories and sub-categories
- SUP App 1.1 Application
- SUP App 1.2 Purpose
- SUP App 1.3 Prudential categories and sub-categories
- SUP App 1.4 Relevance of prudential categories
- SUP App 1.5 Determining the prudential categories of a firm
- SUP App 1.6 Changing prudential category after authorisation
- SUP App 1.7 Prudential categories and sub-categories
- SUP App 1.8 Notes to Figures 1 and 2
-
SUP App 2 Insurers: Regulatory intervention points and run-off plans
- SUP App 2.1 Application
- SUP App 2.2 Interpretation
- SUP App 2.3 Purpose
- SUP App 2.4 Capital resources below guarantee fund
- SUP App 2.5 Capital resources below required margin of solvency
- SUP App 2.6 Capital resources below capital resources requirement
- 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 2.11 Submission of a scheme of operations or a plan for restoration
- SUP App 2.12 Content of a scheme of operations
- SUP App 2.13 Obligations on firms which have previously submitted a scheme of operations
- SUP App 2.14 Financial Recovery Plan
- SUP App 2.15 Run-off plans for closed with-profits funds
- SUP App 2.16 Regulatory intervention points for Lloyd's
-
SUP App 3 Guidance on passporting issues
- SUP App 3.1 Application
- SUP App 3.2 Purpose
- SUP App 3.3 Background
- SUP App 3.6 Freedom to provide services
- SUP App 3.9 Mapping of MiFID, Banking Consolidation Directive, UCITS Directive and Insurance Mediation Directive to the Regulated Activities Order
- SUP App 3.10 Mapping of Insurance Directives to the Regulated Activities Order
- SUP TP 1 Transitional provisions
- SUP Sch 1 Record keeping requirements
- SUP Sch 2 Notification 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 toFSA 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 FSA 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 7 Statement of policy on section 169(7) interviews
- 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 1.2 Consumer awareness rules
- DISP 1.3 Complaints handling rules
- DISP 1.4 Complaints resolution rules
- DISP 1.5 Complaints resolved by close of the next 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 1.11 The Society of Lloyd's
- DISP 1 Annex 1 Complaints return form
- DISP 1 Annex 1A Recommended metrics
- DISP 1 Annex 1B Complaints publication report
- DISP 1 Annex 2 Application of DISP 1 to type of respondent
-
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 2.4 To which activities does the Consumer Credit 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 July 2009
-
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
- 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 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 150 of the Act
- DISP Sch 6 Rules that can be waived
-
COMP Compensation
- COMP INTRO Introduction
- COMP 1 Introduction and Overview
- COMP 2 The FSCS
- COMP 3 The qualifying conditions for compensation
- COMP 4 Eligible claimants
- COMP 5 Protected claims
- COMP 6 Relevant persons in default
- COMP 7 Assignment 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 14 Participation by EEA Firms
- COMP 15 Special situations
- COMP 16 Disclosure requirements for firms that accept deposits
- 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
-
COAF Complaints against the FSA
- COAF 1 Complaints against the FSA
- COAF 2 Transitional complaints scheme
- COAF TP 1 Transitional Provisions
- COAF Sch 1 Record keeping requirements
- COAF Sch 2 Notification requirements
- COAF Sch 3 Fees and other required payments
- COAF Sch 4 Powers exercised
- COAF Sch 5 Rights of action for damages
- COAF Sch 6 Rules that can be waived
-
DISP Dispute Resolution: Complaints
-
Specialist sourcebooks
- BSOCS Building Societies sourcebook
-
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
- COLL 4 Annex 1 Total expense ratio calculation
- COLL 4 Annex 2 Portfolio turnover calculation
-
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 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 6.7 Payments
- COLL 6.8 Income: accounting, allocation and distribution
- COLL 6.9 Independence, names and UCITS business restrictions
- COLL 7 Suspension of dealings and termination of authorised funds
- COLL 8 Qualified investor schemes
- COLL 9 Recognised schemes
- 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
-
CRED Credit Unions
- CRED 1 Introduction
- CRED 2
- CRED 3 The FSA's Principles for Businesses
- CRED 4 Senior management arrangements, Systems and Controls
- CRED 5 Threshold conditions
- CRED 6 The Approved persons regime
- CRED 7 Investment and borrowing
- CRED 7A Shares and deposits
- CRED 8 Capital
- CRED 9 Liquidity
- CRED 10 Lending to members
- CRED 11 Conduct of business
-
CRED 13
- CRED 13.1 Application and purpose
- CRED 13.2 Introduction
- CRED 13.2A Use of name "credit union"
- CRED 13.3 What does registration mean?
