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Wednesday, 14 December 2016

Stirling Ackroyd Comments on Today’s UK ONS HPI (13.12.16) - See more at: http://insideconveyancing.co.uk/content/stirlingackroydcommentsontodaysukonshpi#sthash.gbXnSzkV.dpuf

“House prices in London are beginning to cool as we head into winter, with Stamp Duty continuing to freeze up the top end of the market while those lower down the chain are feeling the chill from our frosty relationship with Europe. The Capital’s house values have slowed to the pace of the rest of England, as demand for homes in commuter towns in the East and South East are pushing up property prices in these regions.
“In London, we’re now seeing a tale of two cities. Prime Central London is witnessing a decline in values as the punishing top rate of Stamp Duty is halting demand for homes in areas like Fulham and Chelsea. This has caused the Capital’s average house price to fall month-on-month. However, in zone two and the outer boroughs, house price growth is holding as buyers prioritise value for money. The spur in new developments and infrastructure in Tower Hamlets have given the borough double-digit house price growth year-on-year.
“It’s encouraging that a lot of demand for homes in London is coming from first-time buyers, aided by the Governments’ Help to Buy programme. With low borrowing costs, many aspirational homes owners are now sizing the opportunity to get their first foot on the ladder. Yet, there may be storm clouds on the horizon as demand from buy-to-let investors is falling due to the stamp duty surcharge, the end of tax relief on mortgages and tightened rules on buy to let lending. This may lead to higher rents in the New Year as demand for rental properties continues to grow while supply stagnates. It’s also noticeable that in boroughs where the average property price falls into the second highest Stamp Duty bracket, values are falling. First-time buyers are also being held back by stamp duty, which is a huge burden on top of saving for a deposit. This is a clear failure of the policy as it hinders the help the Government provides through Help to Buy. Hopefully, the Government will consider reforming the policy in their new White Paper.”

ONS UK House Price Index – October 2016


  • Average house prices in the UK have increased by 6.9% in the year to October 2016 (down from 7.0% in the year to September 2016)
  • Annual price change of a property in England was 7.4%
  • On a regional basis, London continues to be the region with the highest average house price at £474,000
  • The East of England is the region which showed the highest annual growth, with prices increasing by 12.3% in the year to October 2016
  • Growth in the South East was second highest at 9.1%, followed by London at 7.7%.
  • In London, house prices have fallen 1.2% from last month, but are up 7.7% annually
  • Tower Hamlets has seen 14.4% growth year-on-year
  • Kensington And Chelsea has seen a 4.9% decline annually

https://www.gov.uk/government/statistics/uk-house-price-index-summary-october-2016
https://www.gov.uk/government/publications/uk-house-price-index-england-october-2016/uk-house-price-index-england-october-2016
Kindly shared by Stirling Ackroyd
- See more at: http://insideconveyancing.co.uk/content/stirlingackroydcommentsontodaysukonshpi#sthash.gbXnSzkV.dpuf
“House prices in London are beginning to cool as we head into winter, with Stamp Duty continuing to freeze up the top end of the market while those lower down the chain are feeling the chill from our frosty relationship with Europe. The Capital’s house values have slowed to the pace of the rest of England, as demand for homes in commuter towns in the East and South East are pushing up property prices in these regions.
“In London, we’re now seeing a tale of two cities. Prime Central London is witnessing a decline in values as the punishing top rate of Stamp Duty is halting demand for homes in areas like Fulham and Chelsea. This has caused the Capital’s average house price to fall month-on-month. However, in zone two and the outer boroughs, house price growth is holding as buyers prioritise value for money. The spur in new developments and infrastructure in Tower Hamlets have given the borough double-digit house price growth year-on-year.
“It’s encouraging that a lot of demand for homes in London is coming from first-time buyers, aided by the Governments’ Help to Buy programme. With low borrowing costs, many aspirational homes owners are now sizing the opportunity to get their first foot on the ladder. Yet, there may be storm clouds on the horizon as demand from buy-to-let investors is falling due to the stamp duty surcharge, the end of tax relief on mortgages and tightened rules on buy to let lending. This may lead to higher rents in the New Year as demand for rental properties continues to grow while supply stagnates. It’s also noticeable that in boroughs where the average property price falls into the second highest Stamp Duty bracket, values are falling. First-time buyers are also being held back by stamp duty, which is a huge burden on top of saving for a deposit. This is a clear failure of the policy as it hinders the help the Government provides through Help to Buy. Hopefully, the Government will consider reforming the policy in their new White Paper.”

