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The most visible example of principles-based regulation at present in the Retail market is of course the Treating Customers Fairly initiative . Baroness Wilcox : My Lords , does the Minister agree that this is a great initiative that is to be encouraged ? Journal articles address the market impact of nanotechnology , patent prosecution , licensing and litigation , financing strategy , legislative and regulatory initiatives , and much more . Since the launch of the Treating Customers Fairly initiative , and through our supervision of firms in the sector , we have seen many encouraging and positive examples of real progress being made . Since the launch of our Treating Customers Fairly initiative and through our supervision of firms in the financial services sector , including retail banks , we have seen many encouraging and positive examples of real progress towards firms implementing a Treating Customers Fairly programme . Dena Spilker Sher , an attorney and Equal Justice Works Fellow with Americans United , who has tracked the administration ’ s faith-based initiative was also troubled by the federal financing of the Northwest Mar­riage Institute and took the lead in pursuing the case . They acknowledge the need to examine each initiative on a case-by-case basis but stress the role of COREPER II ( Ambassadors ) in managing the process . Ultimately , we want to measure the success of our Treating Customers Fairly initiative by looking at the difference it makes to your customers . These activities range from policy and regulatory initiatives to specific financial assistance to acquire technologies and Internet connections .