Brokers will need to comply with some FSA rules before January 2005.
This follows the publication of the Treasury's final regulations on the implementation of the EU's Distance Marketing Directive.
The regulations, which come into effect on 31 October, are the same as many of the FSA's Insurance Conduct of Business (ICOB) rules.
Brokers who do not intend to apply for FSA authorisation to trade from 14 January 2005 will still need to comply with the Treasury regulations.
Biba regulation and compliance manager Steve White said: "It's a wake-up call for brokers to act before January 2005."
The original implementation date of the DMD was to be the 9 October, but the Treasury has postponed the date to coincide with the commencement of statutory regulation of mortgage sales.
