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The Full Handbook

Glossary
High Level Standards
Prudential Standards
Business Standards
- COBS Conduct of Business Sourcebook
- ICOBS Insurance: Conduct of Business sourcebook
- MCOB Mortgages and Home Finance: Conduct of Business sourcebook
  - MCOB 1 Application and purpose
  - MCOB 2 Conduct of business standards: general
  - MCOB 3 Financial Promotion of qualifying credit, home reversion plans and regulated sale and rent back agreements
  - MCOB 4 Advising and selling standards
  - MCOB 5 Pre-application disclosure
  - MCOB 6 Disclosure at the offer stage
  - MCOB 7 Disclosure at start of contract and after sale
  - MCOB 8 Equity release: advising and selling standard
  - MCOB 9 Equity release: product disclosure
  - MCOB 10 Annual Percentage Rate
  - MCOB 11 Responsible lending, and responsible financing of home purchase plans
  - MCOB 12 Charges
  - MCOB 13 Arrears and repossessions: regulated mortgage contracts and home purchase plans
  - Transitional Provisions and Schedules
- BCOBS Banking: Conduct of Business sourcebook
- CASS Client Assets
- MAR Market Conduct
Regulatory Processes
Redress
Specialist sourcebooks
Listing, Prospectus and Disclosure
Handbook Guides
Regulatory Guides

Full Handbook / MCOB / 10

Annual Percentage Rate (MCOB 10)

Reference Code	Title
MCOB 10.1	Application
MCOB 10.2	Purpose
MCOB 10.3	Formula and assumptions for calculating the APR
MCOB 10.4	Total charge for credit
MCOB 10 Annex 1	A guide to the substantively identical provisions of MCOB 10 and the Consumer Credit (Total Charge for Credit) Regulations 1980