Here you can browse the report together with the Proceedings of the Committee. The published report was ordered by the House of Commons to be printed 19 July 2004.
Terms of Reference
Summary
1 Introduction
The issue
Conduct of this inquiry
2 Confidence in long-term savings
The long-term savings market
Confidence in long-term savings
3 Improving product information
Summary Boxes
Risk ratings
4 Aligning savers' and industry interests
Senior management remuneration
The role of commission
Regulatory costs & commission
Rewarding superior investment returns
5 Improving distribution
Independent Financial Advisers
The menu of fees and commissions
Self-regulation of IFAs and others in the industry
6 With-profits products
Reform of with-profits funds & smoothed investment products
Closed funds
The role of actuaries
7 Sandler Products
The selling process
Price caps
The price cap setting process
8 The role of the FSA
The performance of the FSA
Appropriate regulatory burden
Speed of enforcement
The Financial Ombudsman Service
Establishing an identity with the consumer
9 Tax & benefits
Tax
Pensions
Benefits
10 Financial capability
Consumer education
Workplace based advice
The role of Citizens Advice Bureaux
11 Conclusions
Conclusions and recommendations
Formal minutes
Witnesses
List of written evidence
List of unprinted written evidence
List of Reports from the Treasury Committee since 2001 MINUTES OF EVIDENCE - VOLUME II (HC 71-II) Tuesday 11 November 2003 Tuesday 2 December 2003 Thursday 22 January 2004 Tuesday 27 January 2004 Tuesday 16 March 2004 Tuesday 27 April 2004 Thursday 6 May 2004 Tuesday 11 May 2004 Thursday 20 May 2004 Tuesday 25 May 2004 Tuesday 8 June 2004 Tuesday 23 June 2004 Monday 28 June 2004 WRITTEN EVIDENCE - VOLUME II (HC 71-II)