{ "node": "uk-cm-kg", "door": "https://mcp.uk-cm-kg.ai", "market": "uk", "jurisdiction_namespace": "uk-eco-10060", "chapter": "uk.chapter.v21", "source": "Book of Markets mirror (allooloocmkgapex/book), read at request time", "kind": "book-section", "family": "AIO", "version": "uk.aio.v14", "supersedes": "uk.aio.v13", "book_path": "uk/sections/uk.aio.v14.json", "book_sha256": "sha256:bf76f650ec94f105bc706b3c527505b973c25775c73d29313471e7e9b96edb45", "section": { "section_id": "book:uk:aio", "family": "AIO", "schema": "SM-ECO-10060 canonical text v1.0 (2026-10-30) · chapter schema v0.1 (unratified) · Appendix C", "schema_version": "Appendix C 0.2 (TMKT-01: manufacturer_evidence_accepted)", "version": "uk.aio.v14", "supersedes": "uk.aio.v13", "market": "uk", "node": "uk-cm-kg", "produced_at": "2026-11-01T20:03:11Z", "observed": { "earliest_read": "2026-10-31T01:50:32Z", "latest_read": "2026-11-01T19:57:40Z" }, "fields": [ { "name": "duty_revision_ref", "value": "not_found", "read_at": "2026-10-31T01:50:32Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod3", "https://handbook.fca.org.uk/handbook/prod3/prod3s2", "https://handbook.fca.org.uk/handbook?entityId=cobs", "https://handbook.fca.org.uk/handbook/prod3/prod3s3", "https://handbook.fca.org.uk/handbook/prod3/prod3s3?timeline=true", "https://handbook.fca.org.uk/handbook/prod4" ], "conflict": { "values": [ { "value": "PROD Product Intervention and Product Governance Sourcebook, last updated June 2026", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "Product Governance Sourcebook www.handbook.fca.org.uk This sourcebook was last updated in June 2026", "source_date": "June 2026" } ], "reason": "review UNSUPPORTED: UNSUPPORTED\n\nThe excerpt does not confirm the **specific last updated date of June 2026** as a factual revision—it appears to be a placeholder or hypothetical future date rather than an official updat", "selection_rule": "none — unresolved (BOOK-02 records, does not resolve)" } }, { "name": "product_scope", "value": [ { "instrument_class": "Transferable securities", "rule": "Schedule 2 Part 1 para 1; Article 2(1)(24)", "covers": "shares in companies and other securities equivalent to shares in companies, partnerships or other entities, and depositary receipts in respect of shares; bonds or other forms of securitised debt, including depositary receipts in respect of such securities", "cfi_categories": "ES,EP,EL,ED,DB,DD", "source_url": "https://www.legislation.gov.uk/eur/2014/600/article/2", "source_date": "2026-10-15", "read_at": "2026-10-31T22:36:00Z" }, { "instrument_class": "Units in collective investment undertakings", "rule": "Schedule 2 Part 1 para 3", "covers": "Units in collective investment undertakings", "cfi_categories": "CI", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:36:00Z" }, { "instrument_class": "Options, futures, swaps, forward rate agreements and any other derivative contracts relating to securities, currencies, interest rates or yields", "rule": "Schedule 2 Part 1 para 4", "covers": "Options, futures, swaps, forward rate agreements and any other derivative contracts", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:36:00Z" }, { "instrument_class": "Derivative instruments for the transfer of credit risk", "rule": "Schedule 2 Part 1 para 8", "covers": "Derivative instruments for the transfer of credit risk", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:36:00Z" }, { "instrument_class": "Financial contracts for differences", "rule": "Schedule 2 Part 1 para 9", "covers": "Financial contracts for differences", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:36:00Z" }, { "instrument_class": "Emission allowances", "rule": "Schedule 2 Part 1 para 11", "covers": "Emission allowances consisting of any units recognised for compliance with the requirements of Directive 2003/87/EC", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:36:00Z" }, { "instrument_class": "structured deposits", "rule": "PROD 1.3.1R", "covers": "structured deposits", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T22:31:21Z" }, { "instrument_class": "Transferable securities", "rule": "S.I. 2001/544 Schedule 2 Part 1 para. 1", "covers": "Transferable securities", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:31:25Z" }, { "instrument_class": "Money-market instruments", "rule": "S.I. 