A further fine in respect of the sale of products to consumers has been issued, this time to CPP. In its Final Notice released on 14 November 2012, the FSA found that CPP had breached Principles 3, 6 and 7 arising from, inter alia, a failure to explain the suitability of the protection sold; an overly persistent sales approach; an inappropriate sales incentive scheme; and, a failure to address the problems with its sales approach, and compliance and governance arrangements when initially identified. CPP has agreed to a past business review (PBR) with compensation estimated by CPP to be in the region of £8.5 million.