COBS - Client Communications and Financial Promotions

The Conduct of Business Sourcebook (COBS) applies to financial firms in the UK that deal with client investments. COBS rules cover client communications.

Client communications refer to any document that is likely to be read by a retail client. Included in this is all financial promotions that investment firms send to existing and prospective clients.

Our COBS for Client Communications Course explains the FCA Conduct of Business Rules for communicating with clients in the investment business.

Start your trial Course details

20 Minutes
All staff
Based on UK legislation, but suitable for global audiences upon the removal of UK-specific references and translation as necessary.

Learning objectives

Appreciate the need to be fair, clear and not misleading
Recognise the rules for presenting investment performance
Know the rules for cold calling and non-written promotions
Understand the systems and control requirements
Identify and apply the record-keeping requirements

Welcome

What is COBS - Client Communications?

What are client communications?

Exercise: What is a financial promotion?

Fair, clear & not misleading

Presenting investment performance

Calculating return

Direct offer financial promotions

Cold calling

Approving financial promotions

Systems & controls

Record keeping

Scenario: Financial promotion

Summary

Affirmation

Assessment

Your questions, answered

CoreCompliance

Common FAQs

Which courses are included in CoreCompliance?

All users get access to courses on popular compliance topics, such as: bribery, cybersecurity, equality, health and safety. In addition, you can get courses specific to your business sector.

There are over 150 courses included within the CoreCompliance package. The actual courses provided depend on the sector chosen for the subscription.

Are CoreCompliance courses only intended for use by those based in the UK?

Most of our courses are non-jurisdiction-specific and informed by global standards. However, some of them are specifically about UK law. We currently only recommend CoreCompliance outside the UK for courses on common standards. This includes Modern Slavery, Money Laundering, and Bribery.

Do the courses bookmark my progress?

Yes, all the courses have automatic bookmarking. If you close a course without completing it, you can return to where you left off or restart the course. However, if the course features a video, your progress through the video will not be bookmarked, and you'll need to start the video afresh upon your return.

What are in-depth courses?

Your subscription includes in-depth e-learning courses on bribery, money laundering, data protection, and equality. This is ideal for annual compliance training. Each course takes 30-45 minutes and provides comprehensive foundational knowledge. They can evidence that with a certificate and CPD points.

What are microlearning courses?

The CoreCompliance includes microlearning courses on most topics that you need for employee compliance training. These are typically 2-3 minutes long and illustrate the compliance topic using engaging visuals and storylines. For each course, employees can download a certificate evidencing their completion.

Can we use a Skillcast certificate to evidence training to regulators, courts, etc?

Yes, you can present a Skillcast certificate to evidence training. Skillcast can verify its validity, i.e., when and on which account the training was done, the time spent, etc. But of course, we can't prevent one person from sitting in place of another to do the training. That's up to the client company to ensure. Also, Skillcast is not an accredited certification body. Therefore, the certificates are only proof of training completion, not a legal document.

What is "mandatory training"?

All users in your account can see all the courses available for your business sector. You can set any of these courses as "mandatory training" for one or more users. Doing this assigns the courses to them with a deadline and sends them notification emails. If they don't complete the course within the deadline, they get reminder emails to complete the assignment.

How do I check my mandatory training?

The "Mandatory Training" box on the homepage shows the percentage of completed, incomplete, and overdue mandatory training. Select the box to access your incomplete mandatory training. The date (shown in the DD/MM/YYYY format) is your deadline for completing the course.

What is in my training record?

Your training record shows a list of the courses that you've started and completed. You can select each entry to see more details, such as your passing score and your certificate. You can access your training record by selecting "Certificates" at the top of the screen.

Can I get certificates for courses I've completed?

Yes, you can download a course completion certificate after you've completed a course. To do this, select "Certificates" at the top of your screen, and then choose the relevant course from the list of those that you've completed.

How do I update my details?

Select "My Profile" at the top of the screen to change your details.

Do I get a dashboard to manage my employees?

Yes, CoreCompliance provides you with an admin dashboard where you can manage and monitor your learners. It enables you to check whether your employees have completed the mandatory training you have assigned to them. You can also download a report showing the completed, pending or overdue assignments for all your users.

How do I start a subscription?