ONS UK House Price Index – October 2016


  • Average house prices in the UK have increased by 6.9% in the year to October 2016 (down from 7.0% in the year to September 2016)
  • Annual price change of a property in England was 7.4%
  • On a regional basis, London continues to be the region with the highest average house price at £474,000
  • The East of England is the region which showed the highest annual growth, with prices increasing by 12.3% in the year to October 2016
  • Growth in the South East was second highest at 9.1%, followed by London at 7.7%.
  • In London, house prices have fallen 1.2% from last month, but are up 7.7% annually
  • Tower Hamlets has seen 14.4% growth year-on-year
  • Kensington And Chelsea has seen a 4.9% decline annually

https://www.gov.uk/government/statistics/uk-house-price-index-summary-october-2016
https://www.gov.uk/government/publications/uk-house-price-index-england-october-2016/uk-house-price-index-england-october-2016
Kindly shared by Stirling Ackroyd
- See more at: http://insideconveyancing.co.uk/content/stirlingackroydcommentsontodaysukonshpi#sthash.gbXnSzkV.dpuf
“House prices in London are beginning to cool as we head into winter, with Stamp Duty continuing to freeze up the top end of the market while those lower down the chain are feeling the chill from our frosty relationship with Europe. The Capital’s house values have slowed to the pace of the rest of England, as demand for homes in commuter towns in the East and South East are pushing up property prices in these regions.
“In London, we’re now seeing a tale of two cities. Prime Central London is witnessing a decline in values as the punishing top rate of Stamp Duty is halting demand for homes in areas like Fulham and Chelsea. This has caused the Capital’s average house price to fall month-on-month. However, in zone two and the outer boroughs, house price growth is holding as buyers prioritise value for money. The spur in new developments and infrastructure in Tower Hamlets have given the borough double-digit house price growth year-on-year.
“It’s encouraging that a lot of demand for homes in London is coming from first-time buyers, aided by the Governments’ Help to Buy programme. With low borrowing costs, many aspirational homes owners are now sizing the opportunity to get their first foot on the ladder. Yet, there may be storm clouds on the horizon as demand from buy-to-let investors is falling due to the stamp duty surcharge, the end of tax relief on mortgages and tightened rules on buy to let lending. This may lead to higher rents in the New Year as demand for rental properties continues to grow while supply stagnates. It’s also noticeable that in boroughs where the average property price falls into the second highest Stamp Duty bracket, values are falling. First-time buyers are also being held back by stamp duty, which is a huge burden on top of saving for a deposit. This is a clear failure of the policy as it hinders the help the Government provides through Help to Buy. Hopefully, the Government will consider reforming the policy in their new White Paper.”

ONS UK House Price Index – October 2016


  • Average house prices in the UK have increased by 6.9% in the year to October 2016 (down from 7.0% in the year to September 2016)
  • Annual price change of a property in England was 7.4%
  • On a regional basis, London continues to be the region with the highest average house price at £474,000
  • The East of England is the region which showed the highest annual growth, with prices increasing by 12.3% in the year to October 2016
  • Growth in the South East was second highest at 9.1%, followed by London at 7.7%.
  • In London, house prices have fallen 1.2% from last month, but are up 7.7% annually
  • Tower Hamlets has seen 14.4% growth year-on-year
  • Kensington And Chelsea has seen a 4.9% decline annually

