The Financial Conduct Authority (FCA) expects every authorised firm, such as ourselves, to build a culture which promotes fairness.

The FCA requires all firms to show consistently that fair treatment of customers is at the heart of their business model.

We agree, and consequently embrace the FCA’s six TCF outcomes in everything we do. These are:

Outcome 1: Consumers can be confident they are dealing with firms where the fair treatment of customers is central to the corporate culture.

Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.

Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.

Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances.

Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.

Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.

If you would like to know more about the FCA’s Treating Customers Fairly initiative, please do not hesitate to get in touch with us.