Page 397 - 《期货和衍生品行业监管动态》（2022年合集）

期货和衍生品行业监管动态

Sheldon Mills, Executive Director of Consumers and Competition, said:

'The current economic climate means it’s more important than ever that

consumers are able to make good financial decisions. The financial services industry

needs to give people the support and information they need and put their customers

first.

'The Consumer Duty will lead to a major shift in financial services and will

promote competition and growth based on high standards. As the Duty raises the bar

for the firms we regulate, it will prevent some harm from happening and will make it

easier for us to act quickly and assertively when we spot new problems.'

The Duty will include requirements for firms to:

 end rip-off charges and fees

 make it as easy to switch or cancel products as it was to take them out in

the first place

 provide helpful and accessible customer support, not making people wait

so long for an answer that they give up

 provide timely and clear information that people can understand about

products and services so consumers can make good financial decisions, rather

than burying key information in lengthy terms and conditions that few have the

time to read

 provide products and services that are right for their customers

 focus on the real and diverse needs of their customers, including those in

vulnerable circumstances, at every stage and in each interaction

The FCA is giving firms 12 months to implement the new rules for all new and
existing products and services that are currently on sale. The rules will be extended to

closed book products 12 months later, to give firms more time to bring these older
products, that are no longer on sale, up to the new standards.

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