See below for our latest policy responses:

March 2017

PDF APFA's response to CP16.42 FSCS Funding Review

February 2017

PDF APFA's response to the HMT/DWP Pensions scam consultation

PDF APFA's response to FCA's CP16.37 Implementing information prompts in the annuity market

PDF APFA's response to the FSCS Management Expenses Levy Limit 2017-18

PDF APFA's response to HMT's Public Financial Guidance Review: Consultation on a single body

January 2017

PDF APFA's response to FCA's Our Future Mission

PDF APFA's response to FCA's CP16.32 Handbook changes to reflect the introduction of the Lifetime ISA

PDF APFA's response to FCA's CP16.29 MiFID II

November 2016

PDF APFA's response to HMT on amending the definition of financial advice

PDF APFA's response to Financial Ombudsman Service complaints data publication

October 2016

PDF APFA's response to FCA's CP16.19 MiFID II implementation

PDF APFA's response to FCA's CP16.22 Pension Wise standards: Changes for secondary annuity market guidance

PDF APFA's response to HMT on introducing a Pensions Advice Allowance

September 2016

PDF APFA's response to FCA's CP16.18 Changes to the Handbook after PRIIPS

PDF APFA's response to FCA's Market Study 16.1 - Retirement Outcomes Review

June 2016

PDF APFA's response to FCA CP16.12 - Secondary annuity market: proposed rules and guidance

PDF HMT - Public Financial Guidance consultation response - June 16.pdf

PDF APFA's response FCA CP16.9 FCA regulated fees and levies 2016-17

May 2016

PDF APFA's letter to Bank of England Chief Economist, Andy Haldane

April 2016

PDF APFA's response to the MoJ's CMC's consultation

March 2016

PDF APFA's response to the FCA's Call for Input: Regulatory barriers to social investments

February 2016


PDF APFA's response to the Money Advice Service 2016/17 Business Plan

PDF APFA's response to the joint PRA and FCA paper: FSCS - Management Expenses Levy Limit 2016/17

PDF APFA's response to FCA CP16/5 on Innovative finance in ISAs

PDF APFA's response to FCA Quarterly Consultation No.11

PDF APFA's response to FOS Plan and Budget 2016/17

December 2015

PDF APFA's response to HMT consultation on Public Financial Guidance

PDF APFA's second response to HMT and FCA Call for Input: Financial Advice Market Review

PDF APFA position paper on FSCS levy funding

October 2015

PDF APFA's response to FCA CP15/30 Annex 2 - Retirement outcomes review

PDF APFA's response to HMT paper on pension transfers and early exit charges

PDF APFA's initial response to HMT and FCA Call for Input: Financial Advice Market Review

September 2015

PDF PDFAPFA's response to HMTs Strengthening the incentive to save: A consultation on pensions tax relief | September 2015

PDF APFA's response to FCA's DP 15.5: Smarter Consumer Communications | September 2015

PDF APFA's response to FCA's Call for Input: Regulatory barriers to innovation in digital and mobile solutions | September 2015

PDF APFA's response to FCA CP15.17: Capital resource requirements for PIFs | September 2015

August 2015

PDF APFA's evidence for the Work and Pensions Select Committee: Pension freedom guidance and advice | August 2015

June 2015

PDF APFA's response to the HMT/DWP consultation on creating a secondary annuity market | June 2015

May 2015

PDF APFA's response to FCA's DP15/3: Developing our approach to implementing MiFID II conduct of business and organisational requirements | May 2015

PDF APFA response to FCA CP15/14: FCA regulated fees and levies: Rates proposals 2015/16 | May 2015

PDF APFA response to DP15/2: Transaction costs disclosure - Improving transparency in workplace pensions | May 2015

PDF APFA response to CP15.12 Pension Wise recommendation policy | May 2015

April 2015

PDF APFA/AMI letter to politicians on rise of FCA fees | April 2015

PDF APFA response to FCA CP15.7 Pension Transfer Rules | April 2015

March 2015


APFA's Manifesto for Financial Advice | March 2015

PDF APFA response to Department of Health draft regulations and guidance on capped care costs | March 2015

PDF APFA response FCA CP 14/30 Improving complaints handling | March 2015

February 2015

PDF APFA position statement - the case for a 15 year longstop | February 2015

PDF APFA's response to financial services compensation scheme plan & budget 2015/16 | February 2015

PDF APFA's response to CP15/2 FSCS Management expenses levy limit 2015/16 | February 2015

PDF APFA's response to FCA CP 14 26 Regulatory fees and levies policy proposals for 2015-16 | February 2015

PDF APFA's response to FOS - Plan and Budget 2015-16 | February 2015

January 2015

PDF APFA's response to EIOPA - Guidelines on product oversight governance arrangements | January 2015

December 2014

PDF APFA's response to the European Insurance and Occupational Pensions Authority consultation on conflicts of interest in direct and intermediated sales of insurance-based investment products | December 2014

October 2014

PDF APFA's response to the MAS Financial Capability strategy | October 2014

PDF APFA's response to the FCA's CP GC14/3 Retail investment advice: Clarifying the boundaries and exploring the barriers to market development | October 2014

September 2014

PDF APFA's response to the FCA's CP 14/11 Retirement reforms and the guidance consultation | September 2014

PDF APFA's response to the FCA's call for input: Project Innovate | September 2014

PDF APFA's response to the review of the Money Advice Service: Call for evidence | September 2014

