Home > Use cases > Prescribed risk warning (UK)

The FCA wrote the warning. Do all your versions still match?

It has to appear on your high-risk investment and cryptoasset promotions, exactly as written. Not paraphrased, not shortened to fit a banner, not reformatted by whoever built the email.

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Trusted by

FCA Handbook · COBS 4, as amended by the 2022 and 2023 policy statements

Every high-risk investment promotion carries a warning the FCA wrote.

Applies to

Firms promoting high-risk investments or cryptoassets into the UK

Includes

Overseas firms

The wording

Published by the FCA

Permitted variation

None

The sentence is published. There is no version of it that is nearly right.

Word for word

It is not one page. It is every promotion you publish.

The warning travels with the promotion, wherever the promotion goes - and most of those places are built by someone who has never read the Handbook. Any change to the wording is a change to a prescribed disclosure.

Prescribed · FCA Handbook

Don't invest unless you're prepared to lose all the money you invest…

COBS 4 · unaltered

→

01Website, product pagePass

02App onboarding screenReformatted

03Paid social, carouselOmitted

Held04 · Email campaign

FCA COBS 4 - PRESCRIBED RISK WARNING…This is a high-risk investment. You are unlikely to be protected if something goes wrong. The closing line "Take 2 mins to learn more." was cut, and the sentence before it was split in two with a capital letter added after the split. Each change was made by a different person, and each one on its own looked harmless.

Prescribed sentence

Places it appears

Currently exact

And every new campaign starts the count again.

See your risk warnings checked.

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The platform

How it works

You already have the wording. The FCA published it and it has not changed. What you do not have is a way to confirm that every promotion still carries it exactly - across every channel, every agency and every campaign you have running.

The old way

Slow, manual review

Send the file to human reviewers. Wait. Pay by the word. Find out what changed after it published.

With Arbitr

Content governance as a platform

Your rules run against every change before it goes live, in every market, at the speed of AI.

How a check runs

Whether it is a web page, an email or a paid social asset, everything runs through the same three stages.

STAGE 01

Checks

Content is read against the published wording, character by character.

Output · a decision per promotion

→

STAGE 02

Flags

Anything that breaks a rule is held and the rule that held it is named, so the person who has to fix it knows what to change and who can approve it.

Output · a hold, with a reason

→

STAGE 03

Publishes

What passes goes live, and the decision stays on the record.

Output · live content, and an audit trail

A hold is not a block. It is the product working, and it comes with a named owner and a next step.

See the platform in full ›The trust layer between AI and your live systems.

Remediation and governance

Fix today. Then stay that way.

Two jobs, in order. First we go through every promotion you have live and find the ones where the wording has drifted.

Then we stay on. Every new campaign, every agency deliverable and every banner resize is another chance for the sentence to change, and none of them go past a compliance reviewer.

Correcting what is live is finite work. Every campaign after it is not.

Proof

How we help

37,000

Expert reviewers in the network, across 120+ languages

25+

Years working with regulated multinationals on multilingual content

Technology partner

FAQ

Questions we get asked

Have a promotion or channel this page has not covered? Tell us what you publish, and where.

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We do publish the warning. Isn't that enough?

Only if it is the published wording. The duty is not to warn people in your own words - it is to carry the sentence the FCA wrote. A promotion that says something close to it has not met the requirement, and it is easier to prove than an omission.

Our agency built the campaign. Is that our problem?

What about promotions in Welsh or another language?

We are based outside the UK. Does this apply to us?

How much does it cost?

See your risk warnings checked.

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