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How can firms assess the value of products and services?
The price and value outcome of the FCA’s new Consumer Duty, focusses on ensuring that products and services offer fair value to consumers. For insurance products (as opposed to services), this is an existing insurance sector requirement following the FCA’s…
The Consumer Duty – it’s all about the outcomes…
The Consumer Duty is the FCA’s flagship piece of regulation that is currently underpinning most of what the FCA is doing. It is focussing significantly on outcomes. Speaking of outcomes, I am reminded about a speech that Charles Randell, the then Chair of…
Improvements to the Appointed Representatives regime – new and updated template documents
The Financial Conduct Authority’s new rules to make authorised firms more responsible for their Appointed Representatives (ARs) and Introducer Appointed Representatives (IARs) come into force on 8th December. Our August 2022 Hot TopICS covered the new…
Multi-occupancy residential buildings insurance – a long-standing issue under current scrutiny
Following the Government’s request for an investigation to focus on premium increases and market competition, the FCA has set out a range of recommendations in an interim report designed to provide leaseholders with greater protection from high prices and to…
The FCA sets out to reform multi-occupancy buildings insurance
The FCA has set out a range of recommendations designed to provide leaseholders with greater protection from high prices and to ensure the multi-occupancy buildings insurance market operates more effectively. It has published a brief web page, in addition to…
The FCA sets out its required improvements to the AR regime
Appointed Representatives are not regulated by the FCA, so it is Principal firms’ responsibility to ensure that their ARs comply with the rules. The FCA has said that, whilst some Principal firms do this effectively, many do not have adequate oversight of…
