Criticism of Spotify after its release, citing that all music on Spotify is available to both paid and free users. Coldplay previously delayed their album "Ghost Stories" from all streaming services for four months after CD, vinyl and download release, and did the same with its earlier album "Mylo Xyloto". Beyoncé's self-titled album was not available until 24 November 2014, nearly a year after its original release. Adele's "21" was not initially available on Spotify, as Adele wanted Spotify to make her album available to paid subscribers only, but not to free users. Spotify declined her offer to avoid creating separate catalogues for
Lloyds Bank Corporate Markets separated from their colleagues and placed in a "glass box" to comply with rules. Fitch Ratings has assigned Lloyds Bank Corporate Markets and Lloyds Bank International expected Long-Term Issuer Default Ratings of 'A(EXP)'. Lloyds Bank Corporate Markets Lloyds Bank Corporate Markets is the non "ring-fenced" arm of Lloyds Banking Group. It was created in 2017, to comply with the Financial Services (Banking Reform) Act 2013. The Act implements the Independent Commission on Banking recommendation that essential banking services are separated from investment banking activities by 2019. As the Group is now primarily focussed on UK retail and commercial banking with