Free and easy?

It is a year since depolarisation came into force and the reaction to the rules and the impact they have had has been mixed to say the least. For some the effect has hardly been noticeable, while for others the feeling is that clients have simply been confused further. The Financial Services Authority (FSA) set out to create wider choice for consumers in a climate that afforded them better information and understanding of what they were buying. Whether this has happened or whether it is still too early to tell remain moot points. In announcing its depolarisation rules, the FSA moved ...