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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n2lwgy6u.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n2lwgy6u.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n2lwgy6u.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n2lwgy6u.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n2lwgy6u.nxe :where(ul,ol){padding-left:20px}#nxe-n2lwgy6u.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n2lwgy6u.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n2lwgy6u.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n2lwgy6u.nxe svg{display:none}#nxe-n2lwgy6u.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n2lwgy6u.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2lwgy6u.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"editorial\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A09 \u00b7 TOPIC \u00b7 market-conduct-and-consumer-<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Financial Regulation Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Financial Regulation Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Market conduct and consumer protection<\/h1><p class=\"nx-tagline\">Conduct regulation governs how financial firms design, sell and service products and how they behave in markets. Customers face complex products, unequal information and predictable behavioural biases; markets depend on fair dealing and price integrity. This page explains how conduct failures develop from product design to mis-selling and market abuse, how they spread across firms, which measures securities and consumer protection authorities use, and what the evidence can and cannot show.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">7 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">The short answer<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">Market conduct and consumer protection: how the risk develops<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\">Terms used on this page<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\">What is measured, and how well<\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Canvas<\/span><span class=\"nx-register-v\">From sources to decisions<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where the evidence comes from<\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Decisions<\/span><span class=\"nx-register-v\">Who decides, and what the evidence serves<\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Activity and exposure in World<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Supervisory review console, in outline<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Market conduct and consumer\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Conduct regulation governs how financial firms design, sell and service products and behave in markets. Customers face complex products, unequal information and predictable biases, so disclosure alone rarely protects them; suitability rules, product governance, intervention powers, ombudsman schemes and market abuse rules fill the gap.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Activity and exposure in World.<\/h2><p class=\"nx-lede\">For market conduct and consumer protection, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on World; every other NASA layer, live feed and forecast waits in the layer list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"world:finance\" data-ml-points=\"on\" data-ml-src=\"finance\" data-ml-plan=\"p-87583761\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-180,-58,180,84\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, World: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies, last day<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For market conduct and consumer protection, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on World; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Active fires and thermal anomalies, last day: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/market-conduct-and-consumer-protection\/#map\" data-nxf-title=\"Financial Regulation Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Supervisory review console, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-regulation-supervision\" data-cx=\"regulation.supervision\" data-variant=\"section\" aria-label=\"Supervisory review console: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Supervisory review console<\/h3><p class=\"nx-fk-sub\">Market conduct and consumer protection \u00b7 Bank supervision \u00b7 Cycle 1<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>10 findings overdue<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Financial Regulation Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Firms by risk rating<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-regulation-supervision-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-regulation-supervision-t0\" aria-label=\"Firms by risk rating\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Firm<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Impact<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Risk rating<\/button><\/th><th scope=\"col\" data-col=\"c3\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Open findings<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Intensity<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-regulation-supervision:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Bank B<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"7\">7<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Bank D<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"1\">1<\/td><td>Standard<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Insurer Alpha<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"4\">4<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Fintech F1<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td>Light<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kanban\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Findings<\/h4><\/div><\/div><div class=\"nx-cx-kb\" data-n=\"3\"><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Open<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"watch\"><span class=\"nx-cx-ct\">Model validation gaps<\/span><span class=\"nx-cx-cm\">Bank B<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Remediating<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"live\"><span class=\"nx-cx-ct\">Climate data