A product is also unsuitable where it fails what the consumer requires and aims for: the licensee considers whether the amount, term, features and cost match what the consumer wants, whether features the consumer will pay for are ones they need, and, where the licensee offers more than one product that would meet the objectives, whether the consumer is being placed in a product that costs more than necessary; the assessment must not conclude that the product is not unsuitable where information the licensee holds, or should have obtained, shows otherwise. The prescribed circumstances make a product unsuitable where a credit card limit cannot be repaid within three years on the prescribed assumptions, where a consumer is presumed unable to comply with a small amount credit contract (in default under another, or two or more in the preceding ninety days) unless the presumption is rebutted, and where a reverse mortgage exceeds the loan-to-value presumption for the consumer's age without evidence to the contrary; unsuitability for one product does not prevent the licensee from offering another that is not unsuitable.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.