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Regulatory Bodies Twin Peaks Financial Stability

Under the Twin Peaks model, what is the primary role of the Prudential Authority?

RE5 practice question with a worked answer. This is one of hundreds of FSCA RE5 questions in the RegulatoryExams question bank.

  1. a) To combat money laundering and issue related fines.
  2. b) To regulate the market conduct of all FSPs.
  3. c) To resolve consumer complaints against FSPs.
  4. d) To supervise the safety and soundness (solvency) of institutions such as banks and insurers.Correct

Why this is the answer

The Prudential Authority (housed in the SARB) is 'Peak 1' — it safeguards the financial soundness of institutions. Market conduct is the FSCA, complaints are the Ombud, and money laundering is the FIC.

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