quality<\/span><span class=\"nx-cx-cm\">Insurer Alpha<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Closed<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"ok\"><span class=\"nx-cx-ct\">Liquidity reporting<\/span><span class=\"nx-cx-cm\">Bank D<\/span><\/div><\/div><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Climate expectations met<\/h4><p class=\"nx-fk-panel-sub\">share of firms, thematic review<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 128\" width=\"460\" height=\"128\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Climate expectations met\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"124\" y=\"19\" text-anchor=\"end\">Governance<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"neg\" x=\"132\" y=\"4\" width=\"134.2\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"272.2\" y=\"19\">65 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"0\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"124\" y=\"49\" text-anchor=\"end\">Risk management<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"neg\" x=\"132\" y=\"34\" width=\"121.3\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"259.3\" y=\"49\">58 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"30\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"124\" y=\"79\" text-anchor=\"end\">Scenario analysis<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"neg\" x=\"132\" y=\"64\" width=\"84.2\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"222.2\" y=\"79\">40 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"60\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"124\" y=\"109\" text-anchor=\"end\">Disclosure<\/text><rect data-m=\"bar\" data-k=\"b-b3\" data-c=\"neg\" x=\"132\" y=\"94\" width=\"109.3\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"247.3\" y=\"109\">53 pct \u00b7 req 100<\/text><rect data-m=\"hit\" x=\"0\" y=\"90\" width=\"460\" height=\"30\"\/><\/g><\/svg><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Supervisory review console: the screen's structure, terms and states for Market conduct and consumer protection.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Market conduct and consumer protection: how the risk develops.<\/h2><p class=\"nx-lede\">Disclosure, fairness and protection. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M4.268 21a2 2 0 0 0 1.727 1H18a2 2 0 0 0 2-2V7l-5-5H6a2 2 0 0 0-2 2v3\"\/><path d=\"m9 18-1.5-1.5\"\/><circle cx=\"5\" cy=\"14\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Disclosure without understanding<\/h3><p class=\"nx-p nx-mt-1\">Long or complex disclosure meets the letter of the rule while customers still cannot compare price, risk or terms. Present bias, inertia and overconfidence let poor-value products persist even in markets with many competitors.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M11 15h2a2 2 0 1 0 0-4h-3c-.6 0-1.1.2-1.4.6L3 17\"\/><path d=\"m7 21 1.6-1.4c.3-.4.8-.6 1.4-.6h4c1.1 0 2.1-.4 2.8-1.2l4.6-4.4a2 2 0 0 0-2.75-2.91l-4.2 3.9\"\/><path d=\"m2 16 6 6\"\/><circle cx=\"16\" cy=\"9\" r=\"2.9\"\/><circle cx=\"6\" cy=\"5\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Incentives shape selling<\/h3><p class=\"nx-p nx-mt-1\">Commissions, sales targets and conflicted advice push products to customers they do not fit. Product governance and suitability rules act at the design and distribution stages, before harm shows up as complaints.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Harm scales across firms<\/h3><p class=\"nx-p nx-mt-1\">A profitable practice spreads as competitors copy it, so mis-selling is often industry-wide. When it surfaces, redress, litigation and lost trust land together, and large remediation can carry prudential consequences.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M2 12s3-7 10-7 10 7 10 7-3 7-10 7-10-7-10-7Z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Abuse erodes market integrity<\/h3><p class=\"nx-p nx-mt-1\">Insider dealing, manipulation and front-running distort prices and deter participation. Fragmented venues and fast trading make surveillance depend on complete, timely transaction and order reporting.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Suitability rule<\/td><td data-label=\"Definition\">A requirement that a firm recommend only products that fit a customer's needs, circumstances and risk tolerance.<\/td><\/tr><tr><td data-label=\"Term\">Product intervention<\/td><td data-label=\"Definition\">A regulator's power to restrict or ban the marketing or sale of a financial product.<\/td><\/tr><tr><td data-label=\"Term\">Redress<\/td><td data-label=\"Definition\">Compensation paid to customers harmed by a firm's misconduct.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Consumer complaints by product<\/td><td data-label=\"Unit\">count per product per period<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Regulator and ombudsman complaint data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Complaints upheld by an ombudsman<\/td><td data-label=\"Unit\">percent of decided complaints upheld<\/td><td data-label=\"Cadence\">semi-annual<\/td><td data-label=\"Source type\">Ombudsman publications<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Conduct enforcement actions<\/td><td data-label=\"Unit\">count of final notices, orders and settlements<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Regulator enforcement registers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Redress paid under remediation schemes<\/td><td data-label=\"Unit\">currency amount per scheme<\/td><td data-label=\"Cadence\">per scheme<\/td><td data-label=\"Source type\">Regulator and firm disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Suspicious transaction and order reports<\/td><td data-label=\"Unit\">count of reports received<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Market abuse reporting to regulators<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Product intervention measures in force<\/td><td data-label=\"Unit\">count by product type and authority<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Product intervention notices<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Consumer protection legal coverage<\/td><td data-label=\"Unit\">presence of specified protections by jurisdiction<\/td><td data-label=\"Cadence\">per survey round<\/td><td data-label=\"Source type\">World Bank consumer protection survey<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">IOSCO