An investigation by the UK regulator indicates that a financial services provider carried out the following four actions: Action 1 - withdrew a newly launched and very competitive product before consumers had a chance to purchase it Action 2 - sent a mailshot on its latest fixed-rate mortgage product to its home reversion customers Action 3 - Increased its pension plan charges for new customers by a total of 80% in three separate stages over a 12-month period Action 4 - imposed a 10 charge for customers to formally submit a complaint Which of the following statements is true?

Al Actions I and 2 are likely to breach the European Savings Directive

BI Only Actions 1 and 3 could result in disciplinary procedures

C) Only Actions 2 and 3 may be covered by the provisions of the Financial Services Compensation Scheme (FSCS)

D) Actions 2 and 4 are likely to breach the Treating Customers Fairly (TCF) Outcome requirements