PS04/27: Reforming Polarisation: Implementation - Feedback on CP04/3 (A menu for being open with consumers) and made text
This Policy statement reports on the main issues arising from Consultation Paper 04/3 ('Reforming Polarisation: A menu for being open with consumers - Including feedback on CP166') published in February 2004.
Introductory documents
Newsletter [ PDF | 173 KB | 6 pages ]
FSA rules herald new era of financial advice
Policy Statement
PS04/27 [ PDF | 1.15 MB | 228 pages ]
Reforming Polarisation: Implementation - Feedback on CP04/3 (A menu for being open with consumers) and made text (November 2004)
Annex 1 [ PDF | 27 KB | 3 pages ]
List of non-confidential respondents to CP04/3
Annex 2 [ PDF | 236 KB | 4 pages ]
Example of a menu
Annex 3 [ PDF | 161 KB | 3 pages ]
Example of an initial disclosure document
Annex 4 [ PDF | 79 KB | 1 pages ]
Statement from Deloitte on our review of the Market Average calculations and results
Appendix 1 [ PDF | 1 MB | 170 pages ]
Final Handbook text
Other relevant information
Reforming Polarisation: A menu for being open with consumers - Including feedback on CP166 (February 2004)
Reforming Polarisation: Removing the barriers to choice - Including feedback on CP121 (January 2003)
Reforming Polarisation: Making the market work for consumers (January 2002)
Reforming Polarisation - First steps (January 2001)
Templates for disclosure documents
IFA Factsheet: Depolarisation [ PDF | 37 KB | 4 pages ]
for reproduction by firms