In recent years, a number of markets have launched initiatives to improve access to financial advice, through both greater transparency and attempts to address mis-selling. These initiatives have included improvements in the clarity required of financial advisers in reporting fees and conflicts of interest, or in some cases, limits or bans on inducements.

This report explores the issue of inducements on a global level, the efforts of policy makers and regulators to address the issue of inducements, and the effectiveness of each approach. The report examines the status quo of certain markets by considering existing regulation, regulatory steps already taken, and the impact of regulation thus far.