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Policy and Public Affairs

CII Public Affairs Update Autumn 2014 edition »
The CII's Public Affairs Updates contain news from Westminster and Whitehall, Europe and the regulator. This edition covers news from the political party conference season, the Taxation of Pensions Bill and the latest on general insurance.
Guaranteed guidance for retirement »
A report summarising a comprehensive research study to gauge consumer views towards the Government's guaranteed guidance (GG) proposals for retirement.
FCA consultation: retirement reforms and guaranteed guidance »
The CII group's response to the FCA's consultation on retirement reforms and the guaranteed guidance (GG).
HM Treasury consultation: EU Mortgage Credit Directive »
Following the passing of the EU Mortgage Credit Directive in February, the UK Government is now in the process of implementing this into UK mortgage regulation, and HM Treasury has just published a consultation paper to do this.
FCA guidance consultation on investment advice boundaries »
On 14 July the FCA issued a guidance consultation which seeks to clarify the boundaries between what is and what is not a personal recommendation in the investment market.
Pension Schemes Bill 2014 »
The Pensions Schemes Bill currently progressing through Parliament aims to make greater risk sharing between employers, individual members and third parties easier. It is intended to encourage and enable "shared risk" pension schemes and "collective benefits".
FCA market study: general insurance add-ons »
The FCA has published its final report on its general insurance add-ons market study. The report finds that the add-on mechanism has a clear impact on consumer behaviour and often affects consumers' decision-making, often providing a structural point of sale advantage. 
Insurance contract law reform: business insurance disclosure, warranties and insurer remedies »
As part of their ongoing review of insurance contract law, the Law Commissions have made recommendations on business customers' duty to provide pre-contract information to their insurer and the actions insurers can take if the policyholder breeches the warranty. Most of these recommendations have been included in the Insurance Bill which was laid before Parliament on 17 July. 
CII Public Affairs Update Summer 2014 edition »
The CII's Public Affairs Updates contain news from Westminster and Whitehall, Europe and the regulator. This edition covers the latest on general insurance from the FCA and PRA, guidance guarantee and mortgage regulation, as well as current legislation in Parliament.
Stop! Clean your hands! And think afresh ... »
This Thinkpiece looks at what can be learnt from the field of social marketing when the "product" being sold is behavioural change.
Data breach: why should we care? »
Data breach is a phenomenon that every company holding customer or sensitive personal information will experience - simply put, it is not a question of 'if' but 'when.' - simply put, it is not a question of 'if' but 'when.' Paul Bantick from Beazley looks at the issues.
Freedom & choice in pensions: HM Treasury response and FCA consultation »
Following its consultation on the Budget 2014 pension reforms, HM Treasury has now set out its response on various aspects, particularly the guaranteed guidance. Additionally, the Financial Conduct Authority (FCA) has published a consultation going into more detail on implementation.
FCA thematic review on price comparison websites »
The FCA has conducted a major thematic review into Price Comparison Websites (PCWs) for private motor, home and travel insurance. This assesses their effectiveness in achieving fair outcomes for consumers buying these policies.  
Money Advice Service consultation on adviser directories »
The CII (which includes the Personal Finance Society) agrees that the process of referring customers to regulated financial advice needs to be improved, but disagrees that the Money Advice Service should create a single adviser directory.
Mortgage and Housing Market Update »
An update on the latest developments in the mortgage and housing market.