<prompt> Fingqa isihloko: Izinkampani zemali yempesheni zizophoqeleka ukuba zidalule kumakhasimende uma zinikeza amadili okukhwabanisa ngempesheni, umqaphi wezezimali umemezele izolo. Izinkampani kuyodingeka zikhangise ngalokho okwenziwa izinkampani ezincintisanayo nokuthi abantu asebethathe umhlalaphansi bangathola imali engakanani uma bengashintshela komunye umhlinzeki. Kuzodingeka benze lokhu njalo lapho bethumela ikhasimende isilinganiso semali yonyaka lapho isitsha sempesheni siguqulelwa emalini engenayo engaguquki ukuphila konke. I-Financial Conduct Authority i-FCA ithe ukusebenzisa ukuqhathanisa okuqondile kuzoveza izinkontileka ezinenani elibi. Ngaphansi kwemithetho emisha ezokwethulwa e-UK ngonyaka ozayo, izinkampani kuzodingeka zikhangise ukuthi yiziphi izinkokhelo izinkampani eziphikisayo ezizinikezayo nokuthi abantu asebethathe umhlalaphansi bangathola malini uma beshintshela komunye umhlinzeki isithombe se-file, esifakiwe Uma i-Money Mail inqoba, ukuguqulwa okukhulu kuzophoqa izinkampani ukuba kucaciswe kubathengi ukuthi isilinganiso sazo siqhathaniswa kanjani nabanye abahlinzeki. I-FCA yathi lokhu kuzokhuthaza amakhasimende ukuba acabangele izinzuzo zokuthenga nokuguqula. Kusukela ngenyanga ezayo, abahola impesheni ngeke besadinga ukuthenga i-annuity ngesikhwama sabo sempesheni futhi bangayikhipha yonke noma ingxenye yayo. Nokho, kulindeleke ukuba abaningi bakhethe ukuba nomsebenzi wesikhathi esigcwele ngoba befuna ukuba nomholo ongaguquguquki lapho sebethathe umhlalaphansi. Umqondisi we-FCA uChristopher Woolard uthe: Izimakethe zemali yomhlalaphansi zilungele ushintsho olukhulu esizukulwaneni. Sifuna ukuqiniseka ukuthi ilungele injongo. Ochwepheshe bathi imithetho emisha ezokwethulwa ngonyaka ozayo izovimbela inqwaba yabantu abathola impesheni ukuba bamukele ngokungacabangi imali yempesheni ephansi enikezwa umhlinzeki wabo wempesheni. U-Andrew Tully, wenkampani yempesheni i-MGM Advantage, wathi: Abantu abathatha impesheni bavinjelwe ezikhwameni zempesheni eziphansi ngoba abakhuthazwa ukuba bathenge. Uma ukunikeza imininingwane yalokho okwenziwa izimbangi kuvusa umuntu ukuba abheke ezinye izindlela, lokho kufanele kube okuhle. I-Financial Conduct Authority FCA ithe ukusebenzisa ukuqhathanisa okuqondile kuzoveza izinkontileka ezinenani elibi futhi imithetho emisha izokwenza amakhasimende acabangele izinzuzo...  <response>: Izinkampani zemali yempesheni zizophoqeleka ukuthi zembule okunikezwa izinkampani eziphikisayo ngaphansi kwemithetho emisha. Izinkampani ziphoqeleka ukuba zicacisele abathengi ukuthi isilinganiso sazo siqhathaniswa kanjani I-FCA ithe lokhu kuzosiza amakhasimende ukuba acabangele izinzuzo zokuthenga ezindaweni ezikude 