FCA Handbook - ATCS 3.3 Action on receipt of cash access request

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ATCS 3.3 Action on receipt of cash access request

Acknowledging receipt

A designated person who undertakes cash access assessments under ATCS 4.1.1R(3) must promptly acknowledge receipt of a cash access request it receives, and at the same time provide the cash access requester with the following information:

(1)
confirmation of whether or not the cash access request has triggered the requirement to undertake a cash access assessment;
(2)
if it has not triggered the requirement, an explanation of why not;
(3)
if it has triggered the requirement:
1. (a)
  confirmation that it will be undertaking a cash access assessment;
2. (b)
  an estimated timeframe for completion;
3. (c)
  how the cash access requester can find out the outcome; and
4. (d)
  how the cash access requester can ask for a review in accordance with ATCS 9; and
(4)
contact details for any other designated person who will be undertaking a cash access assessment as a result of the cash access request.

Communications procedures

Designated persons who undertake cash access assessments under ATCS 4.1.1R(3) must establish, implement and maintain effective and transparent procedures for the handling of communications received from a cash access requester.

The procedures referred to in ATCS 3.3.2R should:

(1)
recognise that communications can be sent by the cash access requester by any reasonable means; and
(2)
ensure that the designated person responds to any such communications promptly.

(1)
A cash access request must reference an address, street or retail area. This ensures that cash access requests are directed at local community issues, and that a designated person undertaking a cash access assessment as a result can identify the local area they need to consider in the assessment. Where the cash access request has sought to reference an address, street or retail area but further clarification is needed, this should be sought from the cash access requester. This should be done prior to any notification under ATCS 3.3.6R.
(2)
A cash access request may be withdrawn. See ATCS 4.1.16R and ATCS 4.1.17G for further details.

Where a designated firm receives a cash access request which should have been submitted to a designated coordination body in accordance with ATCS 3.1.2R, it must promptly provide the cash access requester with contact details for the designated coordination body.

Notification of receipt of cash access requests

When a designated person who undertakes cash access assessments under ATCS 4.1.1R(3) receives a cash access request, it must promptly give a copy to:

(1)
any designated coordination body; and
(2)
any non-participating designated firm.

(1)
ATCS 3.3.6R does not apply to receipt of a cash access request by a designated firm who does not undertake cash access assessments under ATCS 4.1.1R(3). In those circumstances, the designated firm must comply with ATCS 3.3.5R.
(2)
Where all designated firm s participate in the cash access coordination arrangements of one designated coordination body which undertakes cash access assessments under ATCS 4.1.1R(3) for them, there is no one to notify under ATCS 3.3.6R.

The impact of the time it takes to obtain clarification from the cash access requester in the circumstances set out in ATCS 3.3.4G will be taken into account in considering the timing of any notification under ATCS 3.3.6R.

Where notification has been given by a designated person under ATCS 3.3.6R and the cash access requester withdraws their cash access request in accordance with ATCS 4.1.16R at any time before the cash access assessment is completed, the designated person must promptly give notification of the withdrawal in writing to any persons set out in ATCS 3.3.6R.