FSA has made a statement on using commission clawback terms in terms of business agreements. It found terms that allow advisers to reclaim amounts from consumers who stop paying premiums and where the adviser has to refund commission to the product provider may be unfair. It found examples which did not clarify the amounts and timeframes for the claims. The firms in question have amended their terms. FSA does not object in principle to commission clawback although, if current RDR proposals take effect, advisers will need to set their own charges.