The Financial Conduct Authority (FCA) has published guidance on what it expects firms to do to ensure the fair treatment of customers who are unable to repay the capital sum at the end of the term, and to minimise the risk of non-repayment through early and effective consumer engagement over the mortgage term. Firms are expected, but not prescribed, to act in accordance with Principle 6 to achieve a fair outcome for their customers that have not repaid capital at maturity.