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Policy and Public Affairs

A brave new retirement: funding life after work and helping to make difficult choices »
Huw Evans, the new ABI Director General, reflects in this Thinkpiece the profession's concerns about preparedness for the pension reforms and Pension Wise. He underscores the importance of working together to do our best for the 6 April launch and focus on the challenges of longer-term success.
The Government's retirement freedoms, Pension Wise, and views on preparedness »
An updated briefing reflecting the Treasury's announcement on the public-facing identity of what is called "Pension Wise". This note covers the Government's update on Pension Wise delivery, including Treasury and FCA actions in the last few months.
Thinkpiece 112 - The digital panopticon »
In our latest Thinkpiece, Chartered Insurance Practitioner Duncan Minty considers how the increase in insurers' knowledge about our everyday lives will impact the future of the industry and how this resembles the eighteenth century reformer Jeremy Bentham's idea of a 'panopticon'.   
Will I have to sell the family silver? Funding care in retirement »
Describes some of the financial realities of funding social care in retirement, despite the assurances set out in the Care Act 2014, and underscores the importance of receiving financial advice.
CII & CentreForum - Fit for growth: investing in a stronger skills base to 2020 »
A paper by the CII and CentreForum exploring how the UK can remain competitive by creating a skills system that promotes choice and flexibility and is more responsive to employer demand.
FCA consultation: Buy-to-Let mortgages: the Mortgage Credit Directive Order 2015 »
Following the passing of the EU Mortgage Credit Directive (MCD) in February, the Financial Conduct Authority (FCA) is now in the advanced stages of implementing this into the UK. It has recently issued a consultation on how it will approach the most complex aspect of the Directive: how it will oversee Buy-to-Let Mortgages.
CII Public Affairs Update Issue 1 2015 »
The CII's Public Affairs updates contain news from Westminster and Whitehall, Europe and the regulator. This edition covers FCA guidance on definition of advice, the latest on pensions reform and proposals on GAP insurance.
FCA finalised guidance on investment advice boundaries »
Following a guidance consultation in July 2014, the Financial Conduct Authority (FCA) has issued its finalised considered view on the boundaries between what is and what is not a personal recommendation in the retail investment market.
It's the right thing to do: empowering employees to speak up »
Cathy James, Chief Executive of the whistleblowing charity Public Concern at Work describes the all-too-familiar story of genuinely well-meaning employees getting ignored or even unfairly reprimanded by employers, and describes initiatives to address this.
Global political risks in 2015 and beyond »
A report, by the CII and Cicero, considering the potential global political and societal risks facing us in 2015 and beyond. It paints a picture of a time of continuing major economic and political challenges and risks and how the these risks can be identified, managed and, if possible, mitigated.
The FCA's RDR post-implementation review »
The Financial Conduct Authority (FCA) published its detailed findings on how the investment advice sector is complying with its new Retail Distribution Review (RDR) rules that came into force two years ago.
EU update: Insurance Mediation Directive update and EIOPA’s third insurance consumer trends report »
A CII briefing on the latest developments in Europe including the Insurance Mediation Directive and EIOPA's third insurance consumer trends report.
CII Public Affairs update winter 2014 edition »
The CII's Public Affairs updates contain news from Westminster and Whitehall, Europe and the regulator. This edition covers the Chancellor's Autumn Statement, the Smith Commission on devolving powers to the Scottish Parliament and the latest on the guidance guarantee.
Drawdown reviews: providing valuable at-retirement services to customers »
This thinkpiece looks at the current requirements for drawdown reviews and provides insight into how a robust and future-proof process can be developed. It also provides some relevant support material that will help achieve this.
Ethical culture: changing the story – reasons to believe »
As part of its continuing series of ethical guidance, the CII has produced a further guidance paper called - 'Changing the story - Reasons to Believe'. As the financial services sector looks at ethical issues and challenges to existing compensation models and the need for leadership and the challenges to measure success for all stakeholders, this paper, authored by Judith Cork, looks at models for strategic culture change.  It presents a model for looking at cultural change, the cultural web and argues that three key elements of the model, the routines and rituals, symbols and stories are probably what makes stakeholders live and believe the visions and values of an organisation.

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