Time to separate regulator and state

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For as long as I can remember - which is longer than some might think - our industry has been heavily regulated.

I’m sure we can all agree on that one, right? One thing has been common throughout my time in financial services: Whoever the regulator has been, whether the FSA, LAUTRO or SIB, there has ALWAYS been a major regulatory change taking place. Retail Distribution Review...Treating Customers Fairly...depolarisation...ICOB and COB...polarisation...

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