UK markets 監視者 ready to pounce as new 消費者 力／強力にする comes into 軍隊
By Huw Jones
LONDON, July 31 (Reuters) - Britain's markets 監視者 is ready from Monday to jump on any 会社／堅い failing to 固執する to a new 義務 to 正当化する 告発（する），告訴（する）／料金s to 顧客s in one of the regulator's biggest 改革（する）s in １０年間s.
会社／堅いs 規制するd by the 財政上の 行為／行う 当局 have been 要求するd to 従う with a general 原則 of 扱う／治療するing 顧客s 公正に／かなり, but the 機関 failed to 停止（させる） a number of mis-selling スキャンダルs.
The new 義務 is 特に 重要な for 存在 more granular, 要求するing "good 結果s" and no "forseeable 害（を与える）" for 顧客s across 製品s and services, price and value. The 義務 含むs an understanding of what's 存在 sold, and after-sales support.
"We have been 跡をつけるing those who are not ready or may not be ready and we will therefore be 均衡を保った to take 活動／戦闘 and を取り引きする 会社／堅いs who are not compliant and 原因（となる）ing 害（を与える） to 消費者s," Nisha Arora, a director for 消費者s and 競争 at the FCA, told Reuters.
"Where we see 料金s or 告発（する），告訴（する）／料金s based on nothing, or 製品s that have no value to them, or 過度の 料金s... those are the things that will attract our attention," Arora said, 追加するing that 会社／堅いs could be asked to adjust prices or change the 製品.
The 義務 will help the FCA 取り組む 害（を与える）s pre-emptively to stop a mis-selling スキャンダル in the first place, she 追加するd.
"What we are asking for is not unattainable," she said.
会社／堅いs will have to 論証する to the FCA how they are 供給するing good 結果s, a step the 監視者 hopes will 改善する on the low 信用 in 財政上の services.
"It essentially moves the 重荷（を負わせる） of proof from the regulator to 証明する detriment, to the 会社／堅い to say you must be able to evidenc e good 顧客 結果s," said Philip Deeks, 長，率いる of KPMG's regulatory insight centre.
The 義務 is already having an 衝撃. Wealth 経営者／支配人 St James's Place said last week that に引き続いて a review ahead of the 支配する, it was changing its 料金 structure, denting 逮捕する income by 12 million 続けざまに猛撃するs in the second half of the year.
END OF THE BEGINNING
The new 支配する will be a major step for most 会社／堅いs in practice, said Jonathan Herbst, 全世界の 長，率いる of 財政上の services 規則 at Norton Rose Fulbright 法律 会社／堅い.
"Even so, everyone recognises that this is really only the end of the beginning, and there is かなりの 不確定 about how it will be 解釈する／通訳するd and 施行するd by the FCA," Herbst said.
The FCA, which 規制するs 50,000 会社／堅いs, 見積（る）s it will cost a one-off 2.4 billion 続けざまに猛撃するs ($3.1 billion) for 会社／堅いs to 器具／実施する the 義務, and is spending 5.3 million 続けざまに猛撃するs on "embedding" it.
It says it will help 確実にする that banks pass on higher 利益／興味 率s to savers, and 供給する help to those struggling to 支払う／賃金 a mortgage.
KPMG's Deeks said the next step will be 戦略の revaluations by companies that could question their ability to show 同意／服従, 潜在的に to the point of some leaving the market.
Deeks said: "We will probably see some 製品 simplification and some 製品 rationalisation 同様に, but on the upside it should also create 革新, with new needs identified by stepping closer to 顧客s." ($1 = 0.7770 続けざまに猛撃するs) (報告（する）／憶測ing by Huw Jones; Editing by Conor Humphries)
