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<p>The Government is committed to ensuring fair and effective competition across all
financial services markets. It has established the independent Financial Conduct Authority
(FCA) and given them the responsibility, enshrined in law, to promote effective competition
in the interest of consumers. The FCA has the power to create, supervise and enforce
any rules it thinks are needed to promote consumer protection, transparency and competition,
including with respect to the transparency of mortgage pricing.</p><p> </p>
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