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Financial CEMAP-1 : Certificate in Mortgage Advice and Practice (CeMAP) Exam

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CEMAP-1 exam Format | CEMAP-1 Course Contents | CEMAP-1 Course Outline | CEMAP-1 exam Syllabus | CEMAP-1 exam Objectives


The purpose and structure of the UK financial services industry
The Financial Conduct Authoritys (FCAs) main aims- activities and relevant Conduct of Business rules
The house-buying process and parties involved
The different types of customers and mortgages
How to assess the affordability and suitability of different mortgage options and associated products

Purpose and structure of the UK financial services industry.
• Financial Conduct Authority (FCAs) main aims- activities and relevant Conduct of Business rules.
• The house-buying process and parties involved.
• The different types of customer and their need for different types of mortgage.
• Assessment of affordability and suitability of different mortgage options and associated products.

- understand the structure and regulation of the UK financial services industry- asset classes and the interaction between the types of financial services products and clients requirements
- understand the main asset classes and features of financial services products- and the main financial advice areas
- understand the process of giving financial advice- the basic legal concepts- and the basic UK tax and benefits system
- understand the impact of inflation- interest rate volatility and other socio-economic factors relating to personal financial plans
- Detail Assess area
- understand the role of oversight groups- the requirements of the regulator and other laws relating to the provision of advice
- understand the non-tax laws- regulations and codes of conduct features of the regulators Conduct of Business Rules and how they apply to clients
- understand the regulator approach to regulation and how the rules affect the control and structures of firms
- understand how anti-money laundering regulations apply 7
- understand the main features of rules for dealing with complaints and how the Data Protection Act affects the provision of financial advice
- Detail Assess area
- know the regulatory definition of different types of mortgages- Buy to Let mortgages- Consumer Buy to Let mortgages- second charges and equity release
- know the house-buying process- the key parties involved and their roles 2
- know the process and implications of buying property at auction 3
- know the common types of borrower and how their main mortgage related requirements may differ and what factors may disqualify people from borrowing
- understand the main requirements of the Mortgage Conduct of Business Rules and the legislation affecting mortgages
- understand the economic and regulatory context for giving mortgage advice 6 Unit 4
Detail Assess area
- understand the role of a Mortgage Adviser 1
- understand the purpose of additional security- including the role of guarantors 2
- understand the fees and charges involved in arranging a mortgage 3
- know the principal types of property defect that surveys can identify and understand their implications when seeking a mortgage
- understand the principal factors affecting the value of property 5
- understand the different forms of valuation and survey 6
- understand the need to obtain Local Authority planning consent for house development/extensions
Detail Assess area
- understand the key features of the different types of mortgage repayment options and their benefits and drawbacks for different types of borrower
- understand the key features of the different types of mortgage product and interest rate options
- understand the main features and functions of different forms of life assurance and other insurances
Detail Assess area
- understand the principles and procedures associated with raising additional money and the circumstances when further borrowing might be appropriate
- understand the principles- procedures and costs of transferring mortgages 2
- understand the principles of using mortgages within debt consolidation arrangements 3
- understand the implications for the borrower of the non-payment of mortgages- other breaches of the Mortgage Deed- non-payment of building insurance and the options available
- understand the legal rights and remedies available to lenders in respect of non-payment from borrowers
- understand the main provisions made by the State to assist consumers in difficulties over the repayment of mortgages
Detail Assess area
- analyse consumers circumstances and suitable mortgage solutions taking account of any existing arrangements
- apply suitable mortgage solutions to specific consumers circumstances 2



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Financial in PDF Download

monetary records unbound: The cost of open information for individuals and institutions | CEMAP-1 exam Cram and Real exam Questions

As countries all over the world seem to be to make sure rapid recovery once the COVID-19 disaster abates, improved fiscal functions are emerging as a key aspect to raise increase, elevate economic efficiency, and lift productiveness. effective digital monetary infrastructure proved its value during the disaster, helping governments cushion individuals and groups from the economic shock of the pandemic. The subsequent frontier is to create an open-statistics ecosystem for finance.

Already, technological, regulatory, and aggressive forces are relocating markets towards more straightforward and safer economic statistics sharing. Open-data initiatives are bobbing up globally, together with the UK’s Open Banking Implementation Entity, the eu Union’s second payment capabilities directive, Australia’s new consumer insurance policy laws, Brazil’s drafting of open information instructions, and Nigeria’s new Open expertise basis (Open Banking Nigeria). in the united states, the purchaser monetary protection Bureau aims to facilitate a purchaser-approved statistics-sharing market, while the monetary records alternate consortium attempts to promote commonplace, interoperable requirements for secure access to fiscal statistics. Yet, at the same time as many international locations put in area improved digital economic infrastructure and facts-sharing mechanisms, COVID-19 has exposed limitations and gaps in their attain, a theme we explored in earlier research.

