Listed below are submissions received for this review. They are in PDF format, and will open in a new browser window.

  • advice service alliance
  • Association of Friendly Societies (AFS)
  • AIFA, The Association of Independent Financial Advisers
  • Allianz Insurance UK
  • All Party Parliamentary Group on Insurance
    & Financial Services
  • The Association of British Insurers (ABI)
  • The Association of Finance Brokers (AFB)
  • The Association of Mortgage Intermediaries (AMI)
  • Association of Private Client Investment Managers and Stockbrokers (APCIMS)
  • Aviva plc
  • AXA Group
  • Banking Code Standards Board
  • Bank of America
  • Barclays
  • BBA
  • Letter, Block
  • Britannia Building Society
  • Building Societies Association (BSA)
  • Mr C, Spain
  • Cardif Pinnacle
  • The Chartered Institute of Loss Adjusters
  • CIFAS
  • Citizens Advice Bureau
  • Council of Mortgage Lenders
  • CPH Financial Advisory Service
  • The Danish Mortgage Credit Complaint Board (MCCB)
  • David Severn Consulting
  • Energy and Water Ombudsman, Australia
  • Equitable Members Action Group LTD (EMAG)
  • Federation of Small Business
  • Finance and Leasing Association (FLA)
  • Financial Services Authority
  • Financial Services Consumer Panel
  • Fortis (UK) Limited
  • The Foundation for Information Policy Research (FIPR)
  • Friends Provident
  • Freshfields Bruckhaus Deringer
  • GE Money Home Lending Limited (GEMHL)
  • Mr P Grenet
  • National Consumer Council
  • HSBC
  • IFA Defence Union
  • Investment Management Association (IMA)
  • The Institute of Insurance Brokers
  • The Law Commission
  • Letter, A Lakey
  • Letter, Reid, Brussels
  • The Payments Council
  • Royal & Sun Alliance
  • Letter, A Samuel
  • Which?
  • Yorkshire Building Society
  • Zurich Financial Services (UKISA) Limited