The FSA is due to report during the first three months of 2007 in relation to its review of the effectiveness of the Insurance Conduct of Business rules (ICOB). It is expected that recommendations for rule changes will be made where appropriate. The review is reported to consist of three main parts: consumer research and desk-based review of the disclosure requirements in ICOB; non-protection products including household and motor policies; and personal protection products such as payment protection and critical illness.