https://www.gov.uk/government/statistics/uk-house-price-index-summary-october-2016
https://www.gov.uk/government/publications/uk-house-price-index-england-october-2016/uk-house-price-index-england-october-2016
Kindly shared by Stirling Ackroyd
- See more at: http://insideconveyancing.co.uk/content/stirlingackroydcommentsontodaysukonshpi#sthash.gbXnSzkV.dpuf
“House prices in London are beginning to cool as we head into winter, with Stamp Duty continuing to freeze up the top end of the market while those lower down the chain are feeling the chill from our frosty relationship with Europe. The Capital’s house values have slowed to the pace of the rest of England, as demand for homes in commuter towns in the East and South East are pushing up property prices in these regions.
“In London, we’re now seeing a tale of two cities. Prime Central London is witnessing a decline in values as the punishing top rate of Stamp Duty is halting demand for homes in areas like Fulham and Chelsea. This has caused the Capital’s average house price to fall month-on-month. However, in zone two and the outer boroughs, house price growth is holding as buyers prioritise value for money. The spur in new developments and infrastructure in Tower Hamlets have given the borough double-digit house price growth year-on-year.
“It’s encouraging that a lot of demand for homes in London is coming from first-time buyers, aided by the Governments’ Help to Buy programme. With low borrowing costs, many aspirational homes owners are now sizing the opportunity to get their first foot on the ladder. Yet, there may be storm clouds on the horizon as demand from buy-to-let investors is falling due to the stamp duty surcharge, the end of tax relief on mortgages and tightened rules on buy to let lending. This may lead to higher rents in the New Year as demand for rental properties continues to grow while supply stagnates. It’s also noticeable that in boroughs where the average property price falls into the second highest Stamp Duty bracket, values are falling. First-time buyers are also being held back by stamp duty, which is a huge burden on top of saving for a deposit. This is a clear failure of the policy as it hinders the help the Government provides through Help to Buy. Hopefully, the Government will consider reforming the policy in their new White Paper.”

ONS UK House Price Index – October 2016


  • Average house prices in the UK have increased by 6.9% in the year to October 2016 (down from 7.0% in the year to September 2016)
  • Annual price change of a property in England was 7.4%
  • On a regional basis, London continues to be the region with the highest average house price at £474,000
  • The East of England is the region which showed the highest annual growth, with prices increasing by 12.3% in the year to October 2016
  • Growth in the South East was second highest at 9.1%, followed by London at 7.7%.
  • In London, house prices have fallen 1.2% from last month, but are up 7.7% annually
  • Tower Hamlets has seen 14.4% growth year-on-year
  • Kensington And Chelsea has seen a 4.9% decline annually

https://www.gov.uk/government/statistics/uk-house-price-index-summary-october-2016
https://www.gov.uk/government/publications/uk-house-price-index-england-october-2016/uk-house-price-index-england-october-2016
Kindly shared by Stirling Ackroyd
- See more at: http://insideconveyancing.co.uk/content/stirlingackroydcommentsontodaysukonshpi#sthash.gbXnSzkV.dpuf
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Wednesday, 12 October 2016

“Elementary!” say conveyancers at the Land Registry’s lack of trust







Placing a form A restriction upon a title if a conveyancer neglected to indicate the exact nature of the tenancy at the point of registration, has been the well-established default practice of the Land Registry. The automatic procedure which once usually involved ticking the relevant box on the transfer, may have now have come back to the detriment of conveyancers.
This is largely down to trusts that may or may not be relevant to the title and the Registry’s eagerness to concern itself with them. Around the early 1990s such trusts provided little interest to the Registry. Should the resulting transaction be taken out by fewer than two transferors, a court order is needed by the restriction.
Had this transfer been undertaken by the original two individuals who brought about the restriction, the process would be made a lot less difficult for conveyancers as well as the Registry itself. This would mean the original form A restriction would be overridden – unless there is an application for it to be retained – which should be removed simultaneously.
Currently, the procedure to clear a form A restriction seems complex, and arguably relying on conveyancers to become something “akin to Sherlock Holmes” according to Maidenhead based solicitor, Peter Mason-Apps. The restriction which may have been left by a transferor unable to be traced or a closed conveyancing firm can lead to difficulties Mason-Apps contests, with the matter being one for the original transferring trustees as opposed to the Registry. Presently it is the conveyancer being left with the responsibility of administering sufficient detective skills in order to provide the Registry with the certificate or obtain and complete ST5. Considering the often long period of time which has elapsed however, it may be arguable that observation of the trust should be left instead in the hands of the trustees and free the conveyancer of this seemingly unnecessary burden.
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Wednesday, 21 September 2016

