Financial Regulations

Mortgage Prisoners: FCA MCOB 11.9 Rules and Your Rights Explained

Mortgage prisoners cannot remortgage despite paying on time. FCA MCOB 11.9 modified rules June 2022 -- eligibility, participating lenders and where to get support.

14 Jun 2026 View & bid →

MCOB 5: What Must a Mortgage Illustration (ESIS) Contain?

MCOB 5 requires a personalised mortgage illustration in ESIS format before you are bound. What it must contain and how to use APR to compare lenders.

14 Jun 2026 View & bid →

ICOBS 7.2: Can Your Home Insurer Cancel Your Policy Mid-Term?

Under ICOBS 7.2 insurers can only cancel mid-term with valid grounds and adequate notice. FCA rules on cancellation rights and how to challenge through the FOS.

14 Jun 2026 View & bid →

ICOBS 2.5: The Customer Best Interests Rule in Home Insurance Explained

ICOBS 2.5 requires insurers and brokers to act in your best interests. Consumer Duty supplements it. FCA rule explained with complaint rights and FOS escalation guide.

14 Jun 2026 View & bid →

ICOBS 4: What Must Your Home Insurer Tell You Before You Buy?

ICOBS 4 requires insurers to give you an IPID before purchase. What it must contain and your rights if it is not provided. Plain English FCA rule explanation.

14 Jun 2026 View & bid →

What Does FCA Regulated Mean? Plain English Guide to FCA Authorisation

FCA regulated means FCA-authorised under FSMA 2000. Plain English explanation of what protections this gives you -- FOS access, FSCS cover, Consumer Duty compliance.

14 Jun 2026 View & bid →

MCOB 13: What Your Mortgage Lender Must Do If You Miss a Payment

MCOB 13 requires lenders to treat mortgage arrears fairly -- repossession is a last resort. FCA rules on payment arrangements, debt advice referral and Pre-Action Protocol.

14 Jun 2026 View & bid →

FOS vs FSCS: Which Scheme Do You Use and When?

FOS vs FSCS: the FOS handles disputes with trading firms up to 430,000 pounds; FSCS covers insolvent firm claims at 90% with no upper limit. Key differences explained.

14 Jun 2026 View & bid →

FCA Vulnerable Customers: Your Rights Under Consumer Duty Explained

Consumer Duty Outcome 4 requires insurers to support vulnerable customers. FCA FG21/1 four vulnerability drivers explained and how to challenge inadequate support.

14 Jun 2026 View & bid →

FCA Fair Value in Home Insurance: Consumer Duty Outcome 2 Explained

Consumer Duty Outcome 2 requires insurers to prove fair value. How the FCA fair value test works for home insurance add-ons and bundled products, and how to challenge.

14 Jun 2026 View & bid →

FCA Register: How to Check If a Financial Firm Is Authorised

How to use the FCA Register at register.fca.org.uk: check Authorised status, verify FRN, understand Authorised vs Registered and check for enforcement actions.

14 Jun 2026 View & bid →

DISP 2.8: The 6-Month Financial Ombudsman Deadline Explained

DISP 2.8 sets the 6-month FOS deadline from the Final Response Letter date. Miss it and the FOS cannot accept your case. Plain English explanation of all FOS time limits.

14 Jun 2026 View & bid →

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Financial Regulations