"The FSA needs to urgently get to grips with consumers' concerns about the security of their money. It's been over 15 months since the collapse of Northern Rock but instead of answers, the FSA has come back with yet more questions.
"Instead of stalling, the FSA needs to find a way to tackle the problems caused by temporary high balances and per-institution payouts. It is difficult to justify the instances in which consumers' deposits are not protected."