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The FCA Consumer Duty sets the standard that firms should give to customers in retail financial markets and sets expectations that can be applied to products, services, and business models.
It's designed to guarantee that customers are at the heart of business practices. Providing products and services that meet their needs and communicating to customers in a way that enables them to make informed decisions about their finances.
We've detailed our target market and distribution strategy for each lifetime mortgage product. These product statements illustrate how we design, monitor, and review our products to ensure ongoing fair value and alignment with the financial objectives of consumers, including those who are vulnerable.
Advisers' main area of focus are the three cross-cutting rules of conduct set by the FCA. These outline how to deliver the best outcomes for customers.
Explore how acting honestly and openly is officially defined and why this impacts your firm's culture.
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Learn about how to keep customers' best interests at the forefront.
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Find out how you can empower customers to make informed decisions.
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Both advisers and lenders are accountable for good consumer outcomes and safeguarding customers. Like any other financial service, the equity release process must abide by the four outcomes.
Having won multiple industry awards for our support and service, we're acutely aware of the role we play in securing the best outcomes for our lifetime mortgage customers and we've appointed a Consumer Duty Champion at board level.
The FCA's Consumer Duty has set higher and clearer standards of consumer protection. We're committed to delivering the best outcomes for all our customers, whether supporting advisers directly or helping our customers achieve their financial goals.
Paul Carter, CEO
We've collated a variety of informative webinars in partnership with later-life sourcing experts, Advise Wise, and specialist speakers to help equity release advisers stay informed. Login to our portal to watch them, or register with us to gain exclusive access.
Hosted by John Lonen (Deloitte), Lyndsey Fallon (Deloitte) & Scott Burman (Pure)
The FCA's thematic on later life advice
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Hosted by Jane Mullan (Pure), John Somerville (LIBF) & Julie Pardy (Worksmart)
Personal Accountability and Record-Keeping to Mitigate Foreseeable Harm
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Hosted by Jane Mullan (Pure), Thomas Brett (Contact State) & Ryan Mansell (ERA)
Customers Come First: What Does Consumer Duty Mean for Your Service Offering?
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Hosted by Jane Mullan (Pure) & Simon Chalk (Later Living Now)
Consumer Duty and Vulnerable Customers: Are You Prepared?
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Hosted by Paul Carter (Pure), Ed Halliwel (Pure) & Daniel Edmondson (Advise Wise)
How Are Pure Retirement Embracing Consumer Duty
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Hosted by Ed Halliwell (Pure), Scott Burman (Pure), Jane Finnerty (SOLLA), Kelly Melville-Kelly (ERC)
Countdown to Consumer Duty: Talk to the Experts
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For more in-depth insight into how consumer duty impacts lifetime mortgages, you can call our team and even book in a personal visit to your offices.
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