Regulations

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 →

Ofgem Energy Supplier Obligations: What Your Supplier Must Do Under UK Rules

What energy suppliers must do under Ofgem licence conditions: price cap compliance, 8-week complaint response, Priority Services Register and Energy Ombudsman participation.

14 Jun 2026 View & bid →

Ofgem Energy Price Cap Explained: Unit Rates, Standing Charges and Who It Covers

Ofgem price cap explained: quarterly unit rate maximums on default tariffs, what it does and does not cap, fixed tariff comparison and supplier overcharging rights.

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 →

MCOB 11: What Affordability Checks Must a Mortgage Lender Do?

MCOB 11 requires mortgage lenders to verify income, assess all expenditure and stress test repayments before approving a mortgage. Plain English explanation of FCA rules.

14 Jun 2026 View & bid →

MCOB 2: Can Your Mortgage Lender Force You to Use Their Buildings Insurance?

MCOB 2.6A prohibits mortgage lenders from forcing you to use their buildings insurance. Plain English explanation of your rights and how to arrange your own cover.

14 Jun 2026 View & bid →

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Regulations