Regulation

Regulator wants early responses to prevent referrals

Sandbox will go live in spring

FCA to create space for advisers

FAMR is 'last piece in jigsaw'

Thematic review showed most funds correctly marketed

Regulator was added to government's £10bn cost-cutting target

Directive comes into force in January 2018

Industry divided on the the regulator's push for innovation

Savings made across the board

Technology-friendly regulator values traditional advice