£7,500 raised at this year’s LFS Awards





Delegates showed their generosity at this year’s LFS Awards during fundraising for the two worthy causes.

Around £7,500 was raised for the charities, Prostate Cancer UK and The Children’s Hospital Charity, after some great battles during the auction and fantastic prizes won for the raffle.
It was also a successful night for many of the evening’s guests, with a number of firms winning multiple awards throughout the night.
The official Judges’ Report has also been released, with much praise being given to the entrants.
You can now register to enter the LFS Awards 2017 – please contact the team for more information.
North West Conveyancing Firm of the Year 2016
  1. Highly Commended: Napthens Solicitors
  1. Highly Commended: Birchall Blackburn
  1. Winner: PLS Solicitors
Yorkshire & North East Conveyancing Firm of the Year 2016
  1. Highly Commended: Switalskis Solicitors
  1. Highly Commended: Humble & Clark Legal
  1. Winner: Harrowells Ltd Solicitors 
Wales & West Midlands Conveyancing Firm of the Year 2016
  1. Highly Commended: Shakespeare Martineau
  1. Highly Commended: Quality Solicitors Davisons
  1. Winner: Howells Legal
East Midlands Conveyancing Firm of the Year 2016
  1. Highly Commended: Fraser Brown
  1. Highly Commended: Fidler & Pepper Solicitors
  1. Winner: John M Lewis
South & South West Conveyancing Firm of the Year 2016
  1. Highly Commended: Coffin Mew LLP
  1. Highly Commended: Bright LLP Solicitors
  1. Winner: Thomas Legal Group
London & South East Conveyancing Firm of the Year 2016
  1. Highly Commended: Quality Solicitors Martin Tolhurst
  1. Highly Commended: Downs Solicitors LLP
  1. Winner: AV Rillo
Direct Conveyancer of the Year 2016
  1. Highly Commended: My Home Move 
  1. Highly Commended: Conveyancing Direct Ltd
  1. Winner: Howells Solicitors
Small Conveyancing Firm (North) of the Year 2016
  1. Highly Commended: Go Convey
  1. Highly Commended: Quality Solicitors Mander Cruickshank
  1. Winner: Valerie Holmes Property Lawyers
Small Conveyancing Firm (South) of the Year 2016
  1. Highly Commended: Saracens Solicitors
  1. Highly Commended: Bright LLP 
  1. Winner: Hedges Law
Young Conveyancer of the Year 2016
  1. Highly Commended: Shaun Anderton, Total Conveyancing Services
  1. Highly Commended: Laura Preston, Talbots Law
  1. Highly Commended: Naveen Vera Palram, Stratega
  1. Winner: Jack Medlicott, PLS Solicitors
Website and Use of Social Media Conveyancing Firm of the Year 2016
  1. Highly Commended: Eric Robinson
  1. Highly Commended: My Home Move 
  1. Winner: Stephensons
Lender of the Year 2016 

  1. Winner Bronze: Lloyds
  1. Winner Silver: Nationwide
  1. Winner Gold: Santander
Overall Conveyancer of the Year 2016
  1. Winner Bronze: PLS Solicitors 
  1. Winner Silver: AV Rillo
  1. Winner Gold: Howells Solicitors
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Monday, 1 August 2016