Subscribing to the CoreCompliance is easy. You are already registered for a trial. Select "Purchase" at the top of the screen and select the number of seats you need (you will need a seat for yourself). You can pay using a credit or debit card, which will be processed by Stripe.

Can I change the number of seats in my subscription?

Yes, you can upgrade your subscription to a higher number of seats at any point during your subscription. This will be at a pro-rata charge by selecting "Billing" at the top of the page. You can also reduce the number of seats at any point, but this change will take effect from the next renewal date.

Can I get monthly or annual subscriptions?

All subscriptions are on an annual basis. We don't offer monthly subscriptions.

Can I get an invoice for the subscription?

Yes, you will receive your invoice and payment receipt by email. After the purchase, you can also log in to Stripe to download your invoice and receipt.

How long do I have to wait to assign training after making the payment?

After your payment has been processed successfully, you and your employees will have immediate access to all the e-learning. You will need to add their names and email addresses to give them access.

How do I purchase more seats?

Your admin dashboard shows the number of seats you currently have available. You can purchase more seats at any point during your subscription. To do this, select "Billing" at the top of the page, allowing you to add more users to your Portal. You can have a maximum of 50 seats in total.

Can I reuse the seats of employees who have left my company?

Yes, you can free up seats by archiving users who have left your company and assigning them to others in your company.

Can I add more than 50 users to my subscription?

CoreCompliance is only available for up to 50 users. If you require more than 50 seats, you will need to upgrade to our Standard Plan. You can contact our Sales team via our website.

Can I get a refund if I terminate my subscription partway through the year?

Unfortunately, not. CoreCompliance subscriptions are for a whole year. If you terminate your subscription partway through the year, we will not renew it, but we can't give you any refunds.

Can small businesses be held accountable under competition law?

Yes. Competition law applies to businesses of all sizes. Even small companies can face investigations and serious penalties for engaging in anti-competitive conduct.

Can small businesses be prosecuted under the Criminal Finances Act 2017?

Yes. The Act applies to all organisations, regardless of size. However, the HMRC’s guiding principles allow for proportionality, meaning smaller firms are expected to implement controls that match their risk level and operational complexity.

How can small businesses ensure compliance with proliferation financing regulations?

Even SMEs should implement basic risk assessments, maintain up-to-date sanctions screening tools, and train staff on red flags related to trade-based money laundering and dual-use items.

Are Skillcast courses SCORM-compliant?

Yes. This means they can be delivered via the Skillcast Portal or any other SCORM-compliant Learning Management System.

What other tools are needed beyond training?

A comprehensive compliance solution often needs more than just training. Alongside e-learning, tools like declarations, surveys, and registers that track compliance tasks are usually essential. Skillcast provides full support to help you set up these additional tools.

Is our training content still compliant with the latest legislation?

You can check the latest course content updates in our library updates page: https://www.skillcast.com/compliance-course-library-updates
For major legislative changes, we:
- Will send you email alerts to ensure you are notified
- Offer you a free trial of newly created or updated content
- Host webinars with compliance experts to explain the changes and how our training supports your ongoing compliance

Can you translate our content into other languages?

Yes, we offer translations in a wide range of languages. Let us know your needs, and we’ll confirm availability or work with you to plan translations for your selected modules.

What file types are supported by the Skillcast system?

Features	Supported file types and details
File Exchange	File types: PDF, Excel spreadsheets, Word documents, SCORM and xAPI files, and compressed zip files. Max file size: Default is 1GB, can be increased to a max of 2GB
SCORM files	Versions: SCORM 1.2, SCORM 1.2 for Moodle, SCORM 2004 2nd, 3rd and 4th Edition. Max file size: 1024MB
xAPI file	Max file size: 2GB
Videos	File types: MP4 or MOV. Videos must be optimised, with a max file size of 100MB. If the file is bigger, our Design Team can help
Images	File types: jpg, png and gif. The file size should ideally be 100KB, but it can be up to 250KB
CPD evidence	File types: Word, PDF, Excel and CSV. File size: the limit should be whatever the portal config option is set to. Servers are set to max 2GB
Policy documents	PDF or Word File size: the limit should be whatever the portal config option is set to. Servers are set to max 2GB
Offline activities evidence	File types: PDF, DOC, DOCX, XLS, XLSX, CSV, PNG, GIF, JPEG, JPG, PPTX and MSG. File size: the limit should be whatever the portal config option is set to. Servers are set to max 2GB
Client logo files	File types provided by client: EPS, PDF, AI and SVG
Registers	PDF, DOC, DOCX, XLS, XLSX, CSV, PPT, PPTX, POT, PPA, PPS, JPG, JPEG, PJEPG, PNG, BMP, GIF, MP4, MOV, WMV, CPTX, CP, TXT, ZIP and MSG files
Declarations	JPG, JPEG, PNG, GIF, XLS and XLSX files

