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Financial promotions and digital media – Mortgages and Deposits

This is suitable for Building Societies and banks as well as (with appropriate adjustments) mortgage intermediaries



Training objectives and programme

The real world – ordinary law, good taste, company procedures & ASA Codes of Advertising Practice


What is a “promotion”

What is an FCA-regulated promotion?

Image adverts and other non-FCA-regulated communications

Effect of retweeting and liking

When is private social media use – on behalf of the company?

Exempt communications – communications to press and investment professionals

FCA’s powers over promotions


The FCA Rulebook

Finding the rulebooks and time-travel

FCA Principles

The Consumer Duty – rules governing communications to investment professionals, testing and

Clear, fair & not misleading – its meaning

Describing the security and risk

APR and representative examples – when you need them

BBA/BSA Code on deposit accounts & direct offers for savings accounts


Advertorials – clear identification of material as a promotion

Names – firm, regulator, FSCS – explaining what is not regulated

Comparisons and pricing claims


Particular digital media areas

FG 15/4 Social media and customer communications

Search engine optimisation and pay per click

Website issues – including disclosure of how to complain

Basic systems and controls including records


Introduction to risk management

Three lines of defense

Compliance and risk management functions Competent employee rule

Record keeping

Get in touch

Contact Adam by e-mail, phone or post at:

E-Mail: or

Mobile: 07900 248150

The Attic, 117 Priory Road, London NW6 3NN.