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Treating Customers Fairly and Product Governance Publications

“Stumbling towards the Consumer Duty”, Compliance Monitor, 5 April 2023

“IFA links with unauthorised introducers: here be dragons”, Compliance Monitor, 6 September 2022

“EU and UK perform a product governance two-step”, Compliance Monitor, 14 July 2022

“BSPS compensation: a Pension Review repeat”, Compliance Monitor, 4 June 2022

“When firms attempt to reduce their liabilities”, Compliance Monitor, 25 April 2022

“Government Agencies, In Search of Disputes”, 40 Alternatives 74 (2022)

“The Pandemic’s Nasty Effects on Consumer Complaints Schemes”, 40 Alternatives 51 (2022)

“Swift report on IRHP scheme urges more proactive regulation”, Compliance Monitor, 4 March 2022

“A ‘new’ Consumer Duty – or same rules, more layers?”, Compliance Monitor, 7 February 2022

“Value for money – the new regulatory focus”, Compliance Monitor, 13 December 2021

“‘Duty of care’ or hot air?”, Compliance Monitor, 12 July 2021

“A Spring flowering of financial services court decisions”, Compliance Monitor, 4 June 2021

“Promotions rules for individual mortgage contracts and debt advice”, Compliance Monitor, 7 April 2021

“LCF report lifts lid off FCA failings”, Compliance Monitor, 5 March 2021

“Business Interruption Insurance, Pandemics and a very UK Story of Dispute Resolution”, 39 Alternatives 101 (2021)

“FCA v Arch Insurance – Supreme Court partially rescues the insured”, Compliance Monitor, 5 March 2021

“Pitfalls of selling financial products”, Compliance Monitor, 16 November 2020

“The devil in the detail of business interruption insurance”, Compliance Monitor, 11 November 2020

“Embedding fair treatment of vulnerable customers”, Compliance Monitor, 12 October 2020

“Adams v Options Sipp – regulatory feebleness towards SIPP providers”, Compliance Monitor, 13 July 2020

“Compliance during Covid-19”, Compliance Monitor, 6 May 2020

“The FOS Annual Review Analysed, Compliance Resource Network, 21 June 2019

“CFDs revisited – already!”, Compliance Monitor, 1 February 2019

“Keys from the Keydata fiasco”, Compliance Monitor, 3 December 2018

“CFDs – Europe tackles a product where consumers mostly lose out”, Compliance Monitor, 5 June 2018

“What MiFID II has done to the FCA rulebook”, Compliance Monitor, 10 April 2018

“The PROD rulebook: a triumph for UK regulatory thinking”, Compliance Monitor, 2 March 2018

“FG 16/8: the FCA’s first tentative steps towards genuine product governance, “, Compliance Complete, 29 December 2016

“Treating small and medium-sized businesses fairly, “, Compliance Monitor, 7 September 2016

“The Aviva client money fine for not taking outsourcing and client assets seriously enough”, Compliance Resource Network, 18 October 2016

“Treating small and medium-sized businesses fairly”, Compliance Monitor, 7 September 2016

“TR 16/2: Fair treatment of long-standing customers in the life insurance sector”, – it really should have moved the share price”, Compliance Resource Network, 31 March 2016

“CP 15/32 – lighting the bonfire of the communications documents”, Compliance Resource Network, 16 November 2015

“Death, where is thy sting?… Ask the executors”, Compliance Monitor, 13 July 2015

“Structured products: just say no”, Compliance Monitor, 2 June 2015

“The plight of legacy with-profits customers”, Compliance Monitor, 9 March 2015

“MiFID 2: the latest proposals on treating customers fairly”, Compliance Resource Network, 3 January 2014

“Lloyds Bank record fine analysed”, Compliance Resource Network, 17 December 2013

“Final Guidance for SIPP providers (FG 13/8)”, Compliance Resource Network, 21 October 2013

“Root Cause Analysis”, Compliance Resource Network, 8 July 2013

“Response rates to consumer redress letters – an FCA experiment with potentially nasty effects for the financial services industry”, Compliance Resource Network, 14 May 2013

