Information about your dealings with Stonewall [Extraneous material removed]

Linda Glenn made this Freedom of Information request to The Financial Conduct Authority

Automatic anti-spam measures are in place for this older request. Please let us know if a further response is expected or if you are having trouble responding.

Response to this request is long overdue. By law, under all circumstances, The Financial Conduct Authority should have responded by now (details). You can complain by requesting an internal review.

Dear The Financial Conduct Authority,

This is a request under the Freedom of Information Act 2000 (FOIA). Please provide any information that you hold answering to any of the following descriptions:

1. Any application you made in 2019 or 2020 to be a "Stonewall Diversity Champion" or to be included on Stonewall's "Workplace Equality Index," including any attachments or appendices to those applications. Please redact personal details if necessary.

2. Any feedback you received in 2019 or 2020 from Stonewall in relation to either application or programme.

3. Any other communication you have received from Stonewall in 2019 or 2020 unless privileged or otherwise exempt from disclosure (but if you claim privilege or exemption in relation to any material, please say in broad terms what the material is and the basis on which you claim to be entitled to withhold it).

4. Full details of any equality impact assessment you carried out connected with any of these applications (including any equality impact assessment carried out prior to an earlier application of the same kind, if no further assessment was done).

5. Details of the total amount of money you paid to Stonewall (i) in 2019; (ii) in 2020, whether or not as payment for goods or services.

6. Whether you intend to continue your membership of any Stonewall scheme in the future, and if so which.

Yours faithfully,

Linda Glenn

Freedom of Information, The Financial Conduct Authority

Thank you for e-mailing the Financial Conduct Authority's Information
Disclosure Team.

This is an automatic acknowledgement to tell you that we have received
your email safely.

Please do not reply to this email.

We will be in touch in due course.

This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

Freedom of Information, The Financial Conduct Authority

1 Attachment

Our ref: FOI8015

 

 

Dear Ms Glenn

 

Freedom of Information: Right to know request

 

We refer to your below request for information submitted under the Freedom
of Information Act 2000.

 

We are sorry to inform you that we are still processing your request for
information and therefore will not be in a position to answer it by
today’s deadline.

 

We will endeavour to respond by 31 March 2021, though should we be in a
position to respond sooner, we will do so.

 

In the meantime, we thank you for your understanding and patience.

 

Yours sincerely

 

 

Information Disclosure Team

[1]cid:image001.png@01D5F6F8.E90FD970

 

 

 

show quoted sections

To the Information Disclosure Team
I refer to your letter of 4 March in response to my request made under the FOIA of 4 February regarding the Financial Conduct Authority’s dealings with Stonewall. I have not received any correspondence from you since 4 March 2021 and your response is therefore long overdue. Given the FCA’s involvement in an ongoing discussion (DP21/2) and consultation (CP21/24) on Diversity and Inclusion, it is particularly relevant for the public to understand the extent of the FCA’s dealings with Stonewall. In view of the time that has elapsed since my original request and the imminent deadline for responses to the discussion paper and consultation paper mentioned above, I should be grateful for a response to my request by no later than 24 September.

Given the urgency of this matter, if I have not heard from you by the date specified above, I shall refer the matter to the Information Commissioner’s Office.

I look forward to hearing from you further.

Yours sincerely,

Linda Glenn

Freedom of Information, The Financial Conduct Authority

Thank you for e-mailing the Financial Conduct Authority's Information
Disclosure Team.

This is an automatic acknowledgement to tell you that we have received
your email safely.

Please do not reply to this email.

We will be in touch in due course.

This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

Freedom of Information, The Financial Conduct Authority

3 Attachments

Our ref:         FOI8015

 

Dear Ms Glenn

 

Thank you for your email. We are sorry to inform you again that we are
still processing your request for information and therefore are still not
be in a position to answer it. This is due to a combination of factors,
including our experiencing a very high volume of requests during this
period, resulting in balancing competing priorities and timelines of a
very full caseload together with a period of reduced staffing.

 

Please accept our apologies for not keeping you fully updated and we will
endeavour to complete work on your request and send you a response by 8
October 2021.

 

In the meantime, we thank you for your understanding and patience.