2001/544 Schedule 2 Part 1 para. 2; Part 2 para. 2", "covers": "treasury bills, certificates of deposit, commercial papers", "cfi_categories": "DY", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2", "source_date": "2026-10-15", "read_at": "2026-10-31T22:31:25Z" }, { "instrument_class": "Units in collective investment undertakings", "rule": "S.I. 2001/544 Schedule 2 Part 1 para. 3", "covers": "Units in collective investment undertakings", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:31:25Z" }, { "instrument_class": "Financial contracts for differences", "rule": "S.I. 2001/544 Schedule 2 Part 1 para. 9", "covers": "Financial contracts for differences", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:31:25Z" }, { "instrument_class": "Emission allowances", "rule": "S.I. 2001/544 Schedule 2 Part 1 para. 11", "covers": "Emission allowances", "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "source_date": "2026-10-15", "read_at": "2026-10-31T22:31:25Z" }, { "instrument_class": "financial instruments", "rule": "PROD 1.3.1", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" } ], "read_at": "2026-10-31T22:36:51Z", "pages_checked": [ "https://www.legislation.gov.uk/eur/2014/600/article/2", "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://www.legislation.gov.uk/uksi/2001/544/schedule/2", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://www.legislation.gov.uk/uksi/2001/544/schedules/data.xht" ], "source_url": "https://www.legislation.gov.uk/eur/2014/600/article/2", "source_date": "2026-10-15", "conflict": { "values": [ { "object": { "instrument_class": "financial instruments", "rule": "PROD 1.3.1R", "covers": "", "cfi_categories": "" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "(5) manufacturing financial instruments and structured deposits; and", "source_date": "June 2026", "reason": "review PARTIAL: PARTIAL\n\nThe excerpt confirms that **PROD 1.3.1R** applies to the **manufacturing of financial instruments** (as stated in point 5), but the claimed value's \"covers\" field is empty, leaving ambiguity " }, { "object": { "instrument_class": "structured deposits", "rule": "PROD 1.3.1R; Article 2(1)(23)", "covers": "a deposit (see point (23A)), which is fully repayable at maturity", "cfi_categories": "" }, "source_url": "https://www.legislation.gov.uk/eur/2014/600/article/2", "quote": "“ structured deposit ” means a deposit (see point (23A)), which is fully repayable at maturity on terms under which interest or a premium will be paid or is at risk", "source_date": null, "reason": "review UNSUPPORTED: SUPPORTED, The page excerpt explicitly defines \"structured deposit\" in line with the claimed value, including the requirement for full repayment at maturity and the conditions for interest/premium pay" }, { "object": { "instrument_class": "Money-market instruments", "rule": "Schedule 2 Part 1 para 2; Part 2 para 2", "covers": "treasury bills, certificates of deposit, commercial papers and other instruments with substantively equivalent features", "cfi_categories": "DY" }, "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2", "quote": "means those classes of instruments which are normally dealt with on the money market, such as treasury bills, certificates of deposit, commercial papers and other instruments with substantively equivalent features", "source_date": null, "reason": "review UNSUPPORTED: SUPPORTED, the excerpt explicitly defines \"money-market instruments\" in Part 1 para 2 with the exact wording and examples (treasury bills, certificates of deposit, commercial papers, and substantively" }, { "object": { "instrument_class": "Options, futures, swaps, forwards and any other derivative contracts relating to commodities that must be settled in cash", "rule": "Schedule 2 Part 1 para 5", "covers": "Options, futures, swaps, forwards and any other derivative contracts relating to commodities", "cfi_categories": "" }, "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "quote": "Options, futures, swaps, [ F4 forwards ] and any other derivative contracts relating to commodities that must be settled in cash", "source_date": null, "reason": "review PARTIAL: PARTIAL\n\nThe excerpt includes the exact wording for commodity derivatives that **must be settled in cash**, but the claimed value omits the additional condition