- CRED 13.4 Process for registration
- CRED 13.5 What does authorisation involve?
- CRED 13.6 Process for Part IV permission
- CRED 13.7 Applying for approved persons status
- CRED 13 Annex 1 Requirements of Registration
- CRED 13 Annex 1A Common bond
- CRED 13 Annex 1B Section 1 of the Credit Unions Act 1979 (as amended)
- CRED 13 Annex 1C Qualifications approved by the FSA (and the Registry of Friendly Societies)
- CRED 13 Annex 2 Eligibility for membership of a credit union
-
CRED 14 Supervision
- CRED 14.1 The FSA's approach to supervision
- CRED 14.2 Information gathering by the FSA on its own initiative
- CRED 14.3 Auditors
- CRED 14.4 Skilled persons
- CRED 14.5 Applications to vary or cancel Part IV permission
- CRED 14.6 Individual requirements
- CRED 14.7 Waiver and modification of rules
- CRED 14.8 Individual guidance
- CRED 14.9 Notifications to the FSA
- CRED 14.10 Reporting requirements
- CRED 14 Annex 1 Accounts and audit - Friendly and Industrial and Provident Societies Act 1968
- CRED 15 Decision procedure, penalties and enforcement
-
CRED 17 Complaint handling procedures for credit unions
- CRED 17.1 Application and Purpose
- CRED 17.2 Internal complaint handling procedures: general requirements
- CRED 17.3 Eligible complainants
- CRED 17.4 Internal complaint handling procedures: additional requirements
- CRED 17.5 Time limits for dealing with a complaint
- CRED 17.6 Record Keeping and Reporting
- CRED 17.7 Cooperation by credit unions with the Ombudsman
- CRED 17 Annex 1 Credit union complaints return
- CRED App 1 Contents of the Handbook
- CRED App 2 The Credit Unions sourcebook
- CRED TP 1 Transitional provisions
- CRED Sch 1 Record keeping requirements
- CRED Sch 2 Notification requirements
- CRED Sch 3 Fees and other required payments
- CRED Sch 4 Powers exercised
- CRED Sch 5 Rights of actions for damages
- CRED Sch 6 Rules that can be waived
- CRED Sch 7 [Deleted]
-
ELM Electronic Money
- ELM 1 Application, contents, purpose and general
- ELM 2 Initial and continuing own funds requirements
- ELM 3 Management of the e-money float
- ELM 4 Limitations on activities
- ELM 5 Systems and controls; Rules for making calculations
-
ELM 6 Redemption, information requirements and purse limits
- ELM 6.1 Application
- ELM 6.2 Purpose
- ELM 6.3 Duty to redeem
- ELM 6.4 Exceptions to the duty to redeem
- ELM 6.5 Methods of redemption
- ELM 6.6 Charges for redemption
- ELM 6.7 Terms of redemption
- ELM 6.8 Information
- ELM 6.9 Purse limits and warnings on cards
- ELM 6.10 Establishing to what e-money ELM 6 applies
- ELM 7 Consolidated financial supervision
-
ELM 8 Small e-money issuers
- ELM 8.1 Application
- ELM 8.2 Purpose
- ELM 8.3 Introduction
- ELM 8.4 The conditions for giving a small e-money issuer certificate
- ELM 8.5 Application for a small e-money issuer certificate
- ELM 8.6 Revocation of a small e-money issuer certificate
- ELM 8.7 Provision of information
- ELM 8 Annex 1 Small E-Money Issuer Certificate
- ELM 8 Annex 2 FORM ELM-SI Provision of information from a small electronic money issuer
- ELM TP 1 Transitional Provisions
- ELM Sch 1 Record keeping requirements
- ELM Sch 2 Notification requirements
- ELM Sch 3 Fees and other required payments
- ELM Sch 4 Powers exercised
- ELM Sch 5 Rights of action for damages
- ELM Sch 6 Rules that can be waived
-
PROF Professional Firms
- PROF 1 Professional firms
- PROF 2 Status of exempt professional firm
- PROF 3 The FSA's duties and powers
- PROF 4 Disclosure
- PROF 5 Non-mainstream regulated activities
- PROF 7 Insurance mediation 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
- 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 Series issuance notification form
- RCB 4 Enforcement powers
- RCB 5 Fees
- 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 and Recognised Clearing Houses
- 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 2.5 Systems and controls and conflicts
- REC 2.5A Guidance on Public Interest Disclosure Act: Whistleblowing
