The Full Handbook

Information on all FSA Handbook products can be found at: www.sweetandmaxwell.co.uk/FSA

"IMPORTANT NOTICE:

The following instrument was made by the FSA Board on 28/07/2011 but Part 2 of the instrument has not been consolidated into the Handbook online:

2011/44 Capital Resources Requirements for Personal Investment Firms (Amendment) Instrument 2011

Part 1 has been consolidated and the instrument is also available in the Instruments section of the website. We will update this notice as soon as Part 2 of the instrument has been incorporated."

Block	Sourcebook or manual	Reference Code
Glossary terms used in the Handbook	Glossary the meaning of defined terms used in the Handbook	Glossary
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	PRIN
Senior Management Arrangements, Systems and Controls the responsibilities of directors and senior management	SYSC
Threshold Conditions the minimum standards for becoming and remaining authorised	COND
Statements of Principle and Code of Practice for Approved Persons the fundamental obligations of approved persons	APER
The Fit and Proper test for Approved Persons the minimum standards for becoming and remaining an approved person	FIT
Financial Stability and Market Confidence Sourcebook Provisions relating to financial stability, market confidence and short selling	FINMAR
Training and Competence the commitments and requirements concerning staff competence	TC
General Provisions interpreting the Handbook, fees, approval by the FSA, emergencies, status disclosure, the FSA logo and insurance against fines	GEN
Fees Manual the fees provisions for funding the FSA, FOS and FSCS	FEES
Prudential Standards The Prudential Standards Block sets out the prudential requirements for firms
Integrated Prudential sourcebook (31/12/2006 is the last day this material was in force) prudential requirements for insurers, groups, mortgage firms and insurance intermediaries and, in relation to liquidity risk, for banks, building societies and own account dealers	PRU
General Prudential sourcebook General Prudential Sourcebook for Banks, Building Societies, Insurers and Investment Firms	GENPRU
Prudential sourcebook for Banks, Building Societies and Investment Firms Prudential Sourcebook for Banks, Building Societies and Investment Firms	BIPRU
Prudential sourcebook for Insurers Prudential sourcebook for Insurers	INSPRU
Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries the prudential requirements for mortgage and home finance firms and insurance intermediaries	MIPRU
Prudential sourcebook for UCITS Firm the prudential requirements for UCITS firms	UPRU
Interim Prudential sourcebook for Banks (31/10/2010 is the last day this material was in force) the prudential and notification requirements for banks	IPRU-BANK
Interim Prudential sourcebook for Building Societies (30/09/2010 is the last day this material was in force) the prudential and notification requirements for building societies	IPRU-BSOC
Interim Prudential sourcebook for Friendly Societies the prudential and notification requirements for friendly societies	IPRU-FSOC
Interim Prudential sourcebook for Insurers the residual prudential and notification requirements for insurers	IPRU-INS
Interim Prudential sourcebook for Investment Businesses the prudential and notification requirements for investment firms	IPRU-INV
Business Standards the detailed requirements relating to firms' day-to-day business
Conduct of Business (31/10/2007 is the last day this material was in force) the requirements applying to firms with investment business customers	COB
Conduct of Business Sourcebook the conduct of business requirements applying to firms with effect from 1 November 2007	COBS
Insurance: Conduct of Business (05/01/2008 is the last day this material was in force) the requirements applying to firms with insurance business customers	ICOB
Insurance: Conduct of Business sourcebook the non-investment insurance conduct of business requirements	ICOBS
Mortgages and Home Finance: Conduct of Business sourcebook the requirements applying to firms with mortgage business customers	MCOB
Banking: Conduct of Business sourcebook	BCOBS
Client Assets the requirements relating to holding client assets and client money	CASS
Market Conduct Code of Market Conduct, Price stabilising rules, Inter-professional conduct, Endorsement of the Takeover Code, Alternative Trading Systems, what is acceptable market conduct and what is market abuse	MAR
Money Laundering (30/08/2006 is the last day this material was in force) the requirements for anti-money laundering systems and controls	ML
Regulatory Processes the manuals describing the operation of the FSA's authorisation, supervisory and disciplinary functions
Authorisation (to see AUTH derivations and destinations tables, go to Useful links) (30/12/2006 is the last day this material was in force) guidance on whether authorisation is needed, how to apply for it and related issues	AUTH
