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Financial promotion definition

What does Financial promotion mean? A financial promotion is any communication made in the course of business that invites or persuades a person to engage in investment activity, such as buying or selling investments, opening investment accounts or subscribing to investment services. In the UK, the term and its restriction are set by the financial services and markets act 2000 (FSMA), especially section 21, and detailed in the Financial Promotion Order 2005 (FPO) and FCA rules. A person who is not authorised by the FCA must not communicate a financial promotion unless an authorised firm has approved it or an FPO exemption applies....

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UK mortgage and home finance financial promotions and communications: FCA MCOB 3A/3B rules, MCD requirements, scope, exemptions and record-keeping

Practice notes
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This Practice Note outlines the regime governing financial promotions and wider communications concerning regulated mortgage contracts (RMCs), home purchase plans (HPPs), home reversion plans (HRPs) and regulated sale and rent back agreements (SRBAs) — together described as home finance transactions — as contained in the Financial Conduct Authority’s (FCA) Mortgages and Home Finance: Conduct of Business sourcebook (MCOB), with particular focus on MCOB 3A and MCOB 3B. For guidance on other parts of MCOB, see Practice Notes: Mortgage and home finance conduct of business: application and general requirements, Mortgage and home finance conduct of business—distribution and disclosure requirements and Mortgage and home finance conduct of business—responsible lending, charges and arrears requirements.

Application of MCOB 3A

MCOB 3A covers the making or approval of any financial promotion that concerns qualifying credit.

Definitions

‘Financial promotion’ means an invitation or inducement to enter into investment activity or to undertake claims management activity that is communicated in the course of business...

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Web page updated on 22/05/2026

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Date [ date ] Parties [ name of Landlord ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Landlord) [ name of Tenant ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Tenant) [ [ name of Guarantor ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Guarantor) ] [ [ name of Mortgagee ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Mortgagee) ] Definitions Within this Deed, the terms below shall be interpreted as follows: [ Annual Rent • the annual sum reserved under the Lease; ] [ Insurance Rent • the Tenant’s share of the Landlord’s costs of insuring the Property (as set out in the Lease); ] Lease • the lease of the Property dated [ date ], entered into between (1) [ the Landlord OR [ name ...

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