1. Engaging in conduct that is misleading or deceptive, or is likely to mislead or deceive in
relation to the nature, features, terms or price of any financial service or product.
2. Inducing or attempting to induce a financial consumer to do an act or omit to do an act in
relation to any financial service or product by—
(a) making a statement, illustration, promise, forecast or comparison which is misleading,
false or deceptive;
(b) dishonestly concealing, omitting or providing material facts in a manner which is
ambiguous; or
(c) recklessly making any statement, illustration, promise, forecast or comparison which is
misleading, false or deceptive.
3. Exerting undue pressure, influence or using or threatening to use harassment, coercion, or
physical force in relation to the provision of any financial service or product to a financial
consumer, or the payment for any financial service or product by a financial consumer.
4. Demanding payments from a financial consumer in any manner for unsolicited financial
services or products including threatening to bring legal proceedings unless the financial
consumer has communicated his acceptance of the offer for such financial services or
products either orally or in writing.
5. Exerting undue pressure on, or coercing, a financial consumer to acquire any financial service
or product as a condition for acquiring another financial service or product.
6. Colluding with any other person to fix or control the features or terms of any financial service
or product to the detriment of any financial consumer, except for any tariff or premium rates or
policy terms which have been approved by Bank Negara Malaysia.
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