About your promotion
Tell us about the promotion so we can tailor the compliance checks to the correct FCA regime.
This tool focuses on retail customer promotions, including consumer credit (CONC) requirements.
About the Financial Promotions Quick Guidance Tool
Financial promotions are one of the most common sources of FCA enforcement action. Getting it wrong can result in significant fines, reputational damage, and regulatory intervention.
This tool provides media-neutral pre-clearance guidance across all channels and product types, helping you ensure compliance before publication. It covers:
- Regime-specific requirements: CONC (credit), COBS (investments), ICOBS (insurance), MCOB (mortgages)
- Generic rules: Clear, fair, not misleading (PRIN 7 and Consumer Duty)
- Channel-specific guidance: Social media character limits, font sizes for print, display times for TV
- Approval requirements: Internal sign-off and FCA-authorised approver checks
Remember: This tool provides guidance to support your compliance process, but does not replace formal compliance approval. All financial promotions should be reviewed and approved by a competent compliance officer before publication.
Common Mistakes to Avoid
- • Risk warnings buried in small print or behind click-throughs
- • Overemphasizing potential returns without balancing with risks
- • Social media posts that don't include warnings due to character limits
- • Unauthorised firms promoting to retail customers without FCA-authorised approval
- • Misleading comparison rates or cherry-picked performance periods
Need Financial Promotion Review?
Our team can review your financial promotions, provide approval for unauthorised firms, and implement robust approval processes.
Book Free Consultation →