In a recent decision regarding a consumer credit application, the Upper Tribunal suggested, in the postscript to its decision, that the FCA "could perhaps be more helpful when it is clear that a firm is struggling with the complexity and opaqueness of some of the regulatory provisions and give a clear steer as to what matters fall within the scope of the [FCA’s] regulation and which do not." By way of example, the tribunal considers that the FCA's perimeter guidance on consumer credit related activities is "somewhat limited" and that "[i]t is not always an answer simply to tell the firm that it can obtain legal advice." While recognising the resource constraints within which the FCA had to operate in processing a large number of applications resulting from the transfer of responsibility for consumer credit regulation, the tribunal notes that, "in the absence of face-to-face contact, the quality of information the FCA makes available to firms takes on a greater importance."