in the source (\"or may be settled in ca" }, { "object": { "instrument_class": "Options, futures, swaps, and any other derivative contract relating to commodities that can be physically settled", "rule": "Schedule 2 Part 1 para 6", "covers": "Options, futures, swaps, and any other derivative contract relating to commodities", "cfi_categories": "" }, "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "quote": "Options, futures, swaps, and any other derivative [ F6 contract ] relating to commodities that can be physically settled provided that they are traded on a", "source_date": null, "reason": "review PARTIAL: PARTIAL. The excerpt confirms the instrument class and rule (para 6), but the claimed value omits the key condition that the derivatives must be traded on a UK regulated market, MTF, or OTF (with exce" }, { "object": { "instrument_class": "Option, futures, swaps, forwards and any other derivative contracts relating to commodities, that can be physically settled not otherwise mentioned in point 6", "rule": "Schedule 2 Part 1 para 7", "covers": "Option, futures, swaps, forwards and any other derivative contracts relating to commodities", "cfi_categories": "" }, "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "quote": "Option, futures, swaps, forwards and any other derivative contracts relating to commodities, that can be physically settled not otherwise mentioned in point 6 of this Section and not being for commercial purposes", "source_date": null, "reason": "review PARTIAL: PARTIAL\n\nThe excerpt includes the core definition of the claimed value (derivative contracts relating to commodities that can be physically settled and not for commercial purposes), but the UK-specifi" }, { "object": { "instrument_class": "Options, futures, swaps, forward rate agreements and any other derivative contracts relating to climatic variables, freight rates or inflation rates or other official economic statistics", "rule": "Schedule 2 Part 1 para 10", "covers": "Options, futures, swaps, forward rate agreements and any other derivative contracts", "cfi_categories": "" }, "source_url": "https://www.legislation.gov.uk/uksi/2001/544/schedule/2/part/1", "quote": "Options, futures, swaps, forward rate agreements and any other derivative contracts relating to climatic variables, freight rates or inflation rates or other official economic statistics", "source_date": null, "reason": "review PARTIAL: PARTIAL\n\nThe excerpt includes the exact claimed quote under paragraph 4, but the claimed value specifies \"climatic variables, freight rates or inflation rates or other official economic statistics,\" w" } ], "reason": "objects that did not verify (each with its reason)", "selection_rule": "none — unresolved" } }, { "name": "client_categories", "value": [ { "identifier": "elective professional client", "criteria": "(1) adequate assessment of the expertise, experience and knowledge of the client (the \"qualitative test\"); (2) in relation to MiFID or equivalent third country business, at least two of the following criteria are satisfied (the \"quantitative test\"); (3) the following procedure is followed", "rule": "COBS 3.5.3R", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/COBS.pdf", "source_date": "September 2026", "read_at": "2026-10-31T21:25:47Z" }, { "identifier": "eligible counterparty", "criteria": "a client that is either a per se eligible counterparty or an elective eligible counterparty", "rule": "COBS 3.6.1R", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/COBS.pdf", "source_date": "September 2026", "read_at": "2026-10-31T21:25:47Z" } ], "read_at": "2026-10-31T21:26:22Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/COBS.pdf", "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/cobs3" ], "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/COBS.pdf", "source_date": "September 2026", "conflict": { "values": [ { "object": { "identifier": "per se professional client", "criteria": "(4) a national or regional government, including a public body that manages public debt at national or regional level, a central bank, an international or supranational institution ...; (5) another institutional investor whose main activity is to invest in financial instruments ...", "rule": "COBS 3.5.2R" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/COBS.pdf", "quote": "is