MCOB - Disclosures
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30 Minutes -
For all staff
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UK
MCOB disclosure rules apply to firms involved in home finance transactions and govern what customers must be told and when. This 30-minute course identifies the disclosure rules that apply at the pre-application, offer and after-sales stages, and covers the 2023 amendments to MCOB, particularly those relating to the new affordability provisions.
Disclosure failures are systematic rather than individual: once a template or a process step is wrong, every customer through it is affected. That makes remediation expensive and highly visible to the FCA. Training the staff who design journeys and produce documentation alongside those who deliver them catches problems at the point where fixing them costs one change rather than thousands.
What you’ll learn in
this course
- Identify the disclosure rules that apply at the pre-application, offer and after-sales stages
- Understand the 2023 amendments to MCOB, particularly those related to the new affordability assessment exemptions for mortgage variations
- Recognise when illustrations are required, and what their format and content should be
- Identify the information that must be provided in annual statements and as a result of specific events
- Explain the rules on record keeping in respect of disclosures
Hear from our customers
Feefo Customer Rating ★★★★★ 4.9/5
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