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Risks to customers from financial incentives
Risks to customers from financial incentives
Auteur(s) : Autorité des marchés de la Grande-Bretagne (FSA)
Date de publication: 17 janv. 2013
Editeur : Autorité des marchés de la Grande-Bretagne (FSA)
Consumer trust and confidence in financial services is essential. In autumn 2011 we published a review of sales incentives and asked for feedback on our proposed guidance.
We know that the way sales staff are paid influences how and what they sell to consumers. Equally, we recognise that firms may want to incentivise their staff to sell. We do not have a problem with incentive schemes, but they must never be at the customer’s expense and the risks need to be managed properly. Consumers must be confident they are being sold a product for the right reasons.
Our review found that most incentive schemes were likely to drive people to mis-sell and these risks were not being properly managed.
We welcome the significant recent changes that a number of firms have made to reduce the risks in their incentive schemes.
Plan :
Overview
Background and findings
Guidance on incentive scheme features that increase the risk of mis-selling
Guidance on managing the risks and governance of incentive schemes
Conclusion and next steps
Annex : Examples of previous enforcement cases