August 2014

PDF APFA's response to FCA DP14/1 recovering the costs of administering the regulatory gateway | August 2014

PDF APFA's response to Department of Health consultation on the Care Act | August 2014

July 2014

PDF APFA's response to European Securities Markets Authority consultation on MiFID II | July 2014

PDF APFA's response to FCA consultation on its retirement income market study | July 2014

PDF APFA's response to Money Advice Service proposal for a retirement adviser directory | July 2014

June 2014

PDF APFA's response to the HMT consultation Freedom and Choice in Pensions | June 2014

PDF APFA's response to FCA CP14/5 Regulatory Reporting | June 2014

PDF APFA's response to BIS consultation on implementing Alternative Dispute Resolution Directive | June 2014

May 2014

PDF APFA's response to CP14/6 FCA regulated fees and levies: Rates proposals 2014/15 | May 2014

April 2014

PDF APFA's response to Department for BIS consultation on small business appeals champions and non-economic regulators | April 2014

PDF APFA's response to FCA CP 14/5 Regulatory reporting | April 2014

March 2014

PDF APFA's response to FCA's retirement income market study | March 2014

February 2014

PDF APFA's response to CP14/1 FSCS Management expenses levy limit 2014/15 | February 2014

PDF APFA's response to FOS Plan & Budget 2014/15 | February 2014

PDF APFA's response to MAS Business Plan 2014/15 | February 2014

January 2014

PDF APFA's response to HM Treasury - Call for evidence | Single market in financial services | January 2014

PDF APFA's response to the Ministry of Justice Consultation Claims Management Regulation proposals to amend the conduct of authorised persons rules: The financial services perspective | January 2014

PDF APFA's response to FCA CP13.14 Regulatory fees and levies: Policy proposals for 2014/15 | January 2014

December 2013

PDF APFA's response to FCA's cash savings market study | December 2013

PDF APFA's response to FCA's CP13/10 - Detailed proposals for the FCA regime for consumer credit | December 2013

November 2013

PDF APFA's response to DWP on better workplace pensions | November 2013

October 2013

PDF APFA's response to Department of Health's consultation on Caring for the Future | October 2013

PDF APFA's response to CP13.4 Referrals to Discretionary Investment Managers and adviser complaint reporting | October 2013

September 2013

PDF APFA's response to FCA's approach to advancing its Objectives | September 2013

PDF APFA's response to the Joint Committee on the draft Deregulation Bill: Call for written evidence | September 2013

July 2013

PDF APFA's letter to the FCA on its fee structure for the future | July 2013

PDF APFA's response to FSCS consultation on calculating compensation costs | July 2013

June 2013

PDF APFA's letter to the FCA on its fee structure for the future | July 2013

PDF APFA's response to FSCS consultation on calculating compensation costs | July 2013

PDF APFA's response to FSA CP13.8 Publishing information about enforcement warning notices | June 2013

PDF APFA's response to FCA 13.1 Regulated Fees and Levies: Rates proposals 2013/14 | June 2013

May 2013

PDF APFA's response to FCA CP13/7 High-level proposals for an FCA regime for consumer credit | May 2013

PDF APFA's response to how the FCA will investigate and report on regulatory failure | May 2013

April 2013

PDF APFA's response to FSA DP13.1 Transparency | April 2013

PDF Chris Grayling's response to Lord Deben's CMCs letter | April 2013

PDF APFA's response to BIS consultation: Duty to have regard to growth | April 2013

February 2013

PDF APFA's response to FSA CP13.2 MAS cost allocation | February 2013

PDF APFA's response to FSA CP13.4 FSCS management expenses levy limit 2013-14 | February 2013

PDF APFA's response to CP13.1 FSCS funding model review: Further consultation | February 2013

PDF APFA's response to FOS Plan and Budget 2013-14 | February 2013

PDF APFA's response to MAS Business Plan 2013/14 | February 2013

PDF APFA's response to FSA CP12.35 Temporary product intervention | February 2013

January 2013

PDF APFA's response to FSA CP12.37 Financial Services Bill - Market powers, decision making procedures and penalties policy | January 2013

PDF APFA's response to FSA CP 12/28 Regulatory fees and levies: policy proposals for 2013/14 | January 2013

December 2012

PDF APFA response to FSA consultation Journey to the FCA | December 2012

PDF APFA response to FSA CP 12/24 Regulatory Reform: PRA and FCA regimes relating to aspects of authorisation and supervision | December 2012

October 2012

PDF AIFA response to FSA CP12/16: FSCS funding model review | October 2012

PDF AIFA response to Ministry of Justice consultation paper 'Claims Management Regulation: Amendments to the Conduct of Authorised Persons Rules' | October 2012

September 2012

PDF AIFA response to FSA CP12/12: Payments to platform service providers and cash rebates from providers to consumers | September 2012

August 2012

PDF AIFA response to FSA CP12/9: Consumer redress scheme for unsuitable advice to invest in Arch cru funds | August 2012

June 2012

PDF AIFA response to FSCS Compensation Sourcebook | June 2012

April 2012

PDF Financial Services Bill - Report Stage Briefing | April 2012

PDF AIFA response to FSA CP12/3: Regulated fees and levies | April 2012

PDF FOS - Alternative approach to funding the ombudsman service | April 2012

March 2012

PDF AIFA letter to George Osborne on pension tax relief | March 2012

February 2012

PDF AIFA response to Financial Services Bill | February 2012

January 2012

PDF AIFA response to Financial Services Bill | January 2012