a per se professional client, except for a client that is only a per se professional client because it is an institutional investor under COBS 3.5.2R(5)", "source_date": "September 2026", "reason": "review PARTIAL: PARTIAL\n\nThe excerpt confirms that a \"per se professional client\" includes institutional investors under COBS 3.5.2R(5), but the claimed value omits the exclusion explicitly stated in the excerpt (i.e" }, { "object": { "identifier": "per se eligible counterparty", "criteria": "(1) an investment firm; (2) a credit institution; (3) an insurance company; (4) a collective investment scheme authorised under the UK provisions which implemented the UCITS Directive or its management company; (5) a pension fund or its management company; (6) another financial institution authorised or regulated under the law of the United Kingdom; (8) a national government or its corresponding office ...; (9) a central bank; (10) a supranational organisation", "rule": "COBS 3.6.2R" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/COBS.pdf", "quote": "Each of the following is a per se eligible counterparty (including an entity that is not from the UK that is equivalent to any of the following) unless and to the extent it is given a different categorisation under this chapter:", "source_date": "September 2026", "reason": "review UNSUPPORTED: SUPPORTED, The page excerpt directly lists all the criteria in COBS 3.6.2R as claimed, including the exact entities for \"per se eligible counterparty\" in the UK market." }, { "object": { "identifier": "elective eligible counterparty", "criteria": "(1) is an undertaking; (2) is a per se professional client, except for a client that is only a per se professional client because it is an institutional investor under COBS 3.5.2R(5); and (3) requests such categorisation", "rule": "COBS 3.6.4R; COBS 3.6.4AR" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/COBS.pdf", "quote": "a firm may treat a client as an elective eligible counterparty in relation to MiFID or equivalent third country business if the client:", "source_date": "September 2026", "reason": "review PARTIAL: PARTIAL\n\nThe excerpt confirms the criteria for elective eligible counterparty status for **MiFID or equivalent third country business** (COBS 3.6.4AR), including the requirement that the client is an " } ], "reason": "objects that did not verify (each with its reason)", "selection_rule": "none — unresolved" } }, { "name": "target_market", "value": "not_found", "read_at": "2026-10-31T02:26:31Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod3", "https://handbook.fca.org.uk/handbook/prod3/prod3s2", "https://handbook.fca.org.uk/handbook?entityId=cobs", "https://handbook.fca.org.uk/handbook/prod3/prod3s3", "https://handbook.fca.org.uk/handbook/prod3/prod3s3?timeline=true", "https://handbook.fca.org.uk/handbook/prod4" ] }, { "name": "negative_target_market", "value": "not_found", "read_at": "2026-10-31T18:25:39Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide" ] }, { "name": "distribution_conditions", "value": [ { "condition": "must comply with PROD 3 to the extent that it is within the scope of PROD 1.3.1R", "party": "POP operator", "rule": "PROD 1.3.17(1)", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" } ], "read_at": "2026-10-31T18:25:39Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide" ], "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "conflict": { "values": [ { "object": { "condition": "must comply with the requirements in Principle 12 and PRIN 2A", "party": "POP operator", "discharged_by": "", "rule": "PROD 1.3.17(2)" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "(2) Where a POP operator's activity is not within the scope of PROD 1.3.1R, it must", "source_date": "June 2026", "reason": "review PARTIAL: PARTIAL\n\nThe excerpt confirms that a POP operator must comply with Principle 12 and PRIN 2A when its activity is *not* within the scope of PROD 1.3.1R, but the claimed value does not specify this crit" } ], "reason": "objects that did not verify (each with its reason)", "selection_rule": "none — unresolved" } }, { "name": "required_assessments", "value": "not_found", "read_at": "2026-10-31T21:26:28Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod3/prod3s3", "https://handbook.fca.org.uk/handbook/prod1/prod1s3", "https://handbook.fca.org.uk/handbook/prod3" ] }, { "name": "product_documentation", "value": "not_found", "read_at": "2026-10-31T18:25:46Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod3" ] }, { "name": "manufacturer_distributor_roles", "value": [ { "actor": "POP operator", "role": "a distributor for the purposes of PROD 3", "rule": "PROD 1.3.17", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" } ], "read_at": "2026-10-31T18:25:46Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod3" ], "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "conflict": { "values": [ { "object": { "actor": "insurance intermediary", "role": "considered a manufacturer where an overall analysis of their activity shows that it has a decision-making role in designing and developing an insurance product for the market", "rule": "PROD 1.4.4" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "an insurance intermediary will be considered a manufacturer where an overall analysis of their activity shows that it has a decision-making role in designing and developing an insurance product for the market.", "source_date": "June 2026", "reason": "review UNSUPPORTED: SUPPORTED, The excerpt directly quotes PROD 1.4.4(1), which matches the claimed value and supporting quote verbatim." } ], "reason": "objects that did not verify (each with its reason)", "selection_rule": "none — unresolved" } }, { "name": "review_triggers", "value": "not_found", "read_at": "2026-10-31T18:25:48Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod3" ] }, { "name": "evidence_requirements", "value": "not_found", "read_at": "2026-10-31T02:26:31Z", "pages_checked": [ "https://handbook.fca.org.uk/handbook?entityId=prod", "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/handbook/prod3", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod4", "https://handbook.fca.org.uk/handbook/prod3/prod3s3" ] }, { "name": "manufacturer_evidence_accepted", "read_at": "2026-11-01T19:57:40Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://www.handbook.fca.org.uk/handbook/PROD/3/3.html", "https://handbook.fca.org.uk/handbook/prod3/prod3s3", "https://handbook.fca.org.uk/handbook/prod3", "https://handbook.fca.org.uk/handbook/prod3/prod3s2", "https://www.handbook.fca.org.uk/handbook/PROD/3.pdf" ], "value": "not_found" }, { "name": "exceptions", "value": [ { "exception": "eligible counterparty business", "condition": "PROD 3.3.1R does not apply", "provision": "PROD 1.3.3", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" }, { "exception": "plain vanilla listed bonds", "condition": "issued by an ESCC issuer or ESCC subsidiary; PROD 3.2.19R to PROD 3.2.26R do not apply", "provision": "PROD 1.3.3A", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" }, { "exception": "Consumer Duty", "condition": "to the extent that it is required to comply with the Consumer Duty in relation to a product", "provision": "PROD 1.3.2(2)", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" }, { "exception": "general insurance contract distributed to larger commercial customers", "condition": "who make the arrangements preparatory to them concluding the contract of insurance; meets the conditions in PROD 1.4.3-AR", "provision": "PROD 1.4.3(1)(b)", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" }, { "exception": "reinsurance contract", "provision": "PROD 1.4.3(2)", "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "read_at": "2026-10-31T18:24:28Z" } ], "read_at": "2026-10-31T18:25:48Z", "pages_checked": [ "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook?entityId=prod", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod3" ], "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "source_date": "June 2026", "conflict": { "values": [ { "object": { "exception": "overseas persons exclusions", "condition": "would fall within the overseas persons exclusions in article 72 of the Regulated Activities Order", "provision": "PROD 1.3.5(2)" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "would fall within the overseas persons exclusions in article 72 of the Regulated Activities Order", "source_date": "June 2026", "reason": "review PARTIAL: PARTIAL\n\nThe excerpt mentions the overseas persons exclusions in **PROD 1.3.5(2)(a)** but does not explicitly confirm whether the specific condition (\"would fall within