No smoking gun

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In short, the regulator found there were inherent conflicts and that they were not being managed properly.

In a string of findings the FCA said that firms undertaking multiple roles had increased risks of conflict, that disclosing a conflict to a customer was not enough of a solution and that having controls in place would be a better option.

Information given to customers was often seen as too generic, add-ons came under the spotlight again and the watchdog also stated that not managing

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