<prompt> Fingqa isihloko: Amasu acashile asetshenziswa izinkampani zezindiza, amabhange nezinkampani zomshuwalense ukuze akhohlise izigidi zamakhasimende ukuba zithenge umshuwalense owengeziwe ngokushesha angase aphathwe ngokungemthetho. Umbonisi weDolobha uthe ufuna ukuvimbela izinkampani ekuthengiseni ukukhetha ukuphuma lapho amakhasimende kufanele akhiphe khona ibhokisi embhalweni omncane uma efuna ukugwema ukuthenga umshwalense owengeziwe. Embikweni ohlabayo, i-Financial Conduct Authority yathi amakhasimende amaningi ayakhohliswa ukuba athenge imikhiqizo angayidingi noma angayidingi. I-Financial Conduct Authority ithe amakhasimende amaningi ayakhohliswa ukuba athenge imikhiqizo angayidingi noma angayidingi. Labo abawela ogibeni - kungakhathaliseki ukuthi bathenga ithikithi lekhonsathi noma bakhokha umshwalense wemoto - cishe bayothenga imikhiqizo engafanele, noma bathole inani eliphansi lemali. I-FCA ilinganisela ukuthi ubuqili bubiza amakhasimende imali engaphezu kwezigidi ezingu-108 zamaphawundi ngonyaka ngokukhokha ngokweqile. Imakethe yemikhiqizo enjalo - ehlanganisa ukuvikelwa ekwebiweni kobunikazi, umshuwalense wasekhaya nokuvikelwa kokuhluleka kulinganiselwa ukuthi ifinyelela ku-1 billion ngonyaka embonini yomshuwalense. Ngokuvamile zithengiswa kanye nomshuwalense onjengomshwalense wokuhamba, wemoto nowendlu. Kodwa ngaphansi nje kwengxenye yesihlanu yamakhasimende ayazi ukuthi anawo, ngokusho kwe-FCA. Ukuthengiswa kwemikhiqizo eyengeziwe kakade kuye kwabangela ihlazo lokuthengiswa kabi komshwalense wokuvikela ukukhokha, lapho izigidi zamakhasimende zithengiselwa khona izinqubomgomo ezingazifuni noma ezingazidingi kanye nemalimboleko noma amakhadi esikweletu. Amabhange asemgwaqweni omkhulu nabanye ababolekisi bakhokhe ama-18billion njengesinxephezelo kuze kube manje okwenza kube yihlazo lokuthengisa elibizayo kakhulu emlandweni wase-UK. Amasu amabi asetshenziswa izinkampani zezindiza namabhange ngemikhiqizo - kuhlanganise nokuvikelwa kokwebiwa kobunikazi, umshuwalense wasekhaya nokuvikelwa kokuphazamiseka - ngokuvamile okuthengiswa kanye nomshuwalense wokuhamba nowemoto nokuvikelwa kwasekhaya. UChristopher Woolard, umqondisi wezamasu nokuncintisana eFCA uthe: Lokhu kuqinisekisa ukuthi abathengi bangenza isinqumo esifanele mayelana nokuthi yiliphi i-inshuwalense eyengeziwe abayidingayo noma abangayidingi. Ukukhohlwa ukukhipha uphawu ebhokisini ekupheleni kokuthenga akukhona ukwenza...  <response>: I-FCA ithi amakhasimende akhohliswa ukuba athenge imikhiqizo angayidingi noma angayidingi. Kulinganiselwa ukuthi lo mgunyathi ubiza abathengi imali engaphezu kwezigidi ezingu-108 zama- ngonyaka. Ngokuvamile zithengiswa kanye nomshuwalense wokuhamba nowemoto kanye nomshuwalense wasekhaya. 