---
title: "FCA MCOB — Mortgage Conduct of Business (FCA Handbook) — KYE Protocol™ coverage"
description: "FCA MCOB — Mortgage Conduct of Business (FCA Handbook) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/fca-mcob/
lang: en
source: "KYE Protocol"
---

> FCA MCOB — Mortgage Conduct of Business (FCA Handbook) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

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.

**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

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| MCOB 4 — Advising & selling standards | 3 | 0 | 2 | 1 | 0 | **42%** |
| MCOB 5-7 — Pre-application & disclosure | 1 | 0 | 1 | 0 | 0 | **50%** |
| MCOB 11 — Responsible lending | 2 | 0 | 1 | 0 | 0 | **50%** |

## Every requirement → the KYE™ artefact that enforces it

| ID | Title | Status | KYE™ enforcement |
| --- | --- | --- | --- |
| `fca-mcob.4.7a` | Suitability / affordability action admissibility | designed | **rule\_packs**: `kye:rule-pack:property-transaction-authority` **dictionaries**: `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md` |
| `fca-mcob.5.6` | Pre-contract disclosure evidence | designed | **rule\_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.11.6` | Responsible-lending decision record | designed | **rule\_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.4.8a` | Execution-only boundary is reference data, not a KYE™ determination | advisory | **dictionaries**: `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md` |
| `fca-mcob.11a.affordability-calc` | The affordability calculation itself — out of scope | out-of-scope | _(no enforcement cited)_ |
| `fca-mcob.4.7a-record` | Named accountability and contestable suitability outcomes | designed | **rule\_packs**: `kye:rule-pack:property-transaction-authority` **constitution\_refs**: `constitution/21-DELEGATED-AUDITABILITY.md` |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).