Tag Archives: regulation

What kind of transparency would that be- Sir?

Posted on July 21, 2016 by henry tapper

This from the BBC MPs on the Energy Committee have written to the new business secretary to demand no change to the current rules on price comparison websites. As part of its recent report on the energy market, the Competition … Continue reading →

Posted in pensions | Tagged , , , , | Leave a comment

Who is the master? Who can be trusted? Guest blog from Ralph Frank

Posted on May 27, 2016 by henry tapper

  There has been increasing clamour in recent times for more stringent regulation of Master Trusts.  The Government has duly obliged, tacking a Pensions Bill onto the Queen’s Speech.  The details of the Bill are currently light, although it is … Continue reading →

Posted in pensions | Tagged , , , , , , | Leave a comment

Fanning the faint flame for better workplace pensions

Posted on March 3, 2016 by henry tapper

Over the next few weeks, Britain’s various IGCs (and baby IGCs) will be reporting on the state of the insurers and the non-insured SIPP providers from an independent viewpoint. I have berated some of  the IGC Chairs for being confused … Continue reading →

Posted in pensions | Tagged , , , , , , , , , , | Leave a comment

What has the financial services industry learned from auto-enrolment?

Posted on December 21, 2015 by henry tapper

The first lesson that the financial services is learning from auto-enrolment is that consumer purchasing cannot be predicted on the basis of past performance. Continue reading →

Posted in pensions | Tagged , , , , , , , , , , | Leave a comment

Should the FCA oversee mastertrusts?

Posted on October 23, 2015 by henry tapper

That was the question that was asked by one of the panellists at the launch of the PPI’s “Comparison of the regulatory frameworks for DC pensions. I am listed as one of the people providing input to the production of … Continue reading →

Posted in pensions | Tagged , , , , , , , , , , , , , , | 1 Comment

Ten reasons for the FinTech revolution

Posted on August 16, 2015 by henry tapper

 This blog, provided by Innovate Finance, takes a step back by providing us with an overview of the traditional financial services sector to determine what exactly has prompted its disruption alongside the rise of FinTech. Below are a few key … Continue reading →

Posted in pensions | Tagged , , , , , , , , | Leave a comment

Disruption – is how social media regulates

Posted on August 15, 2015 by henry tapper

In the context of Business continuity management, Disruption is an event which causes an “unplanned, negative deviation from the expected delivery … according to the organization’s objectives”. In this blog, I argue that disruption is part of the governance process … Continue reading →

Posted in advice gap, auto-enrolment, Payroll, smelly | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Bringing down the cost of advice #FAMR

Posted on August 5, 2015 by henry tapper

The Financial Advice Market Review asks whether Britain can bridge the advice gap for those people who “want to work hard, do the right thing and get on in life but do not have significant wealth”, strip out the political … Continue reading →

Posted in advice gap, pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , , | 2 Comments

Why the FCA should take a leaf out of tPR’s book.

Posted on July 30, 2015 by henry tapper

  The Pensions Regulator have been re-born over the last five years and become focussed on helping advisers, trustees and employees solve pension problems. They have started treating us as  customers and not potential criminals. Sadly, this attitudinal shift doesn’t seem … Continue reading →

Posted in advice gap | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

GRAXIT! – an open letter to Phil Loney on how he can help solve the GAR problem.

Posted on June 23, 2015 by henry tapper

An open letter to Phil Loney – CEO of Royal London Phil You’ve started a good debate on Guaranteed Annuity Rates and how we should manage them in this time of Pension Freedom. Getting out of GAR contracts (GRAXIT) is proving a … Continue reading →

Posted in pensions | Tagged , , , , , , | 7 Comments