 

Yours sincerely

 

Information Disclosure Team / Cyber and Information Resilience Department
/ Operations

[1]Description: cid:image001.png@01D2A7C9.64DDD390

12 Endeavour Square

London

E20 1JN

 

[2]www.fca.org.uk

 

Follow us:

 

[3]Description: https://g.twimg.com/Twitter_logo_blue.pn...
image003

 

 

 

 

show quoted sections

Freedom of Information, The Financial Conduct Authority

3 Attachments

Our ref:         FOI8015

 

Dear Ms Glenn

 

Further to our email of 23 September 2021, we are sorry to inform you
again that we are still processing your request for information and
therefore are still not be in a position to answer it. This remains to be
due to a combination of factors, including our experiencing a very high
volume of requests during this period, resulting in balancing competing
priorities and timelines of a very full caseload together with a period of
reduced staffing.

 

Please accept our apologies for not keeping you fully updated and we will
endeavour to complete work on your request and send you a response by 22
October 2021.

 

In the meantime, we thank you for your understanding and patience.

 

Yours sincerely

 

Information Disclosure Team / Cyber and Information Resilience Department
/ Operations

[1]Description: cid:image001.png@01D2A7C9.64DDD390

12 Endeavour Square

London

E20 1JN

 

[2]www.fca.org.uk

 

Follow us:

 

[3]Description: https://g.twimg.com/Twitter_logo_blue.pn...
image003

 

 

This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
2. http://www.fca.org.uk/
3. https://twitter.com/TheFCA
4. https://www.linkedin.com/company/financi...

Dear The Financial Conduct Authority,

Please pass this on to the person who conducts Freedom of Information reviews.

I am writing to request an internal review of The Financial Conduct Authority's handling of my FOI request 'Information about your dealings with Stonewall [Extraneous material removed]'.

As will be evident from the published correspondence, I made a request of the Financial Conduct Authority under the Freedom of Information Act on 4 February 2021. On 4 March 2021 (the deadline for a response), the FCA advised that they would not be able to meet the deadline and said that they would endeavour to provide the information requested by 31 March 2021. I did not hear further from them until, prompted by the fact that the FCA has published/co-published a discussion paper and a consultation paper on diversity and inclusion, I followed up on 16 September. I received a further email stating that the FCA would endeavour to reply by 8 October 2021 and, on 8 October, received a further holding email giving a new target date of 22 October.

A full history of my FOI request and all correspondence is available on the Internet at this address: https://www.whatdotheyknow.com/request/i...

I believe that the information I have requested may include information relevant to the discussion paper and consultation paper and therefore there is a particular urgency in this case. Given the delay of over seven months since my initial request, and the latest failure to meet the deadline they have set themselves, I have no confidence that the FCA will respond to my request by 22 October. In any event, 22 October is after the deadline for responding to both the discussion paper and the consultation paper.

The FCA has not indicated that it has any reason not to respond to my original request. Accordingly, provision of the requested information as soon as possible and before the closure of the consultation (CP 21/24 closes 20 October) would resolve my complaint. Any further delay, including raising any objection to providing the requested information (given they have had over seven months to provide such an objection) would deprive me (and the public) of information that may be relevant to a current FCA consultation.

Yours faithfully,

Linda Glenn

Freedom of Information, The Financial Conduct Authority

Thank you for e-mailing the Financial Conduct Authority's Information
Disclosure Team.

This is an automatic acknowledgement to tell you that we have received
your email safely.

Please do not reply to this email.

We will be in touch in due course.

This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

Freedom of Information, The Financial Conduct Authority

3 Attachments

Our ref:         FOI8015

 

Dear Ms Glenn

 

Thank you for your email.

 

We are conscious that in our email of 8 October 2021 we informed you we
expected to be able to respond to your request by 22 October 202.
Unfortunately, we have still not been able to complete our work on your
request, and we are therefore still not in a position to respond to you.

 

As mentioned previously, this delay is due to a combination of factors,
including our experiencing a very high volume of requests during this
period, resulting in balancing competing priorities and timelines of a
very full caseload, together with a period of reduced staffing. In
addition, due to the nature of your request, we are also currently
reviewing a substantial amount of information to determine what (if
anything) we are able to disclose to you.

 

We sincerely apologise for this further delay and we would like to assure
you that we are committed to resolving your request as soon as possible.
We now expect to be able to respond to your request by 29 October 2021.

