{"id":20119,"date":"2024-08-08T13:00:45","date_gmt":"2024-08-08T13:00:45","guid":{"rendered":"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/?page_id=20119"},"modified":"2026-07-09T11:06:21","modified_gmt":"2026-07-09T11:06:21","slug":"2-5-regulatory-disclosures","status":"publish","type":"page","link":"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/","title":{"rendered":"2.5 Regulatory disclosures"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20119\" class=\"elementor elementor-20119\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8fb18d e-flex e-con-boxed e-con e-parent\" data-id=\"b8fb18d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5338b91 e-con-full e-flex e-con e-child\" data-id=\"5338b91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faadcfc elementor-widget elementor-widget-heading\" data-id=\"faadcfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Regulatory disclosures<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b31ebda e-con-full e-flex e-con e-child\" data-id=\"b31ebda\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9c042e e-flex e-con-boxed e-con e-parent\" data-id=\"f9c042e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3184676 e-con-full e-flex e-con e-child\" data-id=\"3184676\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd5231b elementor-widget elementor-widget-heading\" data-id=\"dd5231b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Status disclosure<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-232f4cf elementor-widget elementor-widget-text-editor\" data-id=\"232f4cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In any of your financial promotions or communications with customers, you must:<\/p><ul><li>Specify your legal name as it appears in the Financial Services Register. You can include a trading name, but the legal name must accompany it.<\/li><li>Make it clear that you are a credit broker and not a lender.<\/li><li>Include your FCA-regulated status.<\/li><li>Use the formulation \u201cFinancial Conduct Authority\u201d; you cannot abbreviate to \u201cFCA\u201d.<\/li><\/ul><p>You can add words to the disclosure, provided it is clear, fair and not misleading.<\/p><ul><li>If you are an authorised firm, the wording that should be used is \u201c(legal name) is authorised and regulated by the Financial Conduct Authority\u201d.<\/li><li>If you are an appointed representative, the wording should be \u201c(name of authorised representative) is an appointed representative of (principal firm name) which is authorised and regulated by the Financial Conduct Authority.\u201d<\/li><\/ul><p>You can see two different disclosure examples below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ddf6d9a elementor-hidden-phone e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"ddf6d9a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa94945 elementor-widget elementor-widget-heading\" data-id=\"fa94945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Promotions Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27eeabe elementor-widget elementor-widget-text-editor\" data-id=\"27eeabe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/\">Home<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-881156c elementor-widget elementor-widget-text-editor\" data-id=\"881156c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/1-0-about-evolution-funding\/\">1.0 | About Evolution Funding<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1332727 elementor-widget elementor-widget-text-editor\" data-id=\"1332727\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-0-what-is-a-financial-promotion\/\">2.0 | What is a financial promotion?<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-022e2aa elementor-widget elementor-widget-text-editor\" data-id=\"022e2aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-1-consumer-duty-consumer-understanding\/\">2.1 | Consumer understanding<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2852e18 elementor-widget elementor-widget-text-editor\" data-id=\"2852e18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-2-representative-apr\/\">2.2 | Representative APR<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0954661 elementor-widget elementor-widget-text-editor\" data-id=\"0954661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-3-representative-example\/\">2.3 | Representative example<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88ba093 elementor-widget elementor-widget-text-editor\" data-id=\"88ba093\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-4-prominence\/\">2.4 | Prominence<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7656ebc elementor-widget elementor-widget-text-editor\" data-id=\"7656ebc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/\">2.5 | Regulatory disclosures<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f47712 e-flex e-con-boxed e-con e-parent\" data-id=\"5f47712\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5461082 e-con-full e-flex e-con e-child\" data-id=\"5461082\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1891d8a e-con-full e-flex e-con e-child\" data-id=\"1891d8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2b0f594 e-con-full e-flex e-con e-child\" data-id=\"2b0f594\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44f0eb3 elementor-widget elementor-widget-heading\" data-id=\"44f0eb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Eligibility criteria:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b2cc18 elementor-widget elementor-widget-text-editor\" data-id=\"6b2cc18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You need to make the following clear within your financial promotions:<\/p><ul><li>Finance is subject to application and status \u2013 you can\u2019t state or imply that credit available regardless of the customer\u2019s financial circumstances or status.<\/li><li>Who is eligible to apply for finance, and any restrictions on who can make an application, for example \u2018Terms and Conditions apply, over 18\u2019s only.&#8217;<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb727b elementor-widget elementor-widget-spacer\" data-id=\"1cb727b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae44a66 elementor-widget elementor-widget-heading\" data-id=\"ae44a66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Commission disclosure<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fba88b4 e-con-full e-flex e-con e-child\" data-id=\"fba88b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35d271b elementor-widget elementor-widget-text-editor\" data-id=\"35d271b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whilst the FCA is considering any changes to their rules following <span style=\"text-decoration: underline;\"><span style=\"color: #f1f200; text-decoration: underline;\"><a style=\"color: #f1f200; text-decoration: underline;\" href=\"https:\/\/www.fca.org.uk\/news\/statements\/court-appeal-judgment-hopcraft-johnson-wrench\" target=\"_blank\" rel=\"noopener\">the recent Court of Appeal case<\/a><\/span><\/span> you should consider any additional disclosures or wording.