retail financial services industry summary of current legislative and regulatory initiatives eighth edition september 2005 çåíéåíë part i savings 2 life insurance investment management 9 ii deposit taking mortgages credit 14 banking consumer 18 iii distribution 22 advice intermediaries 28 iv other relevant 29 to market generally for further information please contact david rouch 65 fleet street london ec4y 1hs 44 20 7936 4000 t f e w 7832 7001 freshfields com the opinions contained in this document are as at is not intended be a comprehensive study nor provide legal should relied on or treated substitute specific concerning individual situations speaks its date does reflect any changes law practice after that bruckhaus deringer m êí fw ë îáåöë sector product type area activity main initiative s fsa work iáñé áåëìê ååé general post equitable crisis matters future regulation
