Investments (COBS Rules)

Check and Demonstrate Your Firm's Compliance Against Each COBS Requirement:

  • Financial Promotions Assurance: Verify that promotions related to structured deposits meet FCA standards, including rationale on why clear, fair communications prevent misleading clients and align with regulatory expectations for trust-building.

  • Client Categorisation Validation: Document correct classification of clients as retail, professional, or eligible counterparties, with insights highlighting why proper notifications and assessments protect client rights and enable tailored protections to minimise disputes.

  • Suitability Assessment Confirmation: Verify gathering of client information for recommendations, explaining why aligning with risk tolerance and financial capacity ensures suitable advice, mitigates harm, and fosters long-term client relationships.

  • Best Execution Policy Tracking: Confirm implementation of an order execution policy with client consent, underscoring why prioritising factors like price and venues delivers optimal results, demonstrates diligence, and enhances competitive edge.

  • Inducements and Conflicts Management: Document rules for personal account dealing and inducements, with guidance on why transparent policies prevent biases, uphold client best interests, and safeguard against enforcement actions.

  • Product Information Provision: Verify timely disclosure of risks, costs, and services, highlighting why comprehensible information enables informed decisions, complies with MiFID provisions, and reduces complaint volumes.

  • Pension Transfer Safeguards: Confirm assessments for pension transfers, including rationale on why suitability checks and risk warnings protect vulnerable clients from unsuitable decisions and avoid pension scams.

  • Record-Keeping Assurance: Document retention of suitability and transaction records, explaining why accurate, long-term storage supports audits, regulatory scrutiny, and swift resolution of queries.

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