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Responses to consultations - 2012
The Panel usually makes a formal response to all consultations put out by the FSA (Financial Services Authority) where the policy has or could have an impact on consumers.
The Panel also responds to UK Government, European Commission and other consultations where the resulting policy may affect the way that consumers interact with financial services.
We publish all the Panel's responses to formal consultations here on our website. They are organised by year of publication.
All Responses to consultations are PDF documents and require Adobe Acrobat Reader to view them. Download Adobe Acrobat Reader.
- 21 DecemberConsumer Panel response to the HMT consultation: Secondary Legislation - Financial Services Act 2012
- 14 DecemberConsumer Panel response to the FSA consultation: Journey to the FCA
- 12 DecemberConsumer Panel response to CP12/24 – Regulatory Reform: PRA and FCA regimes relating to aspects of authorisation and supervision
- 11 DecemberConsumer Panel response to CP12/26** Regulatory reform: the PRA and FCA regimes for Approved Persons
- 11 DecemberConsumer Panel response to CP12/23** - Addressing the implications of non-EEA national depositor preference regimes
- 7 DecemberConsumer Panel response to the ESMA consultation paper: Guidelines on remuneration policies and practices (MiFID)
- 5 DecemberConsumer Panel response to CP12/27* Chapter 8: changes to the Collective Investment Schemes sourcebook
- 3 DecemberCP response to the ABI Consultation on annuity rate transparency
- 30 NovemberCP12/22 Clients assets regime: EMIR, multiple pools and the wider review
- 14 NovemberConsumer Panel response to CP12/19*** Restrictions on the retail distribution of unregulated collective investment schemes and close substitutes
- 5 NovemberCP response to CP12/27* Quarterly consultation No 34
- 31 OctoberConsumer Panel response to CP 12/20 Client Money Rules for Insurance Intermediaries
- 31 OctoberConsumer Panel response to GC 12/11 Risks to consumers from financial incentives
- 29 OctoberCP response to CP 12/17 Packaged Bank Accounts
- 25 OctoberCP response to 12/16 FSCS Funding Model Review
- 12 OctoberConsumer Panel resonse to the Sergeant Review interim report
- 10 OctoberConsumer Panel response to HMT consultation on UK Payments Strategy
- 3 OctoberConsumer Panel response to Claims Management Regulation: Proposals for amendments
- 28 SeptemberCP response to HM Treasury Consultation: Sanctions for the directors of failed banks
- 24 SeptemberResponse to HMT consultation Financial Sector Resolution: Broadening the Regime
- 10 SeptemberResponse to the Solicitors Regulation Authority consultation on independent financial advice
- 7 SeptemberResponse to the Wheatley Review of Libor
- 6 SeptemberResponse to HMT/BIS consultation on reforming the banking sector
- 24 AugustConsumer Panel response to the Parliamentary Commission on Banking Standards
- 23 AugustResponse to Guidance Consultation: Examples of good and poor practice in banks’ defences against investment fraud
- 10 AugustResponse to CP12/10** Product projections and transfer value analysis
- 9 AugustResponse to CP12/12** Payments to platform service providers and cash rebates from providers to consumers
- 31 JulyResponse to CP12/9 Consumer redress scheme in respect of unsuitable advice to invest in Arch cru funds
- 12 JuneResponse to Commission consultation on bank accounts
- 01 JuneConsultation by the High-level Expert Group on reforming the structure of the EU banking sector
- 16 MayFSCP Comments on the Draft Memorandum of Understanding between the FCA and PRA
- 16 MayResponse to Draft Memorandum of Understanding on international organisations
- 11 MayResponse to CP12/5 – Chapter 5: Pension scheme disclosure proposals
- 27 AprilAdditional evidence to the Kay Review
- 26 AprilCP12/7: Financial Services Compensation Scheme - Changes to the Compensation soucebook
- 5 April CP response to Retail Distribution Review - Independent and Restricted Advice
- 03 AprilConsumer Panel Response to GC12/04: PPI Customer Contact Letters
- 30 MarchConsumer Panel Response to CP11/31 *** Mortgage Market Review (MMR)
- 29 MarchGuidance consultation: FSA sale and rent back review 2011
- 23 MarchResponse to DWP Consultation Paper: Meeting future workplace pension challenges improving transfers and small pots
- 23 MarchConsumer Panel response to the IORPs Directive Review
- 20 MarchInsurance contract law: Post contract duties and other issues
- 13 MarchResponse to CII Measuring professional standards
- 09 MarchCP11/29** - Deposit protection: Raising consumer awareness
- 21 FebruaryResponse to CP further comments to BIS on ADR
- 16 FebruaryResponse to FOS business plan
- 13 FebruaryResponse to CP11 23 Solvency II and linked long-term insurance buinsess
- 03 FebruaryResponse to ABI Consumers in the retirement income market
- 31 JanuaryResponse to BIS consultation on Alternative Dispute Resolution
- 25 JanuaryResponse to OFT Annual Plan
- 25 JanuaryResponse to CP11 20 Packaged Bank Accounts
- 13 JanuaryResponse to MiFID- MiFIR proposals
- 09 JanuaryResponse to CP11/26 on Distribution of retail investments: RDR adviser charging and treatment of legacy assets
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