Number of transactions liable for SDLT rises 10 percent year on year





The number of property transactions liable for stamp duty in the second quarter of 2016 was 10% higher than in 2015.
For those under £250,000 the number liable rose 8% with those between £250,000 and £500,000 rising 12%. For those over £500,000 was 18% higher than the second quarter of 2015.
On a quarter to quarter basis, the number of properties liable for the charge wast just 1% higher overall than in the first three months of the year. For transactions worth less than £250,000 the rise was 6%. For the £250,000 to £500,000 bracket the number actually declined 2%, with those worth over £500,000 declining by 9%.
The number of non-liable transactions in Quarter 2 of 2016 was 21% lower than the previous quarter, and 18% lower than Quarter 2 of 2015.
According to HMRC, the drop in non-liable transactions in Quarter 2 of 2016 is associated with the introduction of higher rates for additional properties in April 2016. The increase in rates has led to additional properties sold for under £125,000 becoming liable for SDLT.
Andrew Bridges, managing director of Stirling Ackroyd said: “Just a couple of months down the line from April’s stamp duty surcharge and the first results are in. The volume of properties sold keeps growing – and it’s at the lower-end of the market where momentum is at its highest. It may be too early to call but it seems the government’s changes aren’t off-putting buyers from snapping up those additional properties.
“But raising stamp duty is a risky business. Buyers may have been able to grab second properties amid Brexit and economic uncertainty with sellers having to settle for lower prices. However at the top end of the market, buyers are looking scared and many are reluctant to shoulder the extra cost. It seems buy to let investors are still primarily competing with first time buyers for lower value properties. As we enter a post-Brexit property market, the government may have to look again at the surcharge and assess whether it is helping or hindering the market.”
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Wednesday, 25 May 2016

Arboriculture






rom Wikipedia, the free encyclopedia
An arborist practicing arboriculture: using a chainsaw to fell a eucalyptus tree in a park at Kallista, Victoria.
Arboriculture /ˈɑːrbərᵻkʌltʃər/ is the cultivation, management, and study of individual trees, shrubs, vines, and other perennial woody plants. The science of arboriculture studies how these plants grow and respond to cultural practices and to their environment. The practice of arboriculture includes cultural techniques such as selection, planting, training, fertilization, pest and pathogen control, pruning, shaping, and removal.
A person who practices or studies arboriculture can be termed an 'arborist' or an 'arboriculturist'. A 'tree surgeon' is more typically someone who is trained in the physical maintenance and manipulation of trees and therefore more a part of the arboriculture process rather than an arborist. Risk management, legal issues, and aesthetic considerations have come to play prominent roles in the practice of arboriculture. Businesses often need to hire arboriculturists to complete "tree hazard surveys" and generally manage the trees on-site to fulfill occupational safety and health obligations.
Arboriculture is primarily focused on individual woody plants and trees maintained for permanent landscape and amenity purposes, usually in gardens, parks or other populated settings, by arborists, for the enjoyment, protection, and benefit of human beings. It falls under the general umbrella of horticulture.

Contents

See also

Portal icon Trees portal
Portal icon Plants portal
Portal icon Gardening portal

Notes

References

  • Harris, Richard W. (1983). Arboriculture: Care of Trees, Shrubs, and Vines in the Landscape. Englewood Cliffs, New Jersey 07632: Prentice-Hall, Inc. pp. 2–3. ISBN 0-13-043935-5.
  • "arboriculture". Merriam-Webster's Collegiate Dictionary, Eleventh Edition. Merriam-Webster.
  • "arboriculture". Encyclopædia Britannica Online. 2007.
  • "arboriculture". The American Heritage Dictionary of the English Language, Fourth Edition Online. Houghton Mifflin Company. 2000.