- REC 2.6 General safeguards for investors, provision of pre and post-trade information about share trading and suspension and removal of financial instruments from trading
- REC 2.7 Access to facilities
- REC 2.8 Settlement and clearing 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 (UK RIEs only)
- 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
- REC 2.17 Recognition requirements relating to the default rules of UK recognised bodies
-
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 Key individuals and internal organisation
- REC 3.5 Disciplinary action and events relating to key individuals
- 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 regulated market or MTF
- 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 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
- REC 4.2B Exercise of passport rights by a UK RIE
- REC 4.2C Control over a UK RIE
- REC 4.2D Suspension and removal of financial instruments from trading
- REC 4.2E Information: compliance of UK RIEs with the MiFID Regulation
- REC 4.3 Risk assessments for UK recognised bodies
- REC 4.4 Complaints
- REC 4.5 FSA supervision of action by UK recognised bodies under their default rules
- REC 4.6 The section 296 power to give directions
- REC 4.7 The section 297 power to revoke recognition
- REC 4.8 The section 298 procedure
- REC 5 Applications for Recognition (UK recognised bodies)
-
REC 6 Overseas Investment Exchanges and Overseas Clearing Houses
- REC 6.1 Introduction and legal background
- REC 6.2 Applications
- REC 6.3 Recognition requirements
- REC 6.4 Competition scrutiny
- REC 6.5 FSA decision on recognition
- REC 6.6 Supervision
- REC 6.7 Notification rules for overseas recognised bodies
- REC 6.8 Powers of direction and revocation of recognition orders
- REC 6A EEA market operators in the United Kingdom
- REC TP 1 Transitional provisions
- REC Sch 1 Record keeping requirements
- REC Sch 2 Notification requirements
- REC Sch 3 Fees and other required payments
- REC Sch 4 Powers exercised
- REC Sch 5 Rights of action for damages
- REC Sch 6 Rules that can be waived
-
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: All securities
- LR 6 Additional requirements for premium listing (commercial company)
- LR 7 Listing Principles: Premium listing
- 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, statement of dividends and half-yearly reports
- LR 9.8 Annual financial report
- LR 9 Annex 1 THE MODEL CODE (R)
- 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
- 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 App 1 Relevant definitions
- LR App 2 Fees and financial penalty income
- LR App 3 List of Regulatory Information Services
- 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 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
-
PR Prospectus Rules
- PR 1 Preliminary
- PR 2 Drawing up the prospectus
- PR 3 Approval and publication of prospectus
- PR 4 Use of languages and third country issuers
- PR 5 Other provisions
- PR App 1 Relevant definitions
- PR App 3 Schedules and Building Blocks and Table of Combinations of Schedules and Building Blocks
- PR TR Transitional Provisions
- PR Sch 1 [to follow]
- PR Sch 2 [to follow]
- PR Sch 3 [to follow]
- PR Sch 4 Powers exercised
- PR Sch 5 [to follow]
- PR Sch 6 Rules that can be waived
-
DTR Disclosure Rules and Transparency Rules
- DTR 1 Introduction
- DTR 1A Introduction (Transparency rules)
- DTR 1B Introduction (Corporate governance)
- 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 Non EEA State issuers
- DTR 6 Continuing obligations and access to information
- DTR 7 Corporate governance
- 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
-
LR Listing Rules
- Handbook Guides
-
Regulatory Guides
-
BSOG The Building Societies Regulatory Guide
- BSOG 1 Introduction to the building societies regulatory guide
-
BSOG 1A Applications for the Right to Obtain Access to the Registers of Members of Building Societies
- BSOG 1A.1 Introduction
- BSOG 1A.2 Registers of members
- BSOG 1A.3 Statutory framework
