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Either the use of CSA's, well established by 2005 when misselling was about to take off, or banning any bank from selling itself any derivative it required to 'hedge' a loan, but insisting it be provided by a rival (and I don't suggest that RBS and NatWest are different) would have nipped this in the bud. Instead, the FSA applied a commission limit (pretending insurance regulation fitted this type of product) on sales, and allowed part disclosure of risks. The same individuals are now doing the same thing at the FCA, defending their past decisions and covering up the real risks. If anyone doubts this, ask whe no-one is borrowing any more (1/2% interest rate for 7 years = no demand.