Evaluate the UK implementation of the ‘twin peaks’ model of regulation, and how it differs from the single regulator model in place prior to the 2007/08 financial crisis?

Assessment Instructions
Individual Essay
You must answer ONE of the following Questions
Either
A) Evaluate the UK implementation of the ‘twin peaks’ model of regulation, and how it differs from the single regulator model in place prior to the 2007/08 financial crisis?
or
B) Write a report regarding the redress mechanisms available to consumers who suffer harm at the hands of financial institutions. Your report should:
i. analyse the mechanisms available with reference to the appropriate law, regulations, case law and case studies; and
ii. detail any appropriate reforms.

Referencing and Assessment Offences

Please ensure you reference all sources used when developing your assessment, using the Harvard/OSCOLA system. If you are a Joint Awards student, you have the option of using Harvard. If you do so, please make this clear on the cover page of your submission (Referencing style used: Harvard). Students should also be aware that as Harvard is an ‘in-text’ system, their references form part of the overall word count for the piece. Failure to properly reference your work to original source material can be grounds for the assessment offence of plagiarism and may result in failure of the assessment or more serious implications. Assessment Offences Policy outlines potential offences and it is your responsibility to understand this policy and avoid potential offences. Details of what constitutes plagiarism and how to avoid it can be found on UWE’s Study Skills pages about avoiding plagiarism. Text-matching software (e.g. SafeAssign) is used to check every submission against other submissions made at the same time, previous submissions to the universities, and internet sources. We may also manually search for matches. When submitting your work, you will be required to confirm that the work is your own. It is an assessment offence to: – copy work from any source, including your own previous assessments, and present it as your own work for this assessment, or to provide your own work to others – to work with others on the assessment in any way, or for anyone to make amends on your work (including proofreaders, who may highlight issues but not edit the work) – change individual words but keep, essentially, the same sentences and/or structures from other sources: this will be detected by text-matching software. Please write in your own words and style to convey your own learning.