\u00a0 We have updated our guidance and support to reflect the key points of the court case, and we will call out further updates as they occur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-602b8f7 e-con-full e-flex e-con e-child\" data-id=\"602b8f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e85a40d elementor-widget elementor-widget-text-editor\" data-id=\"e85a40d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNew FCA rules to provide further clarity on commission disclosure and increase transparency for customers came into force on 28th January 2021.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60f1824 elementor-widget elementor-widget-spacer\" data-id=\"60f1824\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8396392 elementor-widget elementor-widget-text-editor\" data-id=\"8396392\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In financial promotions and other communications with customers, you should include the following:<\/p><ul><li>Details on the existence and nature of all your commission arrangements.<\/li><li>If your commission arrangements, as well as the amount of commission, impacts your impartiality in recommending a product to a customer, which in turn may affect the customer\u2019s willingness to transact.<\/li><\/ul><p>Clear commission disclosure is essential for meeting your responsibilities and promoting customer understanding.<\/p><ul><li>You must consider all customer communications, including but not limited to, websites, marketing and emails.<\/li><li>You should also consider how you present this information to ensure it is likely to be understood by your customers. For example, layering information by providing key details in your website footer, with a link to your initial disclosure document for further details.<\/li><\/ul><p>For further guidance on presenting information, please refer to <span style=\"text-decoration: underline; color: #f1f200;\"><a style=\"color: #f1f200; text-decoration: underline;\" href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-1-consumer-duty-consumer-understanding\/\" target=\"_blank\" rel=\"noopener\">2.1 Consumer Duty: Consumer Understanding<\/a><\/span>.<\/p><ul><li>The existence, nature and amount of any financial arrangement with a lender should be shown prominently. This is really important and applies when you promote or recommend a credit product. These disclosures may be in general terms, e.g. you don\u2019t need to provide the specific amount of commission, but you should provide details of how this is calculated, and when the customer will be informed of the amount.<\/li><\/ul><p>For further guidance on the information that should be provided to your customers, you can refer to our <span style=\"text-decoration: underline; color: #f1f200;\"><a style=\"color: #f1f200; text-decoration: underline;\" href=\"https:\/\/www.evolutionfunding.com\/public\/compliance-hub\/initial-disclosure-document-guide\/\" target=\"_blank\" rel=\"noopener\">Initial Disclosure Document Guide<\/a><\/span>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5350251 e-flex e-con-boxed e-con e-parent\" data-id=\"5350251\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-96f846a e-con-full e-flex e-con e-child\" data-id=\"96f846a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6326adb elementor-widget elementor-widget-heading\" data-id=\"6326adb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example disclosures<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b633a4 elementor-widget elementor-widget-text-editor\" data-id=\"2b633a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Example 1: Recommendation given<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0007273 e-con-full e-flex e-con e-child\" data-id=\"0007273\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dfd05b elementor-widget elementor-widget-text-editor\" data-id=\"7dfd05b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>&lt;Dealer legal name&gt;<\/strong> are authorised and regulated by the Financial Conduct Authority. FCA number . We are a credit broker and not a lender. Finance subject to status. Terms and conditions apply. A guarantee may be required. Over 18s only.<\/p><p>We can introduce you to a limited group of credit providers who may be able to offer you finance for your purchase. Each credit provider may have different interest rates and charges.<\/p><p>We are only able to offer finance products from these providers, which may be suitable for you, and we will explain the key features of your chosen product to you. As a credit broker with a limited panel of preferred credit providers from whom we receive commission, is not impartial and is free to prefer its own interests.<\/p><p>We are NOT independent financial advisors. We will provide details of the products available only from the credit providers that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.<\/p><p>We will receive payment from the credit provider for introducing you to them. The amount we receive could vary by credit provider, which may be a higher amount in relation to certain products compared with other products available. The credit providers we work with pay commission at different rates. However, the amount of commission that we receive from a credit provider is predetermined and cannot be changed for your agreement.<\/p><p>We do not charge you a fee for our services, but the commission we receive from the credit provider impacts the amount you pay.<\/p><p>For full details on our commission arrangements and further important information, please refer to our initial disclosure document:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de6987a e-con-full e-flex e-con e-child\" data-id=\"de6987a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0149a60 e-con-full e-flex e-con e-child\" data-id=\"0149a60\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ec50bd elementor-widget elementor-widget-text-editor\" data-id=\"2ec50bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tCONC 3.7\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9917dc9 elementor-widget elementor-widget-text-editor\" data-id=\"9917dc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tFinancial promotions and communications: credit brokers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b768812 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"b768812\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.handbook.fca.org.uk\/handbook\/CONC\/3\/7.html\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc9f569 e-con-full e-flex e-con e-child\" data-id=\"cc9f569\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05be6bd elementor-widget elementor-widget-text-editor\" data-id=\"05be6bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tCONC 4.5\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bafd535 elementor-widget elementor-widget-text-editor\" data-id=\"bafd535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Commissions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c473d0d elementor-align-right elementor-widget elementor-widget-button\" data-id=\"c473d0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.handbook.fca.org.uk\/handbook\/CONC\/4\/5.html\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a63ca94 e-con-full e-flex e-con e-child\" data-id=\"a63ca94\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3d8e67 elementor-widget elementor-widget-text-editor\" data-id=\"a3d8e67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tGEN 4.3 Letter disclosure\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-139d7c5 elementor-widget elementor-widget-text-editor\" data-id=\"139d7c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>FCA handbook<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78edbaf elementor-align-right elementor-widget elementor-widget-button\" data-id=\"78edbaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/eur03.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.handbook.fca.org.uk%2Fhandbook%2FGEN%2F4%2F3.html&#038;data=05%7C02%7Cjake.mawhinney%40evolutionfunding.com%7Cb0c5957fd0584616622908dcd0b6424d%7C4cfa8ffbbf914659b86201c5ea3145fe%7C0%7C0%7C638614728462143126%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&#038;sdata=W%2F4Myu1MAajneAJDCFlA55%2B1%2FLcUvRFTDC7bRhAjFWY%3D&#038;reserved=0\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb0414a e-con-full e-flex e-con e-child\" data-id=\"bb0414a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-80ccda9 e-con-full e-flex e-con e-child\" data-id=\"80ccda9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b87a6d elementor-widget elementor-widget-text-editor\" data-id=\"5b87a6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tGEN 4 Annex 1: Statutory status disclosure\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c81018 elementor-widget elementor-widget-text-editor\" data-id=\"9c81018\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tFCA handbook\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec9898 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"7ec9898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/eur03.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.handbook.fca.org.uk%2Fhandbook%2FGEN%2F4%2FAnnex1.html&#038;data=05%7C02%7Cjake.mawhinney%40evolutionfunding.com%7Cb0c5957fd0584616622908dcd0b6424d%7C4cfa8ffbbf914659b86201c5ea3145fe%7C0%7C0%7C638614728462151240%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&#038;sdata=XsT7Qs8naf3KRO1sLXjVP7TQIldybiG2uRrisan8QNQ%3D&#038;reserved=0\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca0b6a2 e-con-full e-flex e-con e-child\" data-id=\"ca0b6a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad3406c elementor-widget elementor-widget-text-editor\" data-id=\"ad3406c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tStatus disclosure: Consumer credit\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbfd755 elementor-widget elementor-widget-text-editor\" data-id=\"bbfd755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tFCA\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc778e elementor-align-right elementor-widget elementor-widget-button\" data-id=\"9dc778e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/eur03.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.fca.org.uk%2Ffirms%2Fstatus-disclosure-consumer-credit&#038;data=05%7C02%7Cjake.mawhinney%40evolutionfunding.com%7Cb0c5957fd0584616622908dcd0b6424d%7C4cfa8ffbbf914659b86201c5ea3145fe%7C0%7C0%7C638614728462160851%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&#038;sdata=6FpppLcjFLdxgU5EQzJN9KtFUhthGTHqDEL%2BK5Dew8E%3D&#038;reserved=0\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cca7bd e-flex e-con-boxed e-con e-parent\" data-id=\"1cca7bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2c3c934 e-con-full e-flex e-con e-child\" data-id=\"2c3c934\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9e0d312 e-con-full e-flex e-con e-child\" data-id=\"9e0d312\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf4b3be elementor-widget elementor-widget-heading\" data-id=\"bf4b3be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact address on financial promotions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40d10b7 elementor-widget elementor-widget-text-editor\" data-id=\"40d10b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You must include your name and postal address unless:<\/p><ul><li>It is made via television or radio broadcast;<\/li><li>Where the promotion is a point of sale item displayed on the retailer\u2019s premises which aren\u2019t intended for customers to take away, e.g. showroom banners or posters;<\/li><li>The promotion includes the name and postal address of a credit broker.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-099abfd e-flex e-con-boxed e-con e-parent\" data-id=\"099abfd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-aae637b e-con-full e-flex e-con e-child\" data-id=\"aae637b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-29892bf e-con-full e-flex e-con e-child\" data-id=\"29892bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c249e09 elementor-widget elementor-widget-heading\" data-id=\"c249e09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Next \/\/ Things to consider<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2613f11 e-con-full e-flex e-con e-child\" data-id=\"2613f11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1636b6b elementor-align-right elementor-widget elementor-widget-button\" data-id=\"1636b6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/3-0-things-to-consider\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Continue<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Regulatory disclosures Status disclosure In any of your financial promotions or communications with customers, you must: Specify your legal name as it appears in the Financial Services Register. You can include a trading name, but the legal name must accompany it. Make it clear that you are a credit broker and not a lender. Include [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":25409,"parent":19892,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-20119","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.5 Regulatory Disclosures | Financial Promotions Guide<\/title>\n<meta name=\"description\" content=\"Understand the regulatory disclosures required in financial promotions, including status, eligibility and commission disclosure requirements.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/\" \/>\n<meta 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