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Microlearning 5 Minutes Data Protection (GDPR) All staff

GDPR Principle 2

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Microlearning 5 Minutes Data Protection (GDPR) All staff

GDPR Principle 3

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Microlearning 5 Minutes Data Protection (GDPR) All staff

GDPR Principle 4

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Microlearning 5 Minutes Data Protection (GDPR) All staff

GDPR Principle 5

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Microlearning 5 Minutes Data Protection (GDPR) All staff

GDPR Principle 6

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Microlearning 5 Minutes Data Protection (GDPR) All staff

GDPR Principle 7

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Microlearning 5 Minutes Data Protection (GDPR) All staff

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Microlearning 5 Minutes Data Protection (GDPR) All staff

GDPR Lawful Bases for Processing

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Microlearning 5 Minutes Data Protection (GDPR) All staff

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Microlearning 5 Minutes Data Protection (GDPR) All staff

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Microlearning 5 Minutes Data Protection (GDPR) All staff

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Microlearning 5 Minutes Data Protection (GDPR) All staff

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Microlearning 5 Minutes Data Protection (GDPR) All staff

Cartels

Competition in a free market encourages businesses to innovate, improve quality and reduce prices for consumers.

Trade Association Red Flags

Trade association meetings serve legitimate purposes but can pose competition risks if sensitive business information is exchanged.

Vertical Agreements

Vertical agreements between manufacturers, wholesalers and retailers can restrict competition and harm consumers.

Online Selling Restrictions

Competition law ensures fair sales practices and prohibits restrictions that limit competition.

Resale Price Maintenance

Resale price maintenance involves manufacturers controlling how retailers price their products.

Tying and Bundling

Tying and bundling involve selling a product or service with another commitment or package.

Dawn Raids

A dawn raid is an unannounced investigation by a regulator or law enforcement agency, often related to suspected financial crimes or anti-competitive practices.

Abuse of Dominant Position

Companies with significant market power must compete fairly without distorting competition.

Risks in the Use of AI

This training highlights how AI can be used effectively while identifying and addressing potential risks.

Stereotyping

Stereotypes are generalised beliefs about individuals or groups that can lead to prejudice and bias.

Understanding ESG

Companies are increasingly expected to integrate environmental, social and governance principles into their operations to attract investors.

Microlearning 5 Minutes ESG All staff

Identifying Who is Vulnerable

Vulnerable individuals are those who face heightened risks of harm, abuse, neglect or exploitation due to various circumstances.

Microlearning 5 Minutes ESG All staff

Screening Employees in Safeguarding Roles

The Safeguarding Vulnerable Groups Act protects children and vulnerable adults from harm by preventing unsuitable individuals from working with them.

Microlearning 5 Minutes ESG All staff

Terrorist Financing Red Flags

Terrorist groups use legal and illegal methods to raise and move funds, often exploiting financial systems to conceal their activities.

Microlearning 5 Minutes Financial Crime All staff

Understanding Terrorist Financing

Terrorist groups rely on financial support from various sources, both intentional and unintentional.

Microlearning 5 Minutes Financial Crime All staff

Enhanced Customer Due Diligence

Bring "Enhanced Customer Due Diligence" training to life using animation characters and storylines.

Microlearning 5 Minutes Financial Crime All staff

Politically Exposed Persons

Politically exposed persons present a high risk of money laundering due to their influence and access to state resources.

Microlearning 5 Minutes Financial Crime All staff

Suspicious Activity Reporting

Employees must report any knowledge or suspicion of money laundering or terrorist financing to the Money Laundering Reporting Officer.

Microlearning 5 Minutes Financial Crime All staff

Unexplained Wealth Orders

Unexplained wealth orders allow law enforcement to seize assets if their owners cannot justify their wealth as coming from a legitimate source.

