Grossing up is a serious abuse of the market. The Government is giving the Financial Services Authority (FSA) responsibility for regulating general insurance as from 14 January 2004. The FSA is currently consulting on its rules in CP187. The FSA considers there is more opportunity for such market abuse in the commercial rather than the retail market, and therefore does not propose to introduce commission disclosure for retail customers. But, for commercial customers, it will be requiring intermediaries to disclose commission earned by them and any affiliated intermediaries if requested to do so by a commercial customer.