This dialogue paper from the McKinsey global Institute (down load full textual content in 36-web page PDF) appears on the knowledge price that may well be created—and the key concerns with the intention to deserve to be addressed—by way of the adoption of open records for finance. We focal point on four regions: the eu Union, India, the UK, and the united states.

with the aid of open data, we suggest the capacity to share economic statistics through a digital ecosystem in a manner that requires confined effort or manipulation. advantages encompass greater correct credit chance assessment and possibility-based pricing, enhanced workforce allocation, enhanced product start and client carrier, and better fraud insurance policy.

Our evaluation suggests that the raise to the economic system from large adoption of open-information ecosystems may latitude from about 1 to 1.5 p.c of GDP in 2030 within the European Union, the United Kingdom, and the united states, to as much as 4 to five p.c in India. All market individuals improvement, be they institutions or buyers—either people or micro-, small-, and medium-sized corporations (MSMEs)—albeit to varying levels.

shooting the complete price requires each a level of information standardization and a breadth of statistics sharing that don't seem to be yet present in many economies. certainly, our research suggests that more than half the capabilities price remains inaccessible, above all the value that financial associations could profit directly through improved effectivity and decreased fraud fees. using open facts raises questions about consumer consent, information coverage, and cybersecurity. but when these issues are addressed, the innovation such ecosystems might allow would be a spur to economic recovery and broader-based prosperity.

Open monetary statistics create financial price across a big range of interactions between patrons and financial institutions

economic data are created or used all the way through the life cycle of monetary features. They accompany every step of the consumer event and are used in each action taken by using fiscal associations as they interact with purchasers.

Our research identifies seven extensive mechanisms in which open financial statistics can create economic cost. Three at once improvement individual and MSME purchasers: accelerated access to financial features, more advantageous consumer convenience, and more suitable product alternate options. The other 4 mechanisms at once advantage fiscal associations: elevated operational efficiency, stronger fraud protection, more advantageous workforce allocation, and reduced friction in statistics intermediation.

To dimension the average financial cost that open monetary facts can create, we quantify the capabilities of 24 use circumstances in banking and payments. We then scale up from these use cases to increase a broader view of the macroeconomic positive aspects.

For patrons within the economic functions existence cycle, advantages encompass the following:

  • extended entry to financial capabilities. records sharing permits clients to buy and use fiscal services to which they could no longer in any other case have entry. as an example, where limited statistics from typical documentary sources can also disqualify buyers from having access to loans, open monetary facts can help examine the creditworthiness of borrowers by sourcing hire, phone, and utility bills. individuals and MSMEs with skinny files or no formal records can gain access to formal credit, commonly for the primary time. One Experian examine showed that including utility information allowed 20 p.c of consumers with scant documentation in support of their credit score utility to stream on to turn into “thick-file” customers. Scaling such features to an economic climate-vast stage, we discover that accelerated entry to credit the usage of alternative information might carry an financial system’s credit-to-GDP ratio by way of 20 foundation elements within the u.s. and the ecu Union. In India, the lift may well be as lots as one hundred thirty basis facets, the equivalent of about $80 billion to $ninety billion in GDP with the aid of 2030.
  • superior person convenience. facts sharing saves time for customers of their interactions with their monetary features company. MSMEs can deliver documentation sooner all the way through consumer onboarding, for example. Open access to information on obtainable loan items, with functions automatically prefilled, allows for consumers to follow for loans without wanting to make use of mortgage brokers. This no longer best eases the manner but additionally allows for shoppers to benefit from the most desirable quotes. in the uk, which brought its Open Banking device in 2018, startups use open-banking records to permit short and easy loan applications to all participating providers for free of charge, unlike average personal loan brokers who can charge arrangement expenses.
  • stronger product alternatives. Open economic data can broaden and enhance the range of product alternate options attainable to consumers, saving them money. as an instance, an open-records ecosystem makes it less difficult to switch accounts from one institution to another, helping retail and MSME consumers obtain the most useful yield.
  • For monetary institutions, merits span the total life cycle and encompass here:

