The Financial Services Consumer Panel (FSCP) has published a report entitled "Regulation of Retail Banking Conduct of Business: A review of the first year of the new regulatory framework". The report sets out the FSCP's view on: the treatment of unauthorised transactions; application of the right of set-off; and interest rate change notification. The review also includes information on: the use of industry guidance; the split of regulatory responsibility between the FSA and the Office of Fair Trading; and complaints handling by banks.