	 	clarifying	the	relationship	and	 governance	of	third	party	introducers,	 removing	volume-based	incentives,	 changing	commission	structures	so	 as	not	to	directly	link	to	loan	size,	 implementing	clearer	disclosures	of	 ownership	structures	and	greater	 governance	with	regards	to	‘