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Policy and Public Affairs

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.
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.