The FSA's Approach - Unwritten rules

As the countdown to regulation continues, those intermediaries aimingto continue trading after the January 2005 deadline will already beplanning for FSA authorisation with a root-and-branch re-evaluation oftheir businesses.

The challenge for many - especially the smaller firms - will be a stiffone, throwing a harsh spotlight on every aspect of their business.

A fallout rate for independent intermediaries of between 25% and 40% iswidely predicted as a result of regulation. Of special concern,

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