principles observance<\/td><td data-label=\"Unit\">grade per principle<\/td><td data-label=\"Cadence\">per FSAP<\/td><td data-label=\"Source type\">IMF and World Bank detailed assessment<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/market-conduct-and-consumer-protection\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Market conduct and consumer protection as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a09-topics-market-conduct-and-consumer-pr-t nx-dag-a09-topics-market-conduct-and-consumer-pr-d\" data-nx-z=\"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\"><title id=\"nx-dag-a09-topics-market-conduct-and-consumer-pr-t\">Market conduct and consumer protection: food security early warning to early action<\/title><desc id=\"nx-dag-a09-topics-market-conduct-and-consumer-pr-d\">Market prices, crop conditions and rainfall feed a seasonal outlook and a food security analysis by area; projected phases are tested against pre-agreed triggers, and early actions are released before the lean season. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">CFPB Consumer Complaint Database<\/td><td data-label=\"What it gives\">Complaints about consumer financial products and companies' responses, United States<\/td><td data-label=\"Licence class\">Public domain, US government work<\/td><\/tr><tr><td data-label=\"Source\">FCA Financial Services Register and complaints data<\/td><td data-label=\"What it gives\">Authorisation status of firms and firm-level complaint returns, United Kingdom<\/td><td data-label=\"Licence class\">Open Government Licence<\/td><\/tr><tr><td data-label=\"Source\">ESMA sanctions register and product intervention notices<\/td><td data-label=\"What it gives\">Sanctions under EU securities law and product intervention measures<\/td><td data-label=\"Licence class\">Public, reuse with attribution<\/td><\/tr><tr><td data-label=\"Source\">SEC litigation releases and administrative proceedings<\/td><td data-label=\"What it gives\">Enforcement actions under US securities law<\/td><td data-label=\"Licence class\">Public domain, US government work<\/td><\/tr><tr><td data-label=\"Source\">World Bank Global Financial Inclusion and Consumer Protection Survey<\/td><td data-label=\"What it gives\">Cross-country records of consumer protection law, institutions and practice<\/td><td data-label=\"Licence class\">Free and open, CC BY<\/td><\/tr><tr><td data-label=\"Source\">IMF FSAP detailed assessments of the IOSCO Principles<\/td><td data-label=\"What it gives\">Assessments of securities regulation, including conduct and market integrity<\/td><td data-label=\"Licence class\">Public, IMF copyright and terms<\/td><\/tr><tr><td data-label=\"Source\">Financial ombudsman published decisions<\/td><td data-label=\"What it gives\">Decisions on individual complaints showing how fairness standards are applied<\/td><td data-label=\"Licence class\">Public records, terms per scheme<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A09\/topics\/market-conduct-and-consumer-protection\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Financial Regulation Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Securities and conduct regulators<\/td><td data-label=\"The question\">Which products, practices and firms to prioritise for supervision and enforcement<\/td><td data-label=\"Evidence this page serves\">Complaint trends by product, enforcement case histories, product intervention precedents<\/td><\/tr><tr><td data-label=\"Who decides\">Consumer protection authorities and legislatures<\/td><td data-label=\"The question\">Whether disclosure rules, cooling-off rights or product bans are needed<\/td><td data-label=\"Evidence this page serves\">Comparative rules, behavioural evidence on disclosure, case histories of harm<\/td><\/tr><tr><td data-label=\"Who decides\">Financial ombudsman schemes<\/td><td data-label=\"The question\">How to apply fairness standards consistently across similar complaints<\/td><td data-label=\"Evidence this page serves\">Published decisions and the rules and guidance they apply<\/td><\/tr><tr><td data-label=\"Who decides\">Boards of financial firms<\/td><td data-label=\"The question\">Whether products deliver fair value and whether incentives drive mis-selling<\/td><td data-label=\"Evidence this page serves\">Product governance expectations, enforcement precedents, complaint root-cause practice<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Comparative briefs on disclosure, suitability and product governance rules<\/li><li>Case libraries of industry-wide mis-selling and how it was detected<\/li><li>Complaint and enforcement data guides with definitions and breaks noted<\/li><li>Supervisory learning material on market abuse surveillance<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What experts ask.<\/h2><p class=\"nx-lede\">Conduct researchers ask what makes financial markets fair in practice.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><ul class=\"nx-list\"><li>Does disclosure enable informed decisions, or do customers need stronger protections?<\/li><li>How do product design, distribution and incentives affect customer outcomes?<\/li><li>How is market abuse, such as insider dealing and manipulation, detected and deterred?<\/li><li>How do digital channels and personalised pricing change conduct risk?<\/li><li>How do outcome-based approaches compare with rules-based conduct regulation?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms-and-drivers\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms and drivers<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Information gaps and incentives.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Financial products are often complex, long-term and hard to evaluate, and sellers typically know more than buyers. Conduct regulation addresses these asymmetries. Traditional approaches relied on disclosure, but behavioural research shows that many people do not read or understand disclosures and are influenced by framing, defaults and inertia. This has led to approaches focusing on product governance, suitability and outcomes.<\/p><p class=\"nx-p\">Incentives in distribution, such as commissions, can lead to mis-selling. Market integrity depends on deterring abuse that undermines confidence in prices. Digital channels bring convenience but also new risks: design that nudges harmful choices, rapid scaling of poor products and use of data in ways customers do not expect.