CASS 7 prevents firms from placing client money in bank accounts with unbreakable terms of longer than 30 days. Banks have cited the cost of liquidity requirements associated with such 30-day money as their main reason for their reduced appetite for client money. As result, the FCA requests views on the proposed changes to CASS: (i) permit a firm to deposit an appropriate proportion of client money in an unbreakable deposit (UD) of a maximum of 90 days; (ii) where a firm deposits client money in a UD of 31-90 days, it must comply with certain conditions; and (iii) require CASS medium and large firms to report client money in a UD of 31-90 days in their client money and asset return (CMAR). The proposals will not apply to general insurance intermediaries that only hold client money under CASS 5 or debt management firms that only hold client money under CASS 11.