COBS - Appropriateness
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20 Minutes -
For all staff
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UK
COBS rules on appropriateness apply where firms deal with customer investments on an execution-only basis. This 20-minute course helps staff recognise what the appropriateness test is and when it must be applied, understand how appropriateness is assessed, and know how to proceed when a client does not pass the test but still wants to go ahead.
The awkward part is the second half: what happens after a warning is given and the client insists. Firms differ in practice and the records rarely show the reasoning. The FCA has looked closely at execution-only journeys for complex products. Training staff on the process end to end protects the customer and gives the firm a file that explains itself later.
What you’ll learn in
this course
- Recognise what the appropriateness test is and when it should be applied
- Understand how appropriateness is tested
- Understand how to proceed when the appropriateness test passes and when it fails
- Identify and apply the record-keeping requirements
Hear from our customers
Feefo Customer Rating ★★★★★ 4.9/5
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