Navigate the OFT website:

• Home
• OFT's work

  OFT's work by sector

  • Construction and property
  • Consumer credit
  • Financial and Professional Services
  • Pharmaceutical and health
  • Public Markets
  • Retail and wholesale
  • Transport

  OFT's work by tool

  • OFT current cases
  • Anti-money laundering
  • Competition Act and cartels
  • Consultations
  • Consumer Codes Approval Scheme (This scheme has now been closed)
  • Consumer protection campaigns and initiatives
  • Credit licensing
  • Consumer enforcement
  • Estate agents
  • Markets work
  • Mergers
  • Policy
  • Publications
  • Research
• News and updates

  Please choose from below

  • News and updates
  • E-services
  • Events
  • @OFTgov on Twitter
  • OFT newsletters
  • OFThinks
  • OFT YouTube channel - most recent videos
  • Press releases
  • Press statements
  • Speeches
  • What's new on oft.gov.uk
• Business advice

  Please choose from below

  • Business advice
  • Advertising
  • Competing fairly
  • Contact us
  • Distance Selling hub
  • Doorstep selling
  • Estate agents
  • Issuing contracts
  • Leniency - confess your cartel to the OFT
  • Offering credit
  • Sale of Goods Act hub
  • Selling at a distance and the Distance Selling hub
  • Treating customers fairly
• Consumer advice

  Please choose from below

  • Consumer advice
  • Consumer alerts
  • Citizens Advice consumer service
  • Know Your Consumer Rights
  • Local authority assured trader schemes
  • OFT approved codes explained - the OFTs approved codes scheme has now been closed
• About the OFT

  Please choose from below

  • About the OFT
  • Accessing OFT information
  • Accountability
  • Annual plan and report
  • Contact us
  • Frequently asked questions
  • International work
  • Legal powers
  • OFT Board
  • OFT structure
  • Partnership working
  • Skilled to go
  • 2012 staff survey
  • Supplying to the OFT
  • Transparency in the OFT's work
  • Vacancies
  • What we do
  • Working for us

• You are here:
• Home »
• Newsroom »
• Speeches »
• 2012 »
• Competition in the financial services sector »