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-authoritydictionaries: internalconstitution_refs: constitution/12-PURPOSE-PERMISSION.md |
fca-mcob.5.6 |
Pre-contract disclosure evidence | designed | rule_packs: kye:rule-pack:property-transaction-authorityaudit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1constitution_refs: constitution/13-RESILIENCE-LOOP.md |
fca-mcob.11.6 |
Responsible-lending decision record | designed | rule_packs: kye:rule-pack:property-transaction-authorityaudit_events: kye.evidence.pack.v1constitution_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: internalconstitution_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-authorityconstitution_refs: constitution/21-DELEGATED-AUDITABILITY.md |