Subjects:

Banking and Finance

Contents:

Part 1 - Introduction

Chapter 1 - FSA's High Level Standards

Chapter 2 - Approved Persons Regime

Chapter 3 - Training & Competence

Chapter 4 - Supervision

Chapter 5 - Discipline & Enforcement

Part 2 - Transactional issues

Chapter 6 - Conduct of Business

Chapter 7 - Post Conduct Disclosure

Chapter 8 - Financial Promotions

Chapter 9 - Responsible Lending

Chapter 10 - APR and Charges

Chapter 11 - Life time Mortgages

Chapter 12 - Customer Complaints

Glossary

Index

The FSA will be regulating residential mortgages and advice relating to which mortgage product consumers should enter into from 31 October 2004. FSA regulation will affect not only lenders but also to those who advise on mortgages and by extension are involved in the selling process of a mortgage.

Mortgage Regulation for Intermediaries aims to deal with the period following Mortgage Day and how to survive FSA regulation as it effects the mortgage selling process. This practical guide focuses on the transactional aspects, such as how to deal with a customer at a first meeting; when the broker can take fees; how to deal with client money and how to manage the sales and advertising process. To support these aspects it includes checklists and flow charts. The book also covers the future for non-regulated mortgages and equity release products.