Q: What does this page contain?
A: Requirements in the FSA Handbook relevant to a mortgage intermediary whose only regulated activities are mortgage mediation activities in relation to regulated mortgage contracts.

Q: What if I am carrying on other regulated activities?
A: If you are carrying out insurance mediation activities, you need to refer to the Tailored Handbook for Insurance Intermediaries. If you are carrying on other regulated activities, or communicating/approving financial promotions relating to other investments, you need to refer to the main Handbook.

Q: Which sections of the Handbook apply to mortgage intermediaries?
A: For a general introduction to the requirements relevant to mortgage intermediaries, use our Guide to the FSA Handbook for Small Mortgage and Insurance Intermediaries

Q: Is there anything else I need to refer to?
A: These requirements were last updated on 31 January 2005. This site will be updated on a regular basis to take account of new legal instruments. There are links to important background information at the bottom of this page.

Block	Sourcebook or Manual	FAQs and other information
High Level Standards the standards applying to all firms and approved persons	Principles for Businesses the fundamental obligations of all firms under the regulatory system
	Senior Management Arrangements, Systems and Controls the responsibilities of directors and senior management	FAQs
	Threshold Conditions the minimum standards for becoming and remaining authorised
	Statements of Principle and Code of Practice for Approved Persons the fundamental obligations of approved persons	Factsheet: Becoming an approved person
	The Fit and Proper Test for Approved Persons the minimum standards for becoming and remaining an approved person	Factsheet: Becoming an approved person
	General Provisions interpreting the Handbook, fees, approval by the FSA, emergencies, status disclosure and the FSA logo	FAQs about disclosure of authorised and regulated status and the use of FSA logo
Business Standards the detailed requirements relating to firms’ day-to-day business	Mortgages: Conduct of Business the requirements applying to firms with mortgage business customers	Corrections to MCOB Sample combined initial disclosure document Templates for IDD/CIDDs General Waiver on MCOB 6.4.4R (10) General Waivers for third party processors Examples of disclosure documents Examples of business lending disclosure documents Sample Telesales Calls FAQs Business Loans FAQs
	Prudential Sourcebook the prudential and notification requirements	FAQs Proposed corrections to the Authorisation manual, the Supervision manual and the Prudential sourcebook as at June 2004 Example of a subordinated loan agreement for a firm which is an insurance or a mortgage intermediary (or both) but not a mortgage lender or administrator (See PRU 9.3)
	Training and Competence the commitments and requirements concerning staff competence	FAQs PS04/10: Amendments to the Training and Competence sourcebook: Feedback on CP194
Regulatory Process the manuals describing the operation of the FSA’s authorisation, supervisory and disciplinary functions	Authorisation (perimeter guidance)	Factsheet: Becoming an authorised firm PS 180: Fees for mortgage firms and insurance intermediaries Important information about application fees Applying For Authorisation PS192: Further consultation on fees for mortgage firms and insurance intermediaries - Feedback and made text from CP192 FAQs Proposed corrections to the Authorisation manual, the Supervision manual and the Prudential sourcebook as at June 2004
	Supervision supervisory provisions including those relating to waivers, individual guidance, notifications and reporting	PS04/8: Regulatory reporting – a new integrated approach: Feedback on CP198 and made text PS04/9: Reporting requirements for mortgage, insurance and investment firms, and audit requirements for insurance intermediaries - Feedback on CP197 and made text Factsheet: Becoming an appointed representative Factsheet: Becoming an approved person FAQs Appointed Representatives FAQs Controlled Functions and Approved Persons FAQs Supervision manual & supervision of firms Proposed corrections to the Authorisation manual, the Supervision manual and the Prudential sourcebook as at June 2004 Technical information for firms that need to build systems to submit product sales data electronically
Redress the processes for handling complaints and compensation	Dispute Resolution: Complaints the detailed requirements for handling complaints.	FAQs
	Compensation the rules governing exemption from the Financial Services Compensation Scheme.	PS04/21 Regulatory fees relating to mortgage and insurance mediation regulation FAQs
Specialist Sourcebooks requirements applying to individual business sectors	E-Commerce Directive requirements for firms providing financial services by electronic means
Glossary	Glossary of Definitions the meaning of defined terms used in the Handbook

Background information

In this tailored Handbook, the FSA has included all the requirements in the Handbook (other than fee and levy rules) for a firm whose only regulated activities are mortgage mediation activities in relation to regulated mortgage contracts. The FSA has therefore omitted chapters, sections and individual rules which do not apply to such a firm. The FSA has also omitted guidance which such a firm will not need in running its business day-to-day. However, if you are an authorised professional firm you should also refer to IPRU(INV) (in relation to PII and capital resources) and (more generally) to PROF.

Click on these links for:

• all of the FSA's policies and procedures for Authorisation, Supervision, Enforcement, Decision making and Complaints against the FSA



• the full Compensation scheme arrangements



• the full Dispute resolution: complaints arrangements, including the Financial Ombudsman Scheme



• the rules relating to fees and levies (you will be informed in an invoice how much you have to pay)



• Reader's Guide

Complinet does not warrant the accuracy or completeness of the information contained in this tailored Handbook.

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Page Updated: 14-Jan-2005 | © Financial Services Authority