UK officials must consider cultural factors in regulatory overhaul

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Earlier this month, George Osborne, the Chancellor of the Exchequer, announced that he was to split the UK's unified regulator, the Financial Services Authority (FSA). From its ashes, three new regulators would be created: one for consumer protection and markets, the other an economic crime agency. The third will cover prudential regulation and will become a subsidiary of the Bank of England.

Beyond the shores of Britain, there is growing consensus that central bankers should take charge of

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