- BSOG 1A.4 Making an application
- BSOG 1A.5 Considering an application
- BSOG 1A.6 Oral hearings
- BSOG 1A.7 Deciding an Application
- BSOG 1A Annex 1 Extract from the 1986 Act
- BSOG 1A Annex 2 Application for the right to obtain access to the register of members of a building society
-
BSOG 2 Merger Procedures
- BSOG 2.1 Introduction
- BSOG 2.2 Preliminary matters
- BSOG 2.3 Information Provided To Members
- BSOG 2.4 General Meetings and Resolutions
- BSOG 2.5 Confirmation
- BSOG 2.6 Transfer Of Engagements Under Direction
- BSOG 2.7 Registration And Dissolution
- BSOG 2.8 Timetable
- BSOG 2 Annex 1 Pro forma merger document
- BSOG 2 Annex 2A Publication of Notice of application to the Authority for confirmation of an amalgamation or transfer of engagements in the London, Edinburgh, or Belfast Gazettes and in any newspapers as may be directed by the Authority
- BSOG 2 Annex 2B Form of application to the Authority for confirmation of an amalgamation
- BSOG 2 Annex 2C Form of application to the Authority for confirmation of transfer of engagements (transferor society)
- BSOG 2 Annex 2D Form of application to the Authority for confirmation of a transfer of engagements (transferee society)
- BSOG 2 Annex 3 Index to chapter 2
- BSOG 2 Annex 4 Merger Confirmation Procedures
-
BSOG 3 Transfer Procedures
- BSOG 3.1 Introduction
- BSOG 3.2 Preliminary Matters
- BSOG 3.3 Terms of a Transfer
- BSOG 3.4 Information provided to Members
- BSOG 3.5 General Meetings and Resolutions
- BSOG 3.6 Confirmation
- BSOG 3.7 Transfers under Direction
- BSOG 3.8 Notification and Dissolution
- BSOG 3.9 Timetable
- BSOG 3 Annex 1 Transfer Document
- BSOG 3 Annex 2 Pro forma
- BSOG 3 Annex 2A Notice of Application
- BSOG 3 Annex 2B Application to the Authority for confirmation
- BSOG 3 Annex 3 Index
- BSOG 3 Annex 4 Transfer Confirmation Procedures
- COLLG The Collective Investment Scheme Information Guide
- CRAG The Credit Rating Agencies Guide
- EG The Enforcement Guide
-
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 2.5 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 What to do now ?
- PERG 2 Annex 1 Authorisation and regulated activities
- PERG 2 Annex 2 Regulated activities and the permission regime
- PERG 3 Guidance on the scope of the regulated activity of issuing e-money
-
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 4.5 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 4.11 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
- PERG 4.18 Regulated activities related to mortgages: flowchart
-
PERG 5 Guidance on insurance mediation 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 mediation'
- 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 8.8 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 8.17A Financial promotions concerning insurance mediation 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 8.31 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 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 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 13 Guidance on the scope of the Markets in Financial Instruments Directive and the recast Capital Adequacy Directive
- 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 The recast Capital Adequacy Directive
- PERG 13.7 The territorial application of MiFID
- PERG 13 Annex 1 Annex 1
- PERG 13 Annex 2 Annex 2
- PERG 13 Annex 3 Annex 3
- PERG 13 Annex 4 Principal Statutory Instruments relating to MiFID scope issues
-
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 2009
- 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 arrangements
- PERG 15 Annex 1
- PERG 15 Annex 2 Payment Services in Schedule 1 Part 1 to the PSD regulations
- PERG 15 Annex 3 Schedule 1 Part 2 to the PSD regulations: Activities which do not constitute payment services
- RPPD The Responsibilities of Providers and Distributors for the Fair Treatment of Customers
- UNFCOG The Unfair Contract Terms Regulatory Guide
-
BSOG The Building Societies Regulatory Guide
- Glossary