FSA is consulting on changes building on its previous proposals to clarify the role of mortgage sellers in ensuring products are suitable for customers. Its new proposals focus on disclosure, including changes to the way in which disclosures are made and to the trigger points for the Key Facts Illustration. It also aligns requirements with the RDR and will require individuals who sell mortgages to hold a relevant qualification. Finally it will require firms to tell customers whether they will consider deals that can be obtained only directly from a lender. FSA wants comments by 25 February 2011.