The board of the Financial Conduct Authority (FCA) has approved final changes to new rules for appointed representatives, paving the way for the new rules to come into force from December.

The Financial Conduct Authority is to implement new rules to make authorised firms more responsible for their appointed representatives (ARs) from December.

The Financial Conduct Authority has committed to a crackdown on appointed representatives.

At last we finally know who was to blame for all the faults in the financial advisory sector over the past 20 years - it was the appointed reps all the time. Or was it?