FCA Regulation
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Navigate FCA Handbook rules, check the Financial Services Register, and research FOS decision precedent. Built for compliance officers, IFAs, and financial services firms.
9,330
Sections Indexed
100%
Embedded
Current
Freshness
5 Apr
Last Pipeline Run
About this specialist
10,163 indexed sections covering FCA Handbook sourcebooks (COBS, ICOBS, CONC, MCOB, SYSC, PRIN, SUP, DISP), Consumer Duty guidance (FG22/5 and PS22/9 with board reporting requirements), JMLSG AML Guidance Parts I and II (source-of-funds, customer due diligence, sector guidance for mortgage lending), Equity Release Council Standards 2.0, FCA Final Notices, and FCA Thematic Reviews including TR16/1 on protection gap obligations.
Every response references specific Handbook rules, Consumer Duty outcomes, or JMLSG chapter references. Built for mortgage brokers needing MCOB compliance, Consumer Duty evidence, and AML source-of-funds guidance for their file.
Data Sources
8 sourcebooks + Final Notices · 9,330 sections| Source | Status |
|---|---|
PRIN: Principles for Businesses handbook.fca.org.uk |
Live |
COBS: Conduct of Business handbook.fca.org.uk |
Live |
ICOBS: Insurance Conduct of Business handbook.fca.org.uk |
Live |
CONC: Consumer Credit handbook.fca.org.uk |
Live |
DISP: Dispute Resolution handbook.fca.org.uk |
Live |
SUP: Supervision Manual handbook.fca.org.uk |
Live |
SYSC: Senior Management Arrangements handbook.fca.org.uk |
Live |
MCOB: Mortgages & Home Finance handbook.fca.org.uk |
Live |
FCA Final Notices fca.org.uk · enforcement decisions archive |
Loaded |
See it in action
Example queries the FCA Regulation specialist will handle.
What are the COBS rules on suitability reports for pension transfers?
Pension transfer suitability is governed by COBS 9.4. A firm must assess the client’s knowledge and experience, financial situation, and investment objectives before making a personal recommendation to transfer a defined benefit pension.
For DB pension transfers, COBS 19.1.6R requires a firm to start from the assumption that a transfer is not suitable, and the suitability report must demonstrate why a transfer is in the client’s best interests. A transfer value analysis (TVAS) must be included.
COBS 9.4 | Suitability ReportsIs firm X authorised by the FCA for insurance mediation?
I’ve checked the Financial Services Register for firm X. Here are the results:
FRN: 123456
Firm X Ltd
Status: Authorised
Permissions include: Insurance mediation: general insurance, life policies
The firm is authorised and holds permissions for insurance mediation activities. You can verify this directly on the FS Register.
Ready to navigate FCA regulation with AI?
FCA Handbook rules, FS Register lookups, and FOS decision precedent. Built for compliance officers, IFAs, and financial services firms.