On 28 September 2015, the UK Financial Conduct Authority (FCA) published a policy statement (PS15/22) on banning opt-out selling across financial services and improving information provided to customers buying general insurance add-ons. The policy statement contains (a) an overview of the general insurance add-ons issue for consumers and proposed remedies, (b) feedback received in relation to the consultations/proposals for the ban on opt-out selling of insurance add-ons, (c) the rules banning opt-out selling and (d) FCA Handbook and non-handbook guidance on add-on sales. The rules and handbook guidance come into force on 1 April 2016. While the non-handbook guidance has immediate effect, the statement notes that firms need time to implement changes to sales processes, which should be completed by 30 September 2016.