Where now for regulation after decade of turmoil?

When we look back at ten years of government policy and regulatory change, we can see the same themes returning over and over again. As governments and regulators revisit the same big problems every few years, they often develop similar solutions, getting a little bit more adventurous each time. Familiar problems include the large number of people who do not save for old age, and the imbalance in knowledge and information between customers and the financial services industry. The government can encourage people to save more or to shop around more, but the only way to guarantee a solution...