FSA has issued an update explaining why it expects firms to ensure that each promotion complies with FSA rules. FSA stresses firms cannot decide to omit information from one promotion because they intend to give it later in the sales process. Some risk warnings and details are essential in financial promotions to make them stand-alone compliance although firms can assess the level of detail appropriate in other areas depending on the nature and overall detail of the promotion. FSA highlighted promotions involving different documents in one pack, saying it considers how readers would understand each element of the pack. The update includes advice on specific information FSA would expect to see in investment, mortgage and insurance advertising. FSA threatens action against firms whose stand-alone promotions are not compliant.