Oral evidence transcripts

Inquiry Money Advice Service

Witnesses Joe Garner, Chair, Financial Services Practitioner Panel, Adam Philips, Chair, Financial Services Consumer Panel, Delroy Corinaldi, Director of External Affairs, Consumer Credit Counselling Services, and David Hawkes, Advice UK; Tracey Bleakley, Chief Executive, Personal Finance Education Group (pfeg), Otto Thoresen, Director General, Association of British Insurers, and Martin Lewis, moneysavingexpert.com

Inquiry Corporate governance and remuneration

Witnesses Mr John Lee, Managing Partner, FIT Remuneration Consultants, Mr David Pitt-Watson, Chair, Hermes Focus Asset Management, Mr Anthony Watson CBE, Senior Independent Director and Chair Lloyds Banking Group Remuneration Committee, and Mr Daniel Stilitz QC, High Pay Centre

Inquiry Corporate governance and remuneration

Witnesses Baroness Sarah Hogg, Chairman and Mr Peter Montagnon, Senior Advestment Advisor, Financial Reporting Council; Sir David Walker, Senior Advisor, Morgan Stanley

Inquiry Credit Rating Agencies

Witnesses Moritz Kraemer, Managing Director and Head of the Sovereign Ratings Group for Europe, Middle East and Africa, Standard & Poor's; David Riley, Managing Director, Sovereign and Supranational Ratings, Fitch Ratings and Alastair Wilson, Chief Credit Officer, Moody's

Inquiry Credit Rating Agencies

Witnesses Moritz Kraemer, Managing Director and Head of the Sovereign Ratings Group for Europe, Middle East Africa, Standards & Poor’s, David Riley, Managing Director, Sovereign and Supranational Ratings, Fitch Ratings, and Alastair Wilson, Chief Credit Officer, Moody’s

Inquiry Credit Rating Agencies

Witnesses Paul Taylor, Group Managing Director, Fitch Ratings, Frederic Drevon, Managing Director, Head of EMEA, Moody’s Investors Service, Dominic Crawley, Managing Director and Head of Financial Services Ratings, Standard and Poor’s, and Alan Re

Inquiry Credit Rating Agencies

Witnesses Malcolm Cooper, Global Tax and Treasury Director, National Grid plc, Georg Grodzki, Head of Credit Research, Legal and General Investment Management, Mark Hyde Harrison, Chairman, National Association of Pension Funds, and John Grout, Po

Inquiry Financial Regulation

Witnesses Mervyn King, Governor, Paul Tucker, Deputy Governor, Financial Stability, Andrew Bailey, Executive Director, Banking Services and Chief Cashier and Andrew Haldane, Executive Director, Financial Stability, Bank of England