Supervision supervisory provisions including those relating to auditors, waivers, individual guidance, notifications and reporting	SUP
Enforcement (27/08/2007 is the last day this material was in force) details of the FSA's disciplinary and enforcement arrangements	ENF
Decision Procedure and Penalties Manual a description of the FSA's procedures for taking statutory notice decisions, the FSA's policy on the imposition and amount of penalties and the conduct of interviews to which a direction under section 169(7) of the Act has been given or the FSA is considering giving with effect from 28 August 2007	DEPP
Decision Making (27/08/2007 is the last day this material was in force) the FSA's decision-making processes	DEC
Redress the processes for handling complaints and compensation
Dispute Resolution: Complaints the detailed requirements for handling complaints and the Financial Ombudsman Service arrangements	DISP
Compensation the rules governing eligibility under, and levies for, the Financial Services Compensation Scheme	COMP
Complaints against the FSA details of the scheme for handling complaints against the FSA	COAF
Specialist sourcebooks requirements applying to individual business sectors
Building Societies sourcebook guidance for building societies	BSOCS
Collective Investment Schemes (11/02/2007 is the last day this material was in force) requirements for collective investment schemes	CIS
Collective Investment Schemes requirements for collective investment schemes (replaced CIS)	COLL
Credit Unions (07/01/2012 is the last day this material was in force) requirements applying to credit unions	CRED
Credit Unions New sourcebook requirements applying to credit unions	CREDS
Electronic Commerce Directive (31/10/2007 is the last day this material was in force) requirements for firms providing financial services by electronic means	ECO
Electronic Money (29/04/2012 is the last day this material was in force) requirements for firms issuing electronic money	ELM
Lloyd's (30/12/2006 is the last day this material was in force) requirements applying to Lloyd's and members of Lloyd's	LLD
Professional Firms requirements applying to professional firms (whether exempt or authorised)	PROF
Regulated Covered Bonds requirements relating to regulated covered bonds	RCB
Recognised Investment Exchanges and Recognised Clearing Houses requirements applying to recognised bodies	REC
Listing, Prospectus and Disclosure United Kingdom Listing Authority rules
Listing Rules United Kingdom Listing Authority listing rules	LR
Prospectus Rules United Kingdom Listing Authority prospectus rules	PR
Disclosure Rules and Transparency Rules United Kingdom Listing Authority disclosure rules	DTR
Handbook Guides This section contains guides to the Handbook. They are aimed at giving a basic overview of certain topics and point firms in the direction of material in the Handbook applicable to them.
Energy Market Participants Energy Market Participants Guide	EMPS
Small Friendly Societies (12/06/2005 is the last day this material was in force) (See FREN instruments for various in force dates). Prudential requirements for insurers, groups, mortgage firms and insurance intermediaries	FREN
Oil Market Participants Guide for Oil Market Participants	OMPS
Service companies Guide for service companies	SERV
Using the FSA Handbook: an Overview for small IFA firms (30/08/2006 is the last day this material was in force) Guide to using the FSA Handbook: an Overview for small IFA firms	SIFA
Small Mortgage and Insurance Intermediaries: Part I - General Rules (30/08/2006 is the last day this material was in force) Small Mortgage and Insurance Intermediaries: Part I - General Rules	MIGI
Small Mortgage and Insurance Intermediaries: Part II - Mortgage Intermediaries (additional rules) (30/08/2006 is the last day this material was in force) Small Mortgage and Insurance Intermediaries: Part II - Mortgage Intermediaries (additional rules)	MOGI
Small Mortgage and Insurance Intermediaries: Part III - Insurance Intermediaries (additional rules) (30/08/2006 is the last day this material was in force) Small Mortgage and Insurance Intermediaries: Part III - Insurance Intermediaries (additional rules)	GIGI
Regulatory Guides These are guides to regulatory topics
The Building Societies Regulatory Guide Building Societies Regulatory Guide	BSOG
The Collective Investment Scheme Information Guide The Collective Investment Scheme Information Guide	COLLG
The Credit Rating Agencies Guide (08/12/2011 is the last day this material was in force) The Credit Rating Agencies Guide	CRAG
The Enforcement Guide The Enforcement Guide	EG
Financial Crime: a guide for firms Financial Crime: a guide for firms	FC
The Perimeter Guidance Manual Perimeter Guidance	PERG
The Responsibilities of Providers and Distributors for the Fair Treatment of Customers Responsibilities of Providers and Distributors for the Fair Treatment of Customers Guide	RPPD
The Unfair Contract Terms Regulatory Guide Unfair Contract Terms Regulatory Guide	UNFCOG

