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Related provisions for CONC 5.3.3

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Consumer credit activities (2)
Loans (2)
Authorised persons (1)
Mortgages and home finance (1)
United Kingdom (1)
Misleading statements and practices (1)
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Agents (1)

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To access the FCA Handbook Archive choose a date between 1 January 2001 and 31 December 2004 (From field only).

CONC 5.3.1G01/04/2014

(1) In making the creditworthiness assessment or the assessment required by CONC 5.2.2R (1), a firm should take into account more than assessing the customer's ability to repay the credit. [Note: paragraph 4.2 of ILG](2) The creditworthiness assessment and the assessment required by CONC 5.2.2R (1) should include the firm taking reasonable steps to assess the customer's ability to meet repayments under a regulated credit agreement in a sustainable manner without the customer incurring

CONC 3.3.4G01/04/2014

(1) A firm's trading name, internet address or logo, in particular, could fall within CONC 3.3.3 R. [Note: paragraph 5.2 (box) of ILG](2) If credit is described as pre-approved, in accordance with CONC 3.5.12 R the provision of the credit should be free of any conditions regarding the customer's credit status, and the lender or, in relation to a P2P agreement the operator of an electronic system in relation to lending, should have carried out the required assessment under CONC