  • elevated operational effectivity. since most statistics are still found in physical documents or disparate digitized sources, open financial records might reduce charges and make it simpler to undertake automation applied sciences, with the linked effectivity increase. this can increase experience for customers by using merchandising quicker and greater transparent interactions with suppliers. In India, as an example, using the countrywide digital identification gadget, Aadhaar, for “recognize your customer” (KYC) verification of retail patrons reportedly decreased prices for economic institutions from about $5 per consumer to $0.70. For loan underwriting, sharing borrowers’ facts enables common mortgages to move through automated underwriting. economic data sharing also helps keep away from numerous guide information handoffs that result in blunders, remodel, and less productive consequences. It drastically reduces the charges linked to remediating dangerous customer relationship administration information, at present estimated at 20 percent of a typical fiscal establishment’s salary.
  • enhanced fraud prediction. The affiliation of licensed Fraud Examiners estimates total fraud (including however additionally extending beyond monetary features) at more than $four.5 trillion yearly, or the equivalent of about 5 percent of international corporate revenue. Fraud in financial services takes distinct guises, including synthetic and conventional identity fraud, payments fraud, and credit software fraud. precise-time entry to customer data can aid superior recommendations to establish and reduce expenses involving these and different sorts of fraud. Sharing facts provides extra evidence and clues with which to flag suspicious undertaking. This helps associations construct out their predictive modeling of fraud and capture instances previous. Cifas, a now not-for-earnings fraud prevention company within the uk, says that its individuals reported greater than 350,000 instances of fraud in 2019, fighting fraud totaling ÂŁ1.5 billion.
  • stronger staff allocation. agencies can use open records to improved allocate and target their group of workers, assigning group of workers to the optimum-price actions. This helps them more advantageous center of attention their calls on high-possibility clients, cut back the time spent monitoring credit of low-chance consumers, and in the end get well extra debt.
  • decreased friction from records intermediation. This mechanism is most significant to monetary associations earlier than they have direct skills of a potential customer, similar to in lead era or mortgage origination, and so appear to acquire and use facts from third-party providers. The missing details can range from fundamental identification data to greater behavioral assistance. Open data programs enable direct access to facts through the use of utility programming interfaces (APIs) for records intermediation, which reduces friction. within the united states, for instance, where almost half of all personal loan suppliers rely on third-birthday celebration data for loan origination, similar to credit records, KYC statistics, and property valuation records. These statistics can cost as a great deal as $80 per personal loan utility, however with open statistics for finance, a great deal of this assistance is becoming more publicly obtainable.
  • demonstrate 1 demonstrates the knowledge economic features by means of vicinity from an instance use case linked to every of the seven mechanisms for developing price. The bubbles in blue represent the biggest capabilities profit.

    reveal 1

    We strive to deliver people with disabilities equal entry to our site. if you would like tips about this content material we may be satisfied to work with you. Please electronic mail us at: McKinsey_Website_Accessibility@mckinsey.com The advantage cost of open fiscal records tiers from 1 p.c to as a great deal as 5 percent of GDP, reckoning on economic constitution and tiers of economic access

    Aggregating the skills GDP have an effect on throughout the 24 use instances to the economic system level, we discover massive cost at stake universal and for all market members. the overall abilities GDP have an impact on from open fiscal data in 2030 is optimum for India, at 4 to five percent. We estimate the influence for the eu Union, the UK, and the us to be between 1 and 1.5 p.c of GDP (reveal 2).

    reveal 2

    We strive to deliver individuals with disabilities equal access to our web site. if you would like counsel about this content material we can be happy to work with you. Please email us at: McKinsey_Website_Accessibility@mckinsey.com

    The differences are the result of a couple of factors, customarily structural elements of economies. particularly, rising economies tend to have lower tiers of fiscal entry and fewer financial depth, which means the lift in value advent they might obtain with open records is giant. India has gigantic unmet want for retail and MSME credit. It thus has greater economic increase competencies for every unit of real capital brought, as a result of open monetary records improves credit entry.

    MSMEs also improvement from time saved in opening debts; this is able to translate into better GDP, assuming the time saved turned into deployed in market-based financial actions in preference to, say, amusement. In India, the time saving accruing to MSMEs may make them the biggest beneficiary section, with more than 60 % of the competencies economic value from our use circumstances accruing to them.

    in the uk and the us, by way of evaluation, while we estimate that people would catch the largest share of cost, fiscal associations also have huge cost at stake. in the European Union, economic institutions would gain the greatest share of value, nearly forty five percent of the full.

    For each and every vicinity, we locate changes within the share of GDP have an effect on in each and every essential step in the financial capabilities existence cycle and for each and every of the seven mechanisms.

