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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 / 4

Advising and selling standards (MCOB 4)

Reference Code	Title
MCOB 4.1	Application
MCOB 4.2	Purpose
MCOB 4.3	Scope of service provided
MCOB 4.4	Initial disclosure requirements
MCOB 4.5	12, 1Additional disclosure for distance mortgage mediation contracts, distance home purchase mediation contracts and distance regulated sale and rent back mediation contracts with retail customers2
MCOB 4.6	1Cancellation of distance mortgage mediation contracts,2 distance home purchase mediation contracts and distance regulated sale and rent back mediation contracts21
MCOB 4.7	Advised sales
MCOB 4.8	Non-advised sales
MCOB 4.9	Business loans
MCOB 4.10	1Home purchase plans
MCOB 4.11	Sale and rent back: advising and selling standards
MCOB 4 Annex 1	Initial disclosure document3
MCOB 4 Annex 2	Combined initial disclosure document 3[deleted - see 31COBS 6 Annex 2]
MCOB 4 Annex 3	1Additional information requirements in respect of distance mortgage mediation contracts,2 distance home purchase mediation contracts and distance regulated sale and rent back mediation contracts 2with3 consumers31