FCA MCOB — Mortgage Conduct of Business (FCA Handbook)

FCA MCOB — Mortgage Conduct of Business (FCA Handbook) — 45% of in-scope requirements covered.

6 requirements · 5 in scope (4 designed · 1 advisory) · 1 out-of-scope (outside KYE™’s authority layer). The 45% is weighted over the in-scope base.

FCA MCOB: requirement → the KYE™ artefact that enforces it

Demo data

You learn: Which requirements KYE™ enforces at runtime and with which artefact. You can: Walk the requirements.

  1. 7a · designed

    Suitability / affordability action admissibility

    Rule packs: kye:rule-pack:property-transaction-authority · Constitution: 12 purpose permission

  2. 6 · designed

    Pre-contract disclosure evidence

    Rule packs: kye:rule-pack:property-transaction-authority · Audit events: kye.evidence.pack.v1, kye.replay.context_seal.v1 · Constitution: 13 resilience loop

  3. 6 · designed

    Responsible-lending decision record

    Rule packs: kye:rule-pack:property-transaction-authority · Audit events: kye.evidence.pack.v1 · Constitution: 13 resilience loop, 21 delegated auditability

  4. 7a-record · designed

    Named accountability and contestable suitability outcomes

    Rule packs: kye:rule-pack:property-transaction-authority · Constitution: 21 delegated auditability

  5. 8a · advisory

    Execution-only boundary is reference data, not a KYE™ determination

    Constitution: 12 purpose permission

  6. affordability-calc · out-of-scope

    The affordability calculation itself — out of scope

    (no enforcement cited)

How this widget is built
Demonstrates
KYE™ Compliance Mapping Rail™
Components
  • Framework requirement (clause)
  • Coverage status
  • KYE™ enforcement artefact (event, decision-record field, Evidence Pack™ entry)
Flow
Clause → status → the KYE™ artefact that enforces it, enforced requirements first. Architecture diagram
Used on

Source: FCA Handbook — Mortgages and Home Finance: Conduct of Business sourcebook (MCOB). The conduct rules governing regulated mortgage advice, pre-contract disclosure, responsible lending and affordability assessment in the United Kingdom. KYE Protocol™ governs the AUTHORITY of an AI agent to take a consequential action in a mortgage / property-finance workflow (suitability action admissibility, disclosure-evidence capture, responsible-lending decision record) and the EVIDENCE / replay of that action; KYE™ does NOT perform the affordability calculation, author the advice, or determine regulatory correctness of the mortgage recommendation. Bound to the property-transaction sector pilot. Paraphrased for mapping purposes only — see the official FCA Handbook for the authoritative text. · License: FCA Handbook text is Crown / FCA copyright; KYE™ registry paraphrases each requirement's intent and cites the official sourcebook reference for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
MCOB 4 — Advising & selling standards3021042%
MCOB 5-7 — Pre-application & disclosure1010050%
MCOB 11 — Responsible lending2010050%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
fca-mcob.4.7aSuitability / affordability action admissibilitydesignedrule_packs: kye:rule-pack:property-transaction-authority
dictionaries: internal
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
fca-mcob.5.6Pre-contract disclosure evidencedesignedrule_packs: kye:rule-pack:property-transaction-authority
audit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1
constitution_refs: constitution/13-RESILIENCE-LOOP.md
fca-mcob.11.6Responsible-lending decision recorddesignedrule_packs: kye:rule-pack:property-transaction-authority
audit_events: kye.evidence.pack.v1
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md
fca-mcob.4.8aExecution-only boundary is reference data, not a KYE™ determinationadvisorydictionaries: internal
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
fca-mcob.11a.affordability-calcThe affordability calculation itself — out of scopeout-of-scope(no enforcement cited)
fca-mcob.4.7a-recordNamed accountability and contestable suitability outcomesdesignedrule_packs: kye:rule-pack:property-transaction-authority
constitution_refs: constitution/21-DELEGATED-AUDITABILITY.md

Canonical KYE™ surfaces referenced on this page: KYE Protocol™.