Microlearning 5 Minutes Financial Crime All staff

Supplier Fraud

Supplier fraud occurs when vendors engage in deceptive practices, such as false invoicing, overpricing or bribery.

Microlearning 5 Minutes Fraud Prevention All staff

Authorised Push Payment Fraud

Authorised push payment fraud occurs when scammers impersonate trusted figures to trick individuals into transferring money.

Microlearning 5 Minutes Fraud Prevention All staff

False Representation

Fraud by false representation happens when someone deliberately provides misleading or untrue information for personal or financial gain.

Microlearning 5 Minutes Fraud Prevention All staff

Employee Fraud and Insider Threats

Employee fraud can take many forms, from theft and false expense claims to data misuse and conflicts of interest.

Microlearning 5 Minutes Fraud Prevention All staff

Fraud Offences and Penalties

Fraud is any dishonest action or omission intended to gain or cause a loss, regardless of whether it is temporary or permanent.

Microlearning 5 Minutes Fraud Prevention All staff

Mandatory Leave

Mandatory leave is time off that certain organisations enforce to help prevent fraud, errors and other risk incidents.

Microlearning 5 Minutes Fraud Prevention All staff

The Fraud Triangle

Fraud is often committed by ordinary people who find themselves in difficult situations and make poor choices.

Microlearning 5 Minutes Fraud Prevention All staff

10 Essential Office Hygiene Practices

Hygiene is a key factor in maintaining a clean, safe and healthy workplace.

Microlearning 5 Minutes Health & Safety All staff

10 Steps to Healthy Working

A fast-paced work environment can take a toll on physical and mental health if risks are not managed.

Microlearning 5 Minutes Health & Safety All staff

Fire

Fires pose a serious threat in any workplace, making fire prevention and safety measures essential.

Microlearning 5 Minutes Health & Safety All staff

Personal Protective Equipment

Personal protective equipment is essential in minimising exposure to workplace hazards but should be the last line of defence.

Microlearning 5 Minutes Health & Safety All staff

Transport

Work-related driving poses significant risks, contributing to a large percentage of road accidents.

Microlearning 5 Minutes Health & Safety All staff

Work Equipment

Work equipment includes tools, machines and other devices used to perform tasks safely and efficiently.

Microlearning 5 Minutes Health & Safety All staff

Menopause Awareness

Menopause is a natural stage in life that can bring physical and emotional challenges and potentially affect work performance.

Microlearning 5 Minutes Health & Safety All staff

Mental Health at Work

Stress, anxiety and depression are major workplace health risks, accounting for over half of work-related ill-health cases.

Microlearning 5 Minutes Health & Safety All staff

New and Expectant Mothers at Work

When an employee is pregnant or returning from maternity leave, certain legal rights and health considerations apply.

Microlearning 5 Minutes Health & Safety All staff

Understanding Intellectual Property

Intellectual property rights are exclusive rights that protect creators and inventors, allowing them to benefit commercially from their work.

Don't Deal with Inside Information

Insider dealing occurs when someone uses non-public, price-sensitive information to gain an unfair advantage in financial markets.

Understanding Inside Information

Inside information is precise, non-public information about a financial instrument or issuer that could significantly impact market prices if disclosed.

Understanding Market Abuse

Market abuse distorts financial markets and disadvantages investors.

Unlawful Disclosure of Inside Information

Inside information is precise, non-public information about a financial instrument or issuer that could impact market prices if disclosed.

The Three Characteristics of Harassment

Harassment in the workplace occurs when unwanted behaviour violates a person's dignity or creates an intimidating or offensive environment.

Minimum Disclosure Rules

The Common Reporting Standard was introduced to prevent offshore tax evasion, but authorities continue to find ways in which it is being circumvented.

Unwanted Behaviour of a Sexual Nature

Sexual harassment is unwanted behaviour of a sexual nature that can create an intimidating, degrading or hostile work environment.

Microlearning 5 Minutes Preventing Harassment All staff

The 4D Bystander Intervention Model

Creating a safe and respectful workplace requires everyone to take action when witnessing bullying harassment or inappropriate behaviour.

Understanding Tax Evasion

Tax evasion is the illegal act of dishonestly reducing tax liability, while tax avoidance involves exploiting legal loopholes.