External links

Wikisource has the text of the 1905 New International Encyclopedia article Arboriculture.
Authority control
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Monday, 4 April 2016

Financial Conduct Authority



From Wikipedia, the free encyclopedia
Financial Conduct Authority
Financial Conduct Authority.png
Agency overview
Formed 1 April 2013
Preceding agency
Jurisdiction United Kingdom
Headquarters 25 North Colonnade London
Annual budget £452m (2014/2015)[1]
Agency executives
Website fca.org.uk
The Financial Conduct Authority (FCA) is a financial regulatory body in the United Kingdom, but operates independently of the UK government, and is financed by charging fees to members of the financial services industry.[3] The FCA regulates financial firms providing services to consumers and maintains the integrity of the UK’s financial markets.[4] It focuses on the regulation of conduct by both retail and wholesale financial services firms.[5] Like its predecessor the FSA, the FCA is structured as a company limited by guarantee.

Contents

History

On 19 December 2012 the Financial Services Act 2012 received royal assent, and it came into force on 1 April 2013.[6] The Act created a new regulatory framework for financial services and abolished the Financial Services Authority.[6] Specifically, the Act gave the Bank of England responsibility for financial stability, bringing together macro and micro prudential regulation, created a new regulatory structure consisting of the Bank of England's Financial Policy Committee, the Prudential Regulation Authority and the Financial Conduct Authority.[6]

Powers

The authority has significant powers, including the power to regulate conduct related to the marketing of financial products. It is able to specify minimum standards and to place requirements on products.[7] It has the power to investigate organisations and individuals.[8]
In addition, the FCA is able to ban financial products for up to a year while considering an indefinite ban; it will have the power to instruct firms to immediately retract or modify promotions which it finds to be misleading, and to publish such decisions.[7]
The authority is responsible for regulating the consumer credit industry from 1 April 2014, taking over the role from the Office of Fair Trading.[9]

Sectors and firms

Banks

The Financial Services Act of 2012 set out a new system for regulating financial services in order to protect and improve the UK’s economy.[10]
The FCA will supervise banks to:
  • Ensure they treat customers fairly
  • Encourage innovation and healthy competition
  • Help the FCA to identify potential risks early so they can take action to reduce the risks

Mutual societies

There are more than 10,000 mutual societies in the UK. The FCA are responsible for:[11]
  • Registering new mutual societies
  • Keeping public records
  • Receiving annual returns

Financial advisers

Rules came into force in 2012 for Independent Financial Advisers (IFAs) following the Retail Distribution Review (RDR) rules.[12] To be classed as an IFA, businesses need to:
  • Offer a broad range of retail investment products
  • Give consumers unbiased and unrestricted advice based on comprehensive and fair market analysis

Leaders

In early 2011, it was confirmed that the new head of the FCA will be Martin Wheatley, formerly chairman of Hong Kong's Securities and Futures Commission.[7][13][14][15] In June 2012 it was confirmed that John Griffith-Jones would become the non-executive chair of the FCA once the FSA ceases operations in 2013.[15][16][17] Griffith-Jones joined the FSA board in September 2012 as a non-executive director and deputy chair.[16][17] Griffith-Jones retired from KPMG, where he was chairman of the UK division, in August 2012.[16][17]
In December 2013, it was announced that head of asset management supervision Ed Harley had left the regulator to take up a role at Goldman Sachs Asset Management.[18]

Criticism

In June 2013, the Financial Conduct Authority was criticised by the Parliamentary Commission for Banking Standards, in their report "Changing Banking for Good", which stated:
The interest rate swap scandal has cost small businesses dear. Many had no concept of the instrument they were being pressured to buy. This applies to embedded swaps as much as standalone products. The response by the FSA and FCA has been inadequate. If, as they claim, the regulators do not have the power to deal with these abuses, then it is for the Government and Parliament to ensure that the regulators have the powers they need to enable restitution to be made for this egregious mis-selling.
— Parliamentary Commission for Banking Standards, Report - Changing Banking for Good [19]
The FCA was rebuked by the Treasury Select Committee for lack of concern over the increase in mortgage interest rates of the Bank of Ireland's UK subsidiary.[20][21]
There have been calls for the resignation of chairman John Griffith-Jones because of his responsibility for auditing HBOS as chairman of KPMG at the time of the financial crisis of 2007–08.[22] There has also been criticism of chief executive Martin Wheatley because of his responsibility for the minibond fiasco in Hong Kong. There were not the customary pre-appointment hearings for either John Griffith-Jones or Martin Wheatley, so that people could not disapprove of these appointments by submitting evidence to these hearings.
On 10 December 2014, the FCA released a report from Simon Davis from Clifford Chance LLP inquiring into the events of 27/28 March 2014 relating to the press briefing of information in the FCA's 2014/15 Business Plan.
The report recommended:
  • That there be substantial improvement in the procedures relating to the identification, control and release of price-sensitive information,
  • That the final version of the FCA's Business Plan should only be made available publicly to all market participants at the same time,
  • That the relevant review team address the issue of price-sensitive information in any assessment of a potential thematic review, and
  • That the FCA urgently put in place price and volume monitoring procedures, combined with an action plan for the effective management of the FCA's reaction to any issues involving the uncontrolled release of price-sensitive information originating from or involving the FCA.
On 16 December 2014, the Treasury Select Committee commenced taking evidence on the press briefing.