“The FCA taking the final lumbering steps towards extending the RDR to the platform market in PS 13/1”, Compliance Resource Network, 30 April 2013

“CP 12/35 Temporary Product Intervention Rules”, Compliance Resource Network, 19 December 2012

“The SLOC fine for with-profits governance – an early example of product enforcement action”, Compliance Resource Network, 25 October 2012

“Analysis of the BlackRock client money fine – check your trust documents please”, Compliance Resource Network, 13 September 2012

“Spreadex and much of the spread-betting industry needs to re-draft its contracts after High Court defeat”, Compliance Resource Network, 15 June 2012

“Arch Cru consultation, the first big proposal for an industry-wide review”, Complinet, 3 May 2012

“James Perman picks up the FSA’s costs bill in a new threat to Tribunal applicants”, Compliance Resource Network, 9 January 2012

“Product producers and distributors’ workshop”, Compliance Monitor, December 2011/January 2012

“The CICA fine — treating customers fairly is not dead”, Complinet, 29 December 2011

“First platform fine for client money problems – a warning to others”, Compliance Resource Network, 12 December 2011

“Towry’s £494,900 fine for client money problems and being economical with the truth”, Compliance Resource Network, 4 October 2011

“James Perman’s Tribunal case and how not to handle the FSA and treating customers fairly”, Compliance Resource Network, 7 September 2011

“Bad apples”, (Product regulation), Financial Adviser”, 17 March 2011

“FSA proposes oldest form of product intervention — on with profits in CP11/5”, Complinet, 9 March 2011

“DP 11/1 – the FSA finally takes a look at the products”, Compliance Resource Network, 4 February 2011

“Scottish Equitable fine — a late twitching of treating customers fairly”, Complinet, 21 December 2010

“The ‘Dear Compliance Officer’ letter on client money”, Complinet, 14 April 2009

“Treating Customers Fairly – the Obituary”, Compliance Monitor, February 2009

“TCF, MI and the March 31 deadline”, Complinet, 17 March 2008

“TCF – weighed in the balance”, Compliance Monitor, September 2007

“FSA orders firms to treat products and customers fairly”, Complinet, 17 July 2007

“Wraps make their regulatory debut”, Complinet, 29 June 2007

“With-profits policies and the FSA’s ‘Insurance Briefing’“, Complinet, 30 May 2007

“FSA blunders on TCF and rebate-only pensions”, Complinet, 11 May 2007

“FSA continues to find client money problems”, Complinet, 19 March 2007

“The route to compliance”, Money Marketing, 17 November 2005, 58

“Treating customers fairly – the FSA talks about building on progress”, Compliance Online, 8 July 2005

“The FSA, the Unfair Contract Terms in Consumer Contracts Regulations and the Principles”, Compliance Online, 24 May 2005

“Treating customers fairly & FSA complaint rules”, Compliance Monitor, April 2005, 7

“Claims – the new compliance battleground”, Compliance Monitor, November 2004

“FSA Briefing on Closed with-profits funds”, Compliance Online, 3 October 2004

“Treating customers fairly: prepare to audit”, 17 Compliance Monitor, 1, September 2004, 11

“Treating Customers Fairly”, Compliance Officer Bulletin, August 2004

“FSA Discussion Paper: Treating Customers Fairly – progress?”, Compliance Online, 2 August 2004

“CP207: FSA attempts to solve the with-profits conundrum”, Complinet, 9 December 2003

“The Ghost of Equitables past – the FSA issues policy statement on with-profits governance”, Complinet, 27 June 2003

“DP20: FSA still asking questions about the future of with-profits”, Complinet 17 Feb 2003

“With profits: FSA’s transparency and corporate governance reforms – putting more forests at risk”, Complinet, 27 January 2003

Get in touch

Contact Adam by e-mail, phone or post at:

E-Mail: or

Mobile: 07900 248150

The Attic, 117 Priory Road, London NW6 3NN.