Block

Sourcebook or manual

Reference Code

Glossary

terms used in the Handbook

Glossary

the meaning of defined terms used in the Handbook

Glossary

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

PRIN

Senior Management Arrangements, Systems and Controls

the responsibilities of directors and senior management

SYSC

Threshold Conditions

the minimum standards for becoming and remaining authorised

COND

Statements of Principle and Code of Practice for Approved Persons

the fundamental obligations of approved persons

APER

The Fit and Proper test for Approved Persons

the minimum standards for becoming and remaining an approved person

FIT

Financial Stability and Market Confidence Sourcebook

Provisions relating to financial stability, market confidence and short selling

FINMAR

Training and Competence

the commitments and requirements concerning staff competence

General Provisions

interpreting the Handbook, fees, approval by the FSA, emergencies, status disclosure, the FSA logo and insurance against fines

GEN

Fees Manual

the fees provisions for funding the FSA, FOS and FSCS

FEES

Prudential Standards

The Prudential Standards Block sets out the prudential requirements for firms

Integrated Prudential sourcebook (31/12/2006 is the last day this material was in force)

prudential requirements for insurers, groups, mortgage firms and insurance intermediaries and, in relation to liquidity risk, for banks, building societies and own account dealers

PRU

General Prudential sourcebook

General Prudential Sourcebook for Banks, Building Societies, Insurers and Investment Firms

GENPRU

Prudential sourcebook for Banks, Building Societies and Investment Firms

Prudential Sourcebook for Banks, Building Societies and Investment Firms

BIPRU

Prudential sourcebook for Insurers

INSPRU

Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries

the prudential requirements for mortgage and home finance firms and insurance intermediaries

MIPRU

Prudential sourcebook for UCITS Firm

the prudential requirements for UCITS firms

UPRU

Interim Prudential sourcebook for Banks (31/10/2010 is the last day this material was in force)

the prudential and notification requirements for banks

IPRU-BANK

Interim Prudential sourcebook for Building Societies (30/09/2010 is the last day this material was in force)

the prudential and notification requirements for building societies

IPRU-BSOC

Interim Prudential sourcebook for Friendly Societies

the prudential and notification requirements for friendly societies

IPRU-FSOC

Interim Prudential sourcebook for Insurers

the residual prudential and notification requirements for insurers

IPRU-INS

Interim Prudential sourcebook for Investment Businesses

the prudential and notification requirements for investment firms

IPRU-INV

Business Standards

the detailed requirements relating to firms' day-to-day business

Conduct of Business (31/10/2007 is the last day this material was in force)

the requirements applying to firms with investment business customers

COB

Conduct of Business Sourcebook

the conduct of business requirements applying to firms with effect from 1 November 2007

COBS

Insurance: Conduct of Business (05/01/2008 is the last day this material was in force)

the requirements applying to firms with insurance business customers

ICOB

Insurance: Conduct of Business sourcebook

the non-investment insurance conduct of business requirements

ICOBS

Mortgages and Home Finance: Conduct of Business sourcebook

the requirements applying to firms with mortgage business customers

MCOB

Banking: Conduct of Business sourcebook

BCOBS

Client Assets

the requirements relating to holding client assets and client money

CASS

Market Conduct

Code of Market Conduct, Price stabilising rules, Inter-professional conduct, Endorsement of the Takeover Code, Alternative Trading Systems, what is acceptable market conduct and what is market abuse

MAR

Money Laundering (30/08/2006 is the last day this material was in force)

the requirements for anti-money laundering systems and controls

Regulatory Processes

the manuals describing the operation of the FSA's authorisation, supervisory and disciplinary functions

Authorisation (to see AUTH derivations and destinations tables, go to Useful links) (30/12/2006 is the last day this material was in force)

guidance on whether authorisation is needed, how to apply for it and related issues

AUTH

Supervision

supervisory provisions including those relating to auditors, waivers, individual guidance, notifications and reporting

SUP

Enforcement (27/08/2007 is the last day this material was in force)

details of the FSA's disciplinary and enforcement arrangements

ENF

Decision Procedure and Penalties Manual

a description of the FSA's procedures for taking statutory notice decisions, the FSA's policy on the imposition and amount of penalties and the conduct of interviews to which a direction under section 169(7) of the Act has been given or the FSA is considering giving with effect from 28 August 2007

DEPP

Decision Making (27/08/2007 is the last day this material was in force)

the FSA's decision-making processes

DEC

Redress

the processes for handling complaints and compensation

Dispute Resolution: Complaints

the detailed requirements for handling complaints and the Financial Ombudsman Service arrangements

DISP

Compensation

the rules governing eligibility under, and levies for, the Financial Services Compensation Scheme

COMP

Complaints against the FSA

details of the scheme for handling complaints against the FSA

COAF

Specialist sourcebooks

requirements applying to individual business sectors

Building Societies sourcebook

guidance for building societies

BSOCS

Collective Investment Schemes (11/02/2007 is the last day this material was in force)

requirements for collective investment schemes

CIS

Collective Investment Schemes

requirements for collective investment schemes (replaced CIS)

COLL

Credit Unions (07/01/2012 is the last day this material was in force)

requirements applying to credit unions

CRED

Credit Unions New sourcebook

requirements applying to credit unions

CREDS

Electronic Commerce Directive (31/10/2007 is the last day this material was in force)

requirements for firms providing financial services by electronic means

ECO

Electronic Money (29/04/2012 is the last day this material was in force)

requirements for firms issuing electronic money

ELM

Lloyd's (30/12/2006 is the last day this material was in force)

requirements applying to Lloyd's and members of Lloyd's

LLD

Professional Firms

requirements applying to professional firms (whether exempt or authorised)

PROF

Regulated Covered Bonds

requirements relating to regulated covered bonds

RCB

Recognised Investment Exchanges and Recognised Clearing Houses

requirements applying to recognised bodies

REC

Listing, Prospectus and Disclosure

United Kingdom Listing Authority rules

Listing Rules

United Kingdom Listing Authority listing rules

Prospectus Rules

United Kingdom Listing Authority prospectus rules

Disclosure Rules and Transparency Rules

United Kingdom Listing Authority disclosure rules

DTR

Handbook Guides

This section contains guides to the Handbook. They are aimed at giving a basic overview of certain topics and point firms in the direction of material in the Handbook applicable to them.