Compensation Information for Investment Promotions
Length: 23 Pages
Applies to: Investment Firms
Fully Customisable COBS 4.4 Guide – Compensation Information in Financial Promotions
Get a fully editable COBS 4.4 – Compensation Information Guide, designed to help investment firms meet the FCA’s disclosure obligations for financial promotions involving compensation schemes. Aligned with COBS 4.4.1R–4.4.4G, this guide focuses on when and how to inform retail clients about their compensation eligibility (or ineligibility) under the Financial Services Compensation Scheme (FSCS), ensuring full regulatory alignment and transparency.
The guide explains the FCA’s requirements for including clear, prominent, and contextualised compensation information in financial promotions, particularly where services or products fall outside the FSCS’s scope. It covers the different expectations depending on whether the firm is communicating with eligible claimants, high-net-worth clients, or non-UK customers, and includes guidance on clarifying exclusions and cross-border limitations.
It includes best-practice examples for wording, placement of FSCS disclaimers, and formatting tips to maintain fairness and clarity across various media types—digital, print, video, and mobile platforms. The guide also helps firms build internal processes for ensuring that compliance teams review all FSCS-related messaging before promotion approval, with additional instructions on keeping customer understanding front of mind.
A unique feature of this guide is its section on aligning compensation disclosures with Consumer Duty expectations, specifically how firms can avoid foreseeable harm and support informed decision-making. It includes compliance checklists, risk flags for high-risk product disclosures, and cross-references to relevant SYSC and PRIN rules.
This Microsoft Word guide is instantly downloadable and fully editable. It is ideal for investment firms, IFAs, platform providers, compliance teams, and financial marketers. It saves time while enabling firms to ensure that all promotional content that references FSCS protection is accurate, compliant, and clearly understood by clients, thereby strengthening trust and reducing regulatory risk.
Length: 23 Pages
Applies to: Investment Firms
Fully Customisable COBS 4.4 Guide – Compensation Information in Financial Promotions
Get a fully editable COBS 4.4 – Compensation Information Guide, designed to help investment firms meet the FCA’s disclosure obligations for financial promotions involving compensation schemes. Aligned with COBS 4.4.1R–4.4.4G, this guide focuses on when and how to inform retail clients about their compensation eligibility (or ineligibility) under the Financial Services Compensation Scheme (FSCS), ensuring full regulatory alignment and transparency.
The guide explains the FCA’s requirements for including clear, prominent, and contextualised compensation information in financial promotions, particularly where services or products fall outside the FSCS’s scope. It covers the different expectations depending on whether the firm is communicating with eligible claimants, high-net-worth clients, or non-UK customers, and includes guidance on clarifying exclusions and cross-border limitations.
It includes best-practice examples for wording, placement of FSCS disclaimers, and formatting tips to maintain fairness and clarity across various media types—digital, print, video, and mobile platforms. The guide also helps firms build internal processes for ensuring that compliance teams review all FSCS-related messaging before promotion approval, with additional instructions on keeping customer understanding front of mind.
A unique feature of this guide is its section on aligning compensation disclosures with Consumer Duty expectations, specifically how firms can avoid foreseeable harm and support informed decision-making. It includes compliance checklists, risk flags for high-risk product disclosures, and cross-references to relevant SYSC and PRIN rules.
This Microsoft Word guide is instantly downloadable and fully editable. It is ideal for investment firms, IFAs, platform providers, compliance teams, and financial marketers. It saves time while enabling firms to ensure that all promotional content that references FSCS protection is accurate, compliant, and clearly understood by clients, thereby strengthening trust and reducing regulatory risk.
Length: 23 Pages
Applies to: Investment Firms
Fully Customisable COBS 4.4 Guide – Compensation Information in Financial Promotions
Get a fully editable COBS 4.4 – Compensation Information Guide, designed to help investment firms meet the FCA’s disclosure obligations for financial promotions involving compensation schemes. Aligned with COBS 4.4.1R–4.4.4G, this guide focuses on when and how to inform retail clients about their compensation eligibility (or ineligibility) under the Financial Services Compensation Scheme (FSCS), ensuring full regulatory alignment and transparency.
The guide explains the FCA’s requirements for including clear, prominent, and contextualised compensation information in financial promotions, particularly where services or products fall outside the FSCS’s scope. It covers the different expectations depending on whether the firm is communicating with eligible claimants, high-net-worth clients, or non-UK customers, and includes guidance on clarifying exclusions and cross-border limitations.
It includes best-practice examples for wording, placement of FSCS disclaimers, and formatting tips to maintain fairness and clarity across various media types—digital, print, video, and mobile platforms. The guide also helps firms build internal processes for ensuring that compliance teams review all FSCS-related messaging before promotion approval, with additional instructions on keeping customer understanding front of mind.
A unique feature of this guide is its section on aligning compensation disclosures with Consumer Duty expectations, specifically how firms can avoid foreseeable harm and support informed decision-making. It includes compliance checklists, risk flags for high-risk product disclosures, and cross-references to relevant SYSC and PRIN rules.
This Microsoft Word guide is instantly downloadable and fully editable. It is ideal for investment firms, IFAs, platform providers, compliance teams, and financial marketers. It saves time while enabling firms to ensure that all promotional content that references FSCS protection is accurate, compliant, and clearly understood by clients, thereby strengthening trust and reducing regulatory risk.