 

Whilst we expect you will be disappointed that we are still not in a
position to respond, we would like to ask you to allow us the time to
fully consider your request under FOIA. Once you have received our
response, if you are still unhappy with the decision made in relation to
your request, you will then have the right to request an internal review. 

 

Furthermore, if you are not content with the outcome of the internal
review, you will also have a right of appeal to the Information
Commissioner.

 

In the meantime, we thank you for your continued understanding and
patience.

 

Yours Sincerely

 

Information Disclosure Team / Cyber and Information Resilience Department
/ Operations

[1]Description: cid:image001.png@01D2A7C9.64DDD390

12 Endeavour Square

London

E20 1JN

 

[2]www.fca.org.uk

 

Follow us:

 

[3]Description: https://g.twimg.com/Twitter_logo_blue.pn...
image003

 

 

show quoted sections

Freedom of Information, The Financial Conduct Authority

3 Attachments

Our ref:        FOI8015

 

Dear Ms Glenn

 

Freedom of Information: Right to know request

 

Thank you for your email of 4 February 2021, in which you asked for
information in relation to the Financial Conduct Authority’s (FCA) dealing
with Stonewall. Please see Annex A for full details of your request.

 

Please accept our sincere apologies for the delay in responding to you. We
have processed your email in line with the provisions of the Freedom of
Information Act 2000 (FOIA) and we will respond to each question below.

 

Our decision on your request

 

Question 1

 

The FCA applied for membership of the Stonewall Diversity Champions in
both 2019 and 2020 but, since the application was made via an online
portal, we do not hold a copy of the application made.

 

In 2019 the FCA also made a submission to be included on Stonewall’s
Workplace Equality Index 2020. However, we are unable to disclose this
submission to you as the following exemptions apply:

 

o Section 40 (personal information)
o Section 41 (information provided in confidence)
o Section 43 (commercial interests)

 

Please see Annex B for detailed reasons as to why these exemptions apply.

 

No application was made in 2020 as the Stonewall Workplace Equality Index
2021 did not take place due to the Covid 19 Pandemic.

 

Question 2

 

We hold a record of feedback received from Stonewall to our submission in
2019 for the Stonewall Workplace Equality Index 2020. However, we are
exempted from disclosing it under section 41 (information provided in
confidence) and s43 (commercial interests) of FOIA.

 

This is because we are of the view that disclosing this information would
be a breach of confidence and would prejudice the commercial interests of
Stonewall. For more information on why we are applying these exemptions
please see Annex B.

 

Question 3

 

We have taken this question to be asking for any other official
correspondence received from Stonewall. The FCA holds a number of
communications from Stonewall which were received as part of the FCA’s
membership with Stonewall. For the same reasons set out in our response to
question 2, this information is exempt under section 41 (information
provided in confidence), since it was provided to the FCA as part of its
paid membership and its disclosure to the public would constitute as a
breach of confidence.

 

Further, we are of the view this information is also exempt under section
43 (commercial interests) FOIA, as disclosure of these communications
would likely have an adverse effect on the commercial interests of the
third party.

 

Again, please refer to Annex B for detailed reasons as to why these
exemptions apply.

 

Question 4

 

No Equality Impact Assessment was completed during the relevant period,
since no policies were updated as a result of our submission to the 2020
WEI in 2019.

 

Question 5

 

We paid Stonewall £6,000 in 2019 and 2020 for Stonewall Diversity
Champions membership fees charged. We also paid £370.80 for staff to
attend a Stonewall workplace conference.

 

Question 6

 

We currently have Stonewall Diversity Champions membership and this
membership runs to 31 October 2022. We review all our corporate
memberships each year and would consider whether to renew this membership
much closer to the time of renewal.

 

Your right to complain under FOIA

 

If you are unhappy with this response, you have the right to request an
internal review.  To do so, please contact us within 40 working days of
the date of this response at [1][email address].

 

If you are not content with the outcome of the internal review, you also
have a right of appeal to the Information Commissioner by phone or on
their website at:

 

Telephone: 0303 123 1113

Website: [2]www.ico.org.uk

 

Yours sincerely

 

 

Information Disclosure Team / Cyber and Information Resilience Department
/ Operations

[3]Description: cid:image001.png@01D2A7C9.64DDD390

12 Endeavour Square

London

E20 1JN

 

[4]www.fca.org.uk

 

Follow us:

 

[5]Description: https://g.twimg.com/Twitter_logo_blue.pn...
image003

 

 

Annex A

 

Request received on 4 February 2021

 

1. Any application you made in 2019 or 2020 to be a "Stonewall Diversity
Champion" or to be included on Stonewall's "Workplace Equality Index,"
including any attachments or appendices to those applications. Please
redact personal details if necessary.

 

2. Any feedback you received in 2019 or 2020 from Stonewall in relation to
either application or programme.

 

3. Any other communication you have received from Stonewall in 2019 or
2020 unless privileged or otherwise exempt from disclosure (but if you
claim privilege or exemption in relation to any material, please say in
broad terms what the material is and the basis on which you claim to be
entitled to withhold it).

 

4. Full details of any equality impact assessment you carried out
connected with any of these applications (including any equality impact
assessment carried out prior to an earlier application of the same kind,
if no further assessment was done).

 

5. Details of the total amount of money you paid to Stonewall (i) in 2019;
(ii) in 2020, whether or not as payment for goods or services.

 

6. Whether you intend to continue your membership of any Stonewall scheme
in the future, and if so which.

 

 

Annex B

 

o Section 40 (personal information)

 

To the extent that the information that we hold contains personal data
about individuals, section 40(2)(b) of the Act provides that "[a]ny
information to which a request for information relates is also exempt
information if the first, second or third condition listed below is
satisfied."

We have applied this exemption because the first condition (as stated in
section 40(3A) of FOIA) is satisfied. Some of the information you have
requested comprises the personal data of individuals other than yourself
which, if disclosed, would contravene any of the data protection
principles.

 

In particular, it would be a breach of the first data protection Principle
as set out in Article 5.1(a) of the UK GDPR, to disclose such information,
as it would not be lawful or fair to do so.

 

This is an “absolute” exemption, and so it is not necessary to balance the
public interest for and against disclosing the information.

 

 

o Section 41: (Information provided in confidence)

 

FOIA states that information is exempt information if:

 

a) the public authority obtained it from any other person, including
another public authority, and

 

b) if disclosing the information to the public (other than under FOIA)
would be a breach of confidence actionable by that or any other person.

 

Having spoken to Stonewall in order to find out their thoughts about
disclosing the feedback

you’ve requested – they have explained that it was provided to us in
confidence on the understanding that it would not be shared with any other
party or used for any other purpose. I’ve taken into account that
Stonewall has provided the information under a duty of confidence solely
for the purpose of providing us with feedback and that they wouldn’t
expect this to be shared with the world at large – which is what a
disclosure under the Act is deemed to be. We are satisfied that releasing
the information into the public domain would be likely to constitute an
actionable breach of confidence.

 

In many requests for information under FOIA we have to judge different
factors to decide whether disclosing the requested information would be in
the public interest or not. For this request, we have an ‘absolute’
exemption against supplying the information, and so we do not need to make
this kind of judgement.

 

 

o Section 43 (Commercial Interests)

 

This section of FOIA states that we are exempt from providing this
information if disclosing it would, or would be likely to, prejudice the
commercial interests of any person, including the public authority that
holds the information.

 

As this exemption is subject to the public interest test, we have
considered relevant factors in favour, and against, disclosing information
as required by FOIA.

 

For disclosure:

 

·         Providing the information may help the public gain a better
understanding of our commitment to equality, diversity and inclusion

 

·         Releasing the information would be in the interests of openness
and transparency.

 

Against disclosure:

 

·         Disclosure of the information would involve providing feedback
and correspondence received from Stonewall which were provided as part of
the membership benefits and against a fee that organisations pay to
Stonewall. Disclosing correspondence received from Stonewall would or
would be likely to have an impact on the commercial interest of that third
party.

 

·         Disclosure of the advice and correspondence received from
Stonewall would, or would be likely to have an impact on Stonewall’s
ability to participate competitively given increasingly competitive nature
of the sector.

 

On this occasion, and for these reasons, we have concluded that the
balance of the public interest is in favour of not disclosing the
information.

 

This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
1. file:///C:/Users/sali3/AppData/Roaming/OTLocal/PRODRM/Workbin/3E7676D.0/[email address]
2. http://www.ico.org.uk/
4. http://www.fca.org.uk/
5. https://twitter.com/TheFCA
6. https://www.linkedin.com/company/financi...