Check Financial Promotions
Review marketing materials against FCA financial promotions rules before publication.
Who is this for
Compliance Teams & Marketing at FCA-regulated firms, networks, and AR firms. You need to sign off marketing materials — emails, landing pages, social media posts, brochures — against FCA ICOBS, MCOB, and Consumer Duty fair value rules before they go live.
What you'll do
- Upload the marketing material (PDF, screenshot, or text)
- The agent checks against FCA financial promotions rules including ICOBS, MCOB, and COBS
- Receive a report of issues: misleading claims, missing risk warnings, non-compliant comparisons
- Add the
consumer_dutymodifier for Consumer Duty fair value overlay
Submit a financial promotions check
Upload the marketing material for review. Works with PDFs, screenshots, or plain text content.
from curvestone import Agentagent = Agent()result = agent.check(case_type="financial_promotions_check",depth="standard",modifiers=["consumer_duty"],documents=[open("mortgage_email_campaign.pdf", "rb"),],reference="FP-2026-00034",metadata={"campaign": "spring-2026-mortgage-rates"},)print(result.triage) # green | amber | red
Response
Each check covers a specific area of FCA financial promotions compliance:
1{2 "id": "job_7mQk4xYrN3",3 "type": "check",4 "status": "completed",5 "triage": "red",6 "reference": "FP-2026-00034",7 "processing_time": "62s",8 "checks": [9 { "name": "Fair, Clear & Not Misleading", "triage": "red" },10 { "name": "Risk Warnings", "triage": "amber" },11 { "name": "Rate Comparisons", "triage": "green" },12 { "name": "Consumer Duty Fair Value", "triage": "green" },13 { "name": "Target Audience Suitability", "triage": "green" }14 ],15 "findings": [16 {17 "severity": "red",18 "check": "Fair, Clear & Not Misleading",19 "finding": "Headline claims 'lowest rates guaranteed' ...",20 "remedial_action": "Remove absolute guarantee language ..."21 },22 {23 "severity": "amber",24 "check": "Risk Warnings",25 "finding": "Missing 'your home may be repossessed' warning ...",26 "remedial_action": "Add required risk warning with equal prominence ..."27 }28 ],29 "cost": "£3.00"30}
What happens
FCA rules cross-reference
The agent checks the material against the relevant FCA sourcebook rules — MCOB for mortgage promotions, ICOBS for insurance, COBS for investments. Each finding references the specific rule that applies.
Batch review for campaigns
Reviewing a whole campaign? Submit each piece of material as a separate job with shared metadata to group results. Use the batch endpoint for large volumes.
Consumer Duty overlay
The consumer_duty modifier adds checks for fair value presentation, vulnerable customer considerations, and whether the promotion supports good customer outcomes.