FSA should be shown another way

I write in regards to the letter 'Regulation is a government cash cow' (Insurance Age, April, p21). The author of the letter hits the nail on the head, and the conclusion has to be that the Financial Services Authority (FSA) needs a major overhaul if it is to get its act together. When one thinks of how much has been spent on insurance and banking regulation to date, and yet it still suggests the industry is lightly regulated, something has gone desperately wrong.

We need a regulator that has its

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