Name

The "Consumer Protection Agency" (CPA) promised in 2009 by the Conservative Party [23] became "Consumer Protection and Markets Authority" (CPMA), which was changed to Financial Conduct Authority (FCA) after the Treasury Select Committee pointed out that this name could mislead consumers.[24]

See also

References


  • "Business Plan 2014-2015" (PDF). FCA. Retrieved 6 June 2015.
    1. Trotman, Andrew (17 March 2011). "What next for the FSA?". The Daily Telegraph (London).

    External links


  • "Chief Executive - Tracey McDermott". Financial Conduct Authority. Retrieved 17 October 2015.

  • "First Chair of the new Financial Conduct Authority appointed". Retrieved 2 November 2012.

  • Vina, Gonzalo. "U.K. Scraps FSA in Biggest Bank Regulation Overhaul Since 1997". Businessweek (Bloomberg). Retrieved 16 June 2010.

  • "Reform and regulation". HM Treasury. 17 June 2010. Retrieved 17 June 2010. Archived here.

  • "Financial Services Bill receives Royal Assent". HM Treasury. 19 December 2012. Retrieved 4 January 2013.

  • "The Financial Conduct Authority: What it Does and Who is Charge". Financial Times (London). 8 November 2011. Retrieved 20 August 2012.

  • "News and investigations". fca.org.uk. Retrieved 6 June 2015.

  • "OFT’s work and responsibilities after 31 March 2014". Office of Fair Trading. 2014. Retrieved 27 March 2014. Archived here.

  • "FCA - Banks".

  • "FCA - Mutual Societies".

  • "FCA - Independent Financial Advisers".

  • "Regulatory Reform". FSA web site. FSA. Retrieved 20 August 2012.

  • "Wheatley to head new UK consumer regulator". The Financial Times. 2011-02-02. Retrieved 2010-02-02.

  • "First Chair of the new Financial Conduct Authority appointed". Newsroom & Speeches. HM Treasury. 11 June 2012. Retrieved 20 August 2012.

  • "KPMG UK chairman John Griffith-Jones to head Financial Conduct Authority". The Telegraph (London). 11 June 2012. Retrieved 20 August 2012.

  • Masters, Brooke (11 June 2012). "KPMG’s UK boss to chair new watchdog". Financial Times. Retrieved 20 August 2012.

  • Alex Steger. "FCA asset management head to join Goldman Sachs AM". New Model Adviser. Retrieved 6 June 2015.

  • "Changing banking for good - Parliamentary Commission on Banking Standards". parliament.uk. Retrieved 6 June 2015.

  • "Correspondence published with FSA on Bank of Ireland". UK Parliament. Retrieved 6 June 2015.

  • "Rebuke for new FCA boss ahead of launch day". scotsman.com. Retrieved 6 June 2015.

  • Bowers, Simon (10 April 2013). "HBOS heat turns on head of new City regulator John Griffith-Jones". The Guardian (London).

  • "Plans for sound banking" (PDF). Conservative Party. Retrieved 6 June 2015.

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