The impact of regulatory change on retail financial product distribution in the UK

Journal of Financial Regulation and Compliance

Volumn 11, Issue 1, 2003, Pages 71-80

  Littler, Kevin ^a   Hudson, Robert ^a  

^a UNIVERSITY OF LEEDS   (United Kingdom)

Author keywords

[No Author keywords available]

Indexed keywords

EID: 85009921195     PISSN: 13581988     EISSN: 17400279     Source Type: Journal    
DOI: 10.1108/13581980310810426     Document Type: Article

References (45)

1. Cruickshank, D. (2000) ‘Competition in UK banking’, TSO, London.
2. HM Treasury (2002) ‘Regulating mortgages’, February.
3. FSA (2002) ‘Mortgage and general insurance regulation: A guide for firms’, March.
4. FSA (2002) ‘Consultation Paper 129:Implementing the Ecommerce Directive’, March.
5. Sandler, R. (2002) ‘Medium and longterm retail savings in the UK: A review’, TSO, London, July.
6. Pickering, A. (2002) ‘A simpler way to better pensions’, July.
7. FSA (2002) Consultation Paper 121, January.
8. A simpler way to better pensions., p. 61.
9. For discussion on product adoption options, see Littler, K. and Ironfield-Smith, C. (2002) ‘Depolarisation, multities and distribution: A review of the options and implications’, IIBFS Executive Report Series, No. 50, January, IIBFS Leeds University, Leeds.
10. FSA, January 2002, Consultation Paper 121, p. 46.
11. FSA, January 2002, Consultation Paper 121., p. 59.
12. FSA, January 2002, Consultation Paper 121., p. 46.
13. Sandler (2002) A simpler way to better pensions., p. 85.
14. North, K. (2002) Investment adviser, quoting Datamonitor research, July.
15. FSA, January 2002, Consultation Paper 121, p. 59.
16. ‘AIFA calls for fundamental revision of DPS proposals’, Association of IFAs, 22nd April, 2002; see also, Smee, P. (2002) ‘To polarise or not to polarise’, Journal of Financial Regulation and Compliance, Vol. 10, No. 2, May, pp. 135-140.
17. Sandler (2002) A simpler way to better pensions., p. 26. See also Financial Services Consumer Panel, Annual Report 2001/2, March, 2002, p. 25.
18. See ‘CP121 responses’, Money Marketing, 2nd May, 2002
19. FSA, January 2002, Consultation Paper 121, p. 56.
20. ‘NCC calls for government taskforce on financial advice’, National Consumer Council, 21st May, 2002.
21. ‘Advice for life’, Consumers Association, 30th May, 2002.
22. Pickering (2002) Consumers Association., p. 35.
23. Sandler (2002) Consumers Association., p. 24.
24. Howard Davies, FSA Annual Meeting, 18th July, 2002.
25. HM Treasury, 8th August, 2002, Mortgage Regulation Consultation, p. 4.
26. FSA, Consultation Paper 146: The FSA’s Approach to Regulating Mortgage Sales, August, 2002, p. 72.
27. Council of Mortgage Lenders, 30th April, 2002, ‘Response by the CML to FSA consultation paper no 121'.
28. FSA, Consultation Paper 146: The FSA’s Approach to Regulating Mortgage Sales, August, 2002, p. 33.
29. ‘Banks cash in with multi-ties’, Money Marketing, 17th January, 2002; ‘Depolarisation - The industry implications’, Life Insurance International, 19th February, 2002; ‘Savings product overhaul by FSA will confuse customers’, Financial Times, 22nd May, 2002; ‘Banks to benefit from depolarisation’, Financial Adviser, 10th July, 2002.
30. FSA, January 2002, Consultation Paper 121, pp. 49-50.
31. Sandler (2002) Money Marketing., p. 20.
32. For example, the announcement of Royal and Sun Alliance, 8th August, 2002.
33. Ironfield-Smith, C. (2001) ‘Stakeholder pensions: An overview of the UK pension industry’s response’, Executive Report Series, No. 43, July, International Institute of Banking and Financial Services, Leeds.
34. Hall, J. (2002) ‘Bancassurers waiting in the wings’, Financial Adviser, 26th June, 2002.
35. ‘IFAs set to polarise’, Money Marketing, 24th January, 2002
36. ‘High net worth’, Pensions Management, 1st March, 2002
37. ‘Bancassurers must seize the day’, Financial Adviser, 20th March, 2002.
38. Pickering (2002) Financial Adviser., p. 35.
39. Howard Davies, FSA Annual Meeting, 18th July, 2002.
40. See FSA, May, 2002 ‘Financing the future: Mind the gap!'.
41. Financial Services Consumer Panel, Annual Report 2001/2, March, 2002, p. 25.
42. ‘Polarisation: Consumer research’, IFF Research Ltd, ORC International Ltd, NOP Research, January, 2002.
43. Sandler (2002) Polarisation: Consumer research., p. 5.
44. Howard Davies, FSA Annual Meeting, 18th July, 2002.
45. Sandler (2002) Polarisation: Consumer research., p. 20.