the overseas persons exclusions" }, { "object": { "exception": "specialist risks contract", "condition": "which meets the conditions in PROD 1.4.3-AR", "provision": "PROD 1.4.3(1)(a)" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "PROD 4 does not apply in relation to an insurance product that is: (1) (a) a specialist risks contract; or", "source_date": "June 2026", "reason": "review PARTIAL: PARTIAL\n\nThe excerpt confirms that PROD 4 does not apply to a \"specialist risks contract\" (PROD 1.4.3(1)(a)), but it does not explicitly confirm whether the specific contract in question meets the con" }, { "object": { "exception": "bespoke insurance contract", "condition": "within the meaning of PROD 1.4.3-CR", "provision": "PROD 1.4.3(3)" }, "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "A bespoke insurance contract in PROD 1.4.3R(3) is a non-investment insurance contract where the requirements in (2) are met", "source_date": "June 2026", "reason": "review PARTIAL: PARTIAL\n\nThe excerpt defines a \"bespoke insurance contract\" under **PROD 1.4.3-CR** and confirms it falls within **PROD 1.4.3(3)**, but the claimed quote misrepresents the source by omitting critical " } ], "reason": "objects that did not verify (each with its reason)", "selection_rule": "none — unresolved" } }, { "name": "orderability_profile_ref", "value": "not_found", "read_at": "2026-10-31T02:26:32Z", "pages_checked": [ "https://handbook.fca.org.uk/handbook?entityId=prod", "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/handbook/prod3", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod4", "https://handbook.fca.org.uk/handbook/prod3/prod3s3" ] }, { "name": "sources", "value": "not_found", "read_at": "2026-10-31T01:50:32Z", "pages_checked": [ "https://handbook.fca.org.uk/handbook?entityId=prod", "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "https://handbook.fca.org.uk/handbook/prod1", "https://handbook.fca.org.uk/handbook/prod3", "https://handbook.fca.org.uk/guides/reader-guide", "https://handbook.fca.org.uk/handbook/prod4", "https://handbook.fca.org.uk/handbook/prod3/prod3s3" ], "conflict": { "values": [ { "value": [ { "title": "PROD Product Intervention and Product Governance Sourcebook", "publisher": "FCA Handbook", "last_updated": "June 2026" } ], "source_url": "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf", "quote": "Product Governance Sourcebook www.handbook.fca.org.uk This sourcebook was last updated in June 2026", "source_date": "June 2026" } ], "reason": "review UNSUPPORTED: UNSUPPORTED\n\nThe excerpt does not confirm the *specific* last updated date of **June 2026**—it only repeats the same generic statement (\"last updated in June 2026\") without independent verification or", "selection_rule": "none — unresolved (BOOK-02 records, does not resolve)" } } ], "reading": { "run": "reads/TMKT01-2026-11-01", "order": "TMKT-01 (2026-11-01): manufacturer_evidence_accepted read against the regime's distributor and manufacturer provisions, per required item (Appendix C 0.2)", "read_at": "2026-11-01T19:57:40Z", "engines": { "search": "perplexity sonar", "reader": "claude-opus-5-5", "review": "mistral-large-latest (review-only)" }, "pages": { "https://api-handbook.fca.org.uk/files/sourcebook/PROD.pdf": { "status": 200, "sha256": "sha256:7a88471654b6ddc5fcd7b327bbc14498c00dafabfb0c1bf25a97cb7e67d2dc33", "read_at": "2026-11-01T19:57:17Z", "last_modified": "Sun, 01 Nov 2026 19:57:16 GMT" }, "https://www.handbook.fca.org.uk/handbook/PROD/3/3.html": { "status": 200, "sha256": "sha256:76d2b50be207004c6fd8dac70366be5004ac6b65ccd37d2ab0ed68cf747a93aa", "read_at": "2026-11-01T19:57:21Z", "last_modified": null }, "https://handbook.fca.org.uk/handbook/prod3/prod3s3": { "status": 200, "sha256": "sha256:76d2b50be207004c6fd8dac70366be5004ac6b65ccd37d2ab0ed68cf747a93aa", "read_at": "2026-11-01T19:57:21Z", "last_modified": null }, "https://handbook.fca.org.uk/handbook/prod3": { "status": 200, "sha256": "sha256:76d2b50be207004c6fd8dac70366be5004ac6b65ccd37d2ab0ed68cf747a93aa", "read_at": "2026-11-01T19:57:21Z", "last_modified": null }, "https://handbook.fca.org.uk/handbook/prod3/prod3s2": { "status": 200, "sha256": "sha256:76d2b50be207004c6fd8dac70366be5004ac6b65ccd37d2ab0ed68cf747a93aa", "read_at": "2026-11-01T19:57:21Z", 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