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How the evidence is built, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Behavioural research<\/h3><p class=\"nx-p nx-mt-1\">Studying how customers make decisions, drawing on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/game-theory\/\">game theory<\/a> and behavioural economics. Experiments may not reflect real choices.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Comparative regulation<\/h3><p class=\"nx-p nx-mt-1\">Comparing conduct regimes using <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/policy-science\/\">policy and institutional science<\/a>. Outcomes depend on enforcement.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Complaints and outcome data<\/h3><p class=\"nx-p nx-mt-1\">Analysing published complaints and enforcement data. Data reflects what is reported.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Market surveillance research<\/h3><p class=\"nx-p nx-mt-1\">Studying detection of abuse. Detailed surveillance data is confidential.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/policy-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Policy, institutional and decision science<\/span><span class=\"nx-mledger-role\">Regulatory impact assessment \u00b7 Comparing supervisory architectures<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/policy-science\/\" aria-label=\"Policy, institutional and decision science: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/game-theory\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Game theory and mechanism design<\/span><span class=\"nx-mledger-role\">Home-host cooperation in resolution \u00b7 Regulatory competition between jurisdictions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/game-theory\/\" aria-label=\"Game theory and mechanism design: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Costs and benefits of capital requirements \u00b7 Tracing leakage of macroprudential measures<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/data-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Data engineering, interoperability and stewardship<\/span><span class=\"nx-mledger-role\">Mapping templates to a common model \u00b7 Entity resolution with identifiers<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/data-engineering\/\" aria-label=\"Data engineering, interoperability and stewardship: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Complaint data reflect who complains and how schemes classify cases, not the full extent of harm. Enforcement counts mirror priorities and resources as much as misconduct. Definitions and reporting thresholds differ across jurisdictions and change over time. Behavioural evidence comes mostly from specific markets and may not transfer. Financial Regulation Nexus does not handle complaints, investigate firms or give legal, financial or investment advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is a suitability rule?<\/summary><div class=\"nx-answer\">A requirement that a firm recommending a product takes reasonable steps to ensure it fits the customer's needs, knowledge, financial situation and risk tolerance. It applies to advice and, in many regimes, to portfolio management.<\/div><\/details><details><summary>Does more disclosure protect consumers?<\/summary><div class=\"nx-answer\">Not on its own. Evidence shows that long or complex disclosure is rarely read or understood, which is why regimes have added product governance, fair value and outcome-based duties.<\/div><\/details><details><summary>What is the difference between a regulator and an ombudsman?<\/summary><div class=\"nx-answer\">A regulator sets and enforces rules across the market. An ombudsman resolves individual disputes between a customer and a firm, usually on what is fair in the circumstances, and can award redress.<\/div><\/details><details><summary>Can this page help with a complaint?<\/summary><div class=\"nx-answer\">No. Complaints go first to the firm and then to the competent ombudsman or regulator in the customer's jurisdiction.<\/div><\/details><details><summary>Does disclosure protect consumers?<\/summary><div class=\"nx-answer\">Partly. Research shows disclosure alone often does not lead to better decisions, which is why many regimes add product governance and suitability requirements.<\/div><\/details><details><summary>How does this differ from financial conduct protection?<\/summary><div class=\"nx-answer\">This topic covers market conduct broadly; <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-conduct-protection\/\">Financial conduct protection<\/a> focuses on consumer protection and the independent authority of conduct regulators.<\/div><\/details><details><summary>Does the platform handle complaints against firms?<\/summary><div class=\"nx-answer\">No. Complaints go to the firm and, where applicable, to the relevant ombudsman or regulator.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Financial Regulation Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/prudential-regulation\/\">Prudential regulation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/macroprudential-policy\/\">Macroprudential policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-technology-regulation\/\">Financial technology regulation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/supervisory-data\/\">Supervisory data <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/cross-border-supervision\/\">Cross-border supervision <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-crisis-management\/\">Financial crisis management <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/\">Financial Regulation Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Regulation Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Financial%20Regulation%20Nexus%3A%20Market%20conduct%20and%20consumer%20protection\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/market-conduct-and-consumer-protection\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/market-conduct-and-consumer-protection\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a suitability rule?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A requirement that a firm recommending a product takes reasonable steps to ensure it fits the customer's needs, knowledge, financial situation and risk tolerance. 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