Topic 21 is a biggie — and if you're aiming to pass CeMAP 1 with confidence, this episode is a must-listen.

In this session, we down everything you need to know around mortgage conduct, consumer protection, and when firms are allowed to do what (and how). Expect clarity, real-life examples, and a few reminders that yes, you’re absolutely capable of smashing this.

Here’s what we cover:

✅ MCOBS – What it is, who it applies to, and why it matters

✅ Mortgage Credit Directive (MCD) – How it shaped UK mortgage advice rules

✅ Consumer Buy-to-Lets – What counts, what doesn’t, and what advisers need to do

✅ Arrears & Repossessions – What firms must do when a customer is falling behind

✅ Execution-Only Business – What qualifies and why it’s so tightly regulated

✅ Vulnerable Customers – What the FCA expect ...