Prepaid International Forum: 9 February 2012
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1 Prepaid International Forum: 9 February 2012
2 The background to the changes; How HM Treasury, Bank of England and FCA will work together; The timescale for these changes; and What they mean for regulated firms
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6 Q1: Who announced the abolition of the FSA during his first Mansion House speech on 16 June 2010? A: George Best C: Boy George B: George Michael D: The Rt Hon George Osborne
7 Q1: Who announced the abolition of the FSA during his first Mansion House speech on 16 June 2010? A: George Best C: Boy George B: George Michael D: The Rt Hon George Osborne
8 The FSA became a narrow regulator, almost entirely focused on rules-based regulation. No one was controlling level of debt and when the crunch came no one knew who was in charge George Osborne
9 Q2: Which two organisations will directly replace the FSA? A: Prudential Regulatory Authority C: Financial Conduct Authority B: Regulatory Supervisory Authority D: Fiscal Regulatory Committee
10 Q2: Which two organisations will directly replace the FSA? A: Prudential Regulatory Authority C: Financial Conduct Authority B: Regulatory Supervisory Authority D: Fiscal Regulatory Committee
11 MRGD Major Retail Groups Division Many supervisors per firm RFD / WSF Retail / Wholesale Firm Divs Many firms per supervisor SFCD Small Firms and Contact Div C280 supervisors for 22k firms
12 PRA Sits within Bank of England Micro Prudential focus Largest firms only 2,143 Firms FCA Replaces FSA Conduct supervision for all Micro Pru for all other firms 27,598 Firms
13 Q3: What will be the role of the Financial Policy Committee? A: Sets policy for the PRA C: Sets policy for PRA & FCA B: Sets Policy for the FCA D: Identifying Systemic Risk
14 Q3: What will be the role of the Financial Policy Committee? A: Sets policy for the PRA C: Sets policy for PRA & FCA B: Sets Policy for the FCA D: Identifying Systemic Risk
15 Sits with BoE Macro- Prudential Systemic Risk UK & Overseas Crisis Management
16 Q3: On April 2 nd, the FSA will adopt a Twin Peaks approach what does this mean? A: Regulation to become more surreal C: Adoption of shadow FCA & PRA structure B: Recovery Plan from double dip recession D: Focusing on HMT s 2 biggest risks
17 Q4: On April 2 nd, the FSA will adopt a Twin Peaks approach what does this mean? A: Regulation to become more surreal C: Adoption of shadow FCA & PRA structure B: Recovery Plan from double dip recession D: Focusing on HMT s 2 biggest risks
18 Prudential Group Conduct Group Separate judgments Different objectives Independent but coordinated
19 Q5: Which of these will NOT be a focus of the FCA? A: Product intervention C: Early intervention in emerging risks B: Tickbox compliance D: Focus on product design
20 Q5: Which of these will NOT be a focus of the FCA? A: Product intervention C: Early intervention in emerging risks B: Tickbox compliance D: Focus on product design
21 Ban Products Disclose Warning Notices Publicise misleading promotions Credible Deterrence Super- Complaints
22 Q6: When is the FCA expected to become operational? A: 2 April 2012 C: Late 2013 B: Early 2013 D: Early 2014
23 Q6: When is the FCA expected to become operational? A: 2 April 2012 C: Late 2013 B: Early 2013 D: Early 2014
24 2/4/12: Twin Peaks (Shadow Operation) Late 2012: Royal Assent of Financial Services Bill Early 2013: FCA Operational
25 Q7: Who can help you get ready for 2013? A: PIF C: Industry Press B: FSA Website D: Compliance
26 Q7: Who can help you get ready for 2013? A: PIF C: Industry Press B: FSA D: Compliance
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