Baroness Bowles of Berkhamsted

On that point, it seems to me that nothing is being done to challenge the burden of regulation on firms—instead, the obligations on the regulator are being reduced. When you reduce the obligations on

I am sorry, but if you change something in primary legislation and rub out what is happening in existing processes, you have changed it. You cannot change something at a higher level than primary legi

I do not understand what happens when the strategy is right but the rules are wrong. What happens then? That does happen. We have, as I have called it before, the example that keeps on giving: when th

My Lords, I will speak to Amendments 72 and 75 and to my opposition to Clause 16 standing part of the Bill. I also support the other amendments in this group and their intentions: I think we could tal

My Lords, I shall speak to my Amendment 48. It addresses a simple but important point: the quality of regulation depends on the quality of consultation. At present, consultation periods vary unpredict

My Lords, my Amendment 34 again concerns symmetry of enforcement and redress periods. The Bill introduces a 10-year hard stop on complaints to the Financial Ombudsman Service, but the problem is that