    India stands out, with a more suitable share of financial value, about 75 percent of the entire, coming from the decisioning and onboarding part of the life cycle, exceptionally linked to elevated access to economic functions. this is as a result of the big skills of opening entry to credit score to at present excluded individuals and MSMEs. more advantageous user comfort from simplified onboarding techniques for brand new shoppers, in particular MSMEs, additionally saves meaningful amounts of time.

    within the European Union, the UK and the united states, the percentage of financial price from decisioning and onboarding is reduce than that in India, while the share from servicing and monitoring is greater, ranging between 35 and 45 p.c of the full. within the united states, the price at stake in terms of decisioning and onboarding is higher than in the European Union on account of the size of the credit gap for the nation’s many MSMEs.

    The main difference between the eu Union and the United Kingdom is within the breakdown of expertise price linked to servicing and monitoring. within the uk, we estimate basically half of this value might flow from enhanced product alternate options, pushed by means of the skills for MSMEs to boost their deposit yields via less demanding account switching. within the European Union, the place the average MSME is below half the size of those within the united kingdom and complete MSME savings are decrease, the relative capabilities value coming from account switching is smaller.

    shooting the total expertise cost of open facts for finance requires information standardization and breadth of records sharing

    The cost creation mechanisms require varying degrees of records standardization and breadth of statistics sharing for his or her abilities to be captured (display 3).

    exhibit 3

    We try to give individuals with disabilities equal entry to our site. if you want assistance about this content we will be chuffed to work with you. Please e mail us at: McKinsey_Website_Accessibility@mckinsey.com

    by way of standardization, we imply the extent to which standardized mechanisms exist for sharing facts and the linked charge of entry. In some use cases, facts sharing occurs handiest via ad hoc ability. as an instance, consumers desirous to acquire automated entry to competitive mortgages need to supply the same specific mortgage application records to numerous suppliers. To function at scale, other facts-sharing use instances require facts to be sourced without problems via standardized APIs at minimal can charge.

    Breadth refers to how widely records are shared and the mechanisms in region that power that information sharing. Some use instances work when individuals can request specific facts to be shared on an advert hoc foundation. as an instance, consumers can benefit from faster personal loan closure when they're able to grant their potential lender on-off access to the mandatory statistics. To function at scale, other use circumstances require facts sharing over time across a big range of styles of economic records, albeit with buyer consent. An example of an ecosystem with vast statistics sharing is India, where banks must share all purchaser facts including own nonfinancial and financial statistics at the request of buyers by the use of inner most however totally standardized APIs developed on a publicly constructed know-how ecosystem called IndiaStack. patrons can decide to share their data with digital nonbank lenders by way of an app to comfortable loans.

    From our research, we see that consumers (both people and MSMEs) require reasonable degrees of standardization and breadth of statistics sharing to reap the merits of open statistics. associations, in contrast, might simplest entry full advantages when the level of standardization and breadth of information sharing are greater.

    Economies differ of their present tiers of statistics standardization and breadth of information sharing

    The classification of facts-sharing ecosystem utilized in an economic system depends upon multiple elements together with local market conditions, the robustness of current digital fiscal infrastructure, and law, including client insurance policy laws and mechanisms. within the 4 economic regions on which we center of attention, we locate enormous differences in the degree of standardization and breadth of statistics sharing (exhibit four).

    show four

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    within the European Union and the UK, for instance, we find a excessive stage of standardization mixed with tremendously less breadth of records sharing. In such information ecosystems, a restricted subset of economic statistics is available by the use of extremely standardized and regulated APIs. The data are obtainable and usable for third-party provider providers such as monetary know-how businesses and different banks. as an instance, within the uk, APIs are obligatory for most account and direct debit information, equivalent to address, beneficiary, and price time stamp. entry to records outdoor of the subset is extra restrained and at the discretion of every individual monetary services company.

    in the European Union, the second fee capabilities directive stipulates that records certain to payments be shared by the use of incredibly standardized APIs. at the same time, separate records privateness laws hinder the sharing, harvesting, and use of alternative monetary and nonfinancial facts, together with, for example, monitor scraping, a standard sort of records gathering in the u.s..

    For its part, the us has a broad latitude of records sharing, but records standardization is extra limited. financial statistics aggregators broking service information flow between providers and clients, with confined buyer control. here's basically on account of an absence of robust federal regulation involving information privateness and a personal-market strategy to statistics sharing. This has made inner most records aggregators the de facto standard setters for a way data are shared.

