• UK financial services industry structure
• Financial asset classes
• Financial services products
• Financial advice and regular reviews
• Legal concepts
• UK taxation and social security systems
• Inflation, interest rate volatility
• Non tax laws
• FSA regulation
• FSA’s Conduct of business rules
• Anti money laundering rules
• Complaints and compensation
• Data Protection Act 1998

• Macro environment factors
• Taxation
• Investment returns
• Investors risk
• Asset allocation
• Investment planning
• Tax planning strategies, calculation and procedures
• Legal framework for providing advice
• Asset classes
• Product types
• Applying suitable investment product solutions

• Financial protection
• Life assurance
• Income protection policies
• Mortgage related insurance
• Retirement planning
• Tax treatment of pensions
• State pension benefits
• Pension schemes
• Investment of pension funds
• Legislation and taxation

• UK financial services industry structure
• Financial asset classes
• Financial services products
• Financial advice and regular reviews
• Legal concepts
• UK taxation and social security
• Inflation, interest rate volatility
• Non tax laws
• FSA regulation
• FSA’s Conduct of business rules
• Anti money laundering rules
• Complaints and compensation
• Data Protection Act 1998

• Mortgage law, Policy, Practice and Markets
• Mortgage Applications
• Mortgage Payment Methods and Products
• Mortgage Arrears and Post-Completion Issues

• Definition of a Home reversion plan & alternative methods of equity release and capital raising
• The principles of equity release, the types of equity release schemes available and the applications for which such schemes might be appropriate
• The types of consumer at whom equity release is targeted and their personal requirements, wants and needs
• The circumstances where equity release may be appropriate and how these are influenced by the consumers’ preferences and financial needs
• Suitable equity release solutions to the circumstances of different types of consumers
• The suitability and affordability of the different types of HR plans and their principle alternatives for different types of consumer
• The advantages, disadvantages and potential risks to consumers associated with taking out equity release, and when these might arise 

• The different types of customers and their range of backgrounds, characteristics, requirements and needs
• The FSA concept of treating customers fairly (TCF), its scope and relevance and the benefits of implementing a TCF culture at all levels in the organisation
• The status of TCF within the financial services legal and regulatory framework, including the role and objectives of the FSA and how TCF fits into FSA principles and conduct of business requirements
• The responsibilities of firms in relation to TCF and how it impacts on customer relationship managements, quality of service and staff training, competence and effectiveness
• The implications of addressing TCF in practice, in areas such as product design, customer communication before and after point of sale, and complaints handling

• The role of the supervisor
• The leadership function and basic leadership theories/models
• Understanding various management/team theories and their role in team building and personal development
• Motivational theory
• The importance of objectives in managing performance
• The law relating to employment
• The background to and purpose of the FSA T&C requirements
• Record keeping requirements
• The principles of relationship management
• The principles of training and development

• Lending practices and products in the sub prime mortgage market
• The principles of bridging finance
• The key features of the right to buy market
• Arranging finance for self build projects
• The meaning and uses of equity release
• The key factors of using equity release to buy foreign property
• The key factors of using secured lending as a way of raising additional funds
• The principles of borrowing for investment
• The key features of lending principles in the buy to let market
• The key factors of buying property as an investment in a Self Invested Personal Pension

• The advice process
• The market for commercial mortgages and related solutions
• Common types of finance
• The regulatory and legal framework
• The different types of mortgage solution and the criteria for determining their suitability and affordability

• The expansion of financial services provision and competition
• The end of consumer deference and the rise of the litigious society
• Financial Services Compensation Scheme
• Treating Customers fairly
• Types of customer and segmentation
• Pension shortfalls
• Pre A-Day complaints
• Investment mis-selling
• Legislative considerations
• Dealing with difficult customers and controlling interactions
• The complaints investigation cycle
• Common investigation cycle
• Data Protection act 1998
• Record keeping and management information.

CeMAP1/CeFA1
CeMAP2
CeMAP3