Corrupt Hiring Practices

Diligence in hiring new employees is no longer limited to education, experience and references.

Express 10 Minutes Bribery Prevention All staff

To Pay or Not To Pay?

Small facilitation payments made to officials for expediting a permit or approval might seem harmless, but they are illegal and could land your employees in prison.

Express 10 Minutes Bribery Prevention All staff

CASS 10 - CASS Resolution Pack

A CASS Resolution Pack (RP) contains a specific set of documents that helps speed up client money and assets return if a firm fails.

CASS 6 - Custody Rules

The rules and guidance in CASS 6 apply to a firm when it is safeguarding and administering custody assets.

CASS 7 and 7A - Client Money Rules and Client Money Distribution and Transfer

The rules and guidance in CASS aim to achieve the FCA's objective of ensuring that consumers are adequately protected.

CASS 8 - Mandates

Under the requirements of CASS 8, you must understand what a mandate is and how to deal with them.

CASS 9 - Information to Clients

Under the requirements of CASS 9, you are required to pass on certain information to clients, particularly where prime brokers, custody assets and client money are concerned.

COBS - Appropriateness

The FCA's Conduct of Business Sourcebook (COBS) applies to financial firms that deal with customer investments on an execution-only basis.

COBS - Client Communications High Risk Investments

The Conduct of Business Sourcebook (COBS) rules that relate to client communication apply to all promotional communications that investment firms have with their clients and prospects.

COBS - Suitability

The FCA Conduct of Business Sourcebook (COBS) applies to finance and investment firms in the UK.

Control of Substances Hazardous to Health (COSHH)

Educate your staff on the risks of using hazardous substances as well as what they should do to prevent accidents and incidents when using them.

In-depth 30 Minutes Health & Safety All staff

Electricity

Educate your staff on the controls your Company has in place and what they should do to stay safe and manage the risks associated with electricity and electrical devices.

Fire Warden Training

Gain a comprehensive understanding of your role as a fire warden, which encompasses not only how to respond effectively in the event of a fire but also proactive measures to prevent such incidents from occurring.

In-depth 30 Minutes Health & Safety All staff

Lone Working

Lone working offers greater flexibility, autonomy and creates a broader talent pool for businesses.

In-depth 25 Minutes Health & Safety All staff

New and Expectant Mothers at Work

Being a new or expectant mother is an exciting time.

In-depth 15 Minutes Health & Safety All staff

Noise

Educate your staff on the controls that your Company has in place and what they should do to prevent exposure to noise at work.

In-depth 25 Minutes Health & Safety All staff

Packaged Retail and Insurance-based Investment Products (PRIIPs) Regulation in Finance

The Packaged Retail and Insurance-based Investment Product (PRIIP) Regulation affects retail investors who need to understand the complexities of these products.

Responsible Use of Artificial Intelligence

Companies are committed to ensuring the ethical and responsible use of AI technologies.

In-depth 30 Minutes Cybersecurity All staff

Sustainability Disclosure Requirements (SDR) and Investment Labels

The introduction of sustainability rules aims to enhance the transparency and credibility of financial products with sustainability objectives.

Swap Execution Facilities (SEFs) and Designated Contract Markets (DCMs)

Swap Execution Facilities (SEFs) and Designated Contract Markets (DCMs) exist as part of the US response to the financial crisis.

Understanding Failure to Prevent Fraud (FTPF)

Learn how the Failure to Prevent Fraud offence works, what it means for our Company, and how you can help reduce risk by recognising fraud and supporting prevention procedures.

In-depth 30 Minutes Failure to Prevent Fraud All staff

COBS - Client Communications and Financial Promotions

Learning objectives

What can you expect your employees to learn?

Welcome

What is COBS - Client Communications?

What are client communications?

Fair, clear & not misleading

Presenting investment performance

Calculating return

Direct offer financial promotions

Cold calling

Approving financial promotions

Systems & controls

Record keeping

Scenario: Financial promotion

Summary

Affirmation

Assessment

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Data Protection

Preventing Sexual Harassment

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Financial Sanctions

Market Abuse Regulation

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Phishing

Fire Safety

Preventing the Facilitation of Tax Evasion

Healthy Working

Gifts and Hospitality

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Safeguarding the Vulnerable