    In India, a comparatively extensive latitude of statistics is shared and there is some diploma of standardization. inner most APIs in India are developed with the aid of licensed statistics aggregators on IndiaStack. facts aggregators broker facts sharing across institutions the use of this common, and buyers can view the information and share at once with price systems avid gamers.

    best low to moderate degrees of economic price are available with today’s tiers of facts standardization and records-sharing breadth

    a country’s level of facts standardization and breadth of records sharing units the talents price from open financial records it may access these days. reveal 5 suggests the talents price the eu Union, the UK, the U.S., and India could derive from open statistics, and their latest level of standardization and breadth of information sharing. (click on the nation identify to exchange view).

    within the European Union, the United Kingdom, and the us, present facts ecosystems depart much of the advantage price at stake inaccessible.

    each the U.S. and the ecu Union can presently trap simplest a small fraction of the capabilities value from open economic statistics—lower than 10 percent, in our estimate. in the u.s., the constraint is lack of standardization, while in the European Union it is restricted breadth of statistics sharing. within the united kingdom, somewhat more cost—we estimate between 30 and forty p.c—is at the moment purchasable.

    India is more advantageous poised to trap price nowadays. Its open facts ambiance positions it to access between 60 and 70 % of the expertise value that open financial information could present, offered different enablers are in area, as we describe within the subsequent section.

    Navigating chance and implementation challenges

    taking pictures the price from open monetary information requires more than ample statistics standardization and breadth of facts sharing: users—each patrons and suppliers—must have confidence the system, and infrastructure is needed to guide it. These components together give the groundwork for advantage economic features from open economic records, both these which we dimension and those that future innovation can also make possible.

    well-situated trust. An open-statistics ecosystem can feature comfortably handiest by attaining a degree of neatly-situated trust among all the contributors. devoid of this, market participants—whether particular person patrons or agencies—may additionally choose out. fiscal facts are in particular delicate, and users usually tend to are looking to share information if they understand what they are sharing and why that sharing is advantageous to them. amazing buyer monetary protections are additionally necessary to keep away from economic discrimination and foster have confidence. Absent an automated or convenient mechanism for correction of data errors and updating to reflect adjustments to life cases, problematic information could block someone or MSME from getting access to a mandatory economic product at a good fee. person have confidence is also encouraged when threats to cybersecurity are anticipated and mitigated. Breaches can ensue all through switch of information, or at any establishment involved within the open records ecosystem, similar to a financial institution or fintech. as an example, when records switch is achieved by the use of APIs, a hacker who breaches such an API can hijack any apps that use the interface to compile facts. because of this, open APIs require powerful consumer authentication. a success information ecosystems are inclined to have constructed-in safeguards to be certain privacy and protection while giving users access to their own statistics, choice rights over who else has access to that information, and transparency about who has accessed it.

    amazing fiscal infrastructure. economic money owed and digital fee channels, together with digital identification techniques with large inhabitants coverage, are essential structural elements obligatory to harness the cost of open financial statistics. high-assurance digital identification enables person control of information, privateness protections, safety for online interactions, and reduces friction in managing online debts. Open-facts methods with out high-assurance digital IDs could make it more durable for patrons to preserve track of their digital footprint or use their statistics securely and efficaciously. on the same time, digital identity can support deliver guide mighty client authentication and aid manage against cyberattacks. for a lot of emerging economies, primary internet entry, smartphone penetration, and reliability of electrical energy are also prerequisites for shooting the total economic price of a knowledge-sharing ecosystem. Shortfalls in these facets restrict the price of open economic facts that may be captured.

    looking forward: the function of innovation in open facts unbound

    shooting the cost accessible nowadays from open economic information will require innovation. at the identical time, the extra price becomes accessible, via raises in standardization, breadth, or each, the extra the capabilities for innovation will develop, doubtless beyond use situations we will envisage these days.

    Market members will need to develop and scale items and functions that tackle particular use cases, together with but now not restrained to the 24 main ones we profile in this research. so that it will entail opting for new business opportunities, designing customer price propositions, and scaling new company models throughout the economic capabilities cost chain.

    different types of innovators, from usual banking incumbents to expertise platform-primarily based avid gamers and new fintech startups, might all play meaningful roles, focusing on their areas of strength and aggressive abilities. The certain sorts of innovators would fluctuate by market and rely upon the structure of the financial information ecosystem. expanding the boundaries of open-information enablement would make new forms of use circumstances feasible, fueling more advantageous innovation and more desirable cost seize.


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