The Basel Committee on Banking Supervision, IOSCO and the International Association of Insurance Supervisors (the Joint Forum) have published a joint report on the key differences in regulation for and supervision of banks, insurers, and issuing institutions in the G20 countries. The authors of the report also looked at financial groups, mortgages, hedge funds, and transfer of credit risk. The Joint Forum makes a number of recommendations for more effective and more consistent supervision in the various sectors.