Sets conduct of business rules for UK-regulated firms providing investment and financial services to clients.
12
Rules extracted
157
Obligations decomposed
13.1x
Avg obligations per rule
🇬🇧 United Kingdom
Jurisdiction
COBS sets out the FCA's conduct of business rules for firms carrying on designated investment business, accepting deposits, and conducting long-term insurance business. It implements key MiFID II conduct requirements in the UK and covers client categorisation, financial promotions, suitability, appropriateness, best execution, client order handling, research and inducements, and reporting to clients. COBS applies to all FCA-authorised firms conducting investment business with retail and professional clients in the UK.
Source
1
Regulation
Extracted
12
Rules
Decomposed
157
Obligations
Decomposition ratio
Each rule is decomposed into an average of 13.1 atomic obligations — the smallest testable units that can be independently violated.
Fully extracted & scored
All 157 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.
Every obligation in COBS is scored across independent risk dimensions:
Obligation Weight
How critical within the regulatory framework
Violation Likelihood
How often breached in practice
Enforcement Evidence
Regulator enforcement history and penalties
Cascade Dependency
How many obligations depend on this one
Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for COBS — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.
High-level commitments and governance framework covering COBS requirements.
Step-by-step operational procedures to implement each policy commitment.
Ready-to-use forms, registers, and checklists for day-to-day compliance operations.
Combine COBS with other regulations into a single unified compliance pack for your business.
Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.
Your document is scored against every obligation in COBS. Each claim is mapped to the obligation tree and evaluated for coverage.
Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.
14 rules, 58 obligations
13 rules, 83 obligations
13 rules, 211 obligations
10 rules, 150 obligations
12 rules, 153 obligations
10 rules, 52 obligations
16 rules, 260 obligations
9 rules, 135 obligations
Upload your document and get a risk-scored gap analysis against 157 COBS obligations in under 5 minutes.