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The requirements for financial promotions set out in Chapter 3 of CONC do not apply: (a) where the credit is available only westpac unsecured personal loan rates a company or other body corporate (such as a limited liability partnership); (b) where a financial promotion is solely promoting credit agreements or consumer hire agreements or P2P lending agreements for the purposes of a customer's business; (c) to a financial promotion to the extent that it relates to qualifying credit or (d) it falls within the definition of an excluded communication as set out in the FCA's handbook.
If the applicability or interpretation of these rules or provisions is in doubt, advertisers may contact the FCA.
The FCA does not check financial promotions for compliance with the CONC rules before they are westpac unsecured personal loan rates. Such advertisements that involve distance marketing must also comply with the Financial Services (Distance Marketing) Regulations 2004 (as amended). Other distance-marketing financial advertisements are covered by the FCA Handbook. (Lending and credit). The ad must not appear again in its current form. We told Instant Cash Loans Ltd to ensure that ads did not present payday loans as a way of addressing ongoing financial concerns and that ads which included an incentive to apply for credit also included an RAPR with sufficient prominence.
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