Accountant and consultant Moore Stephens has warned that U.K. by the Financial Services Authority (FSA). come into force in October 2004. answers are expected to emerge over the coming months. which went before it. of customers, standards for claims handling, and complaints. regime. that they are well-prepared to meet the FSA's demands. onerous burden of regulatory compliance and risk management preparedness. conduct their business. The time to act is now.