One document details a compliance consultancy's offerings, including FCA authorisation, benchmark audits, training, and tailored advice, highlighting their expertise in helping businesses navigate complex financial regulations and avoid penalties. The second source, a policy statement from the Financial Conduct Authority (FCA), announces new, more flexible rules for mortgage advice, affordability assessments, and remortgaging, aiming to simplify processes for consumers while maintaining protection under the Consumer Duty. This FCA document also addresses feedback from various stakeholders and explains the rationale behind retiring certain non-Handbook guidance, ensuring firms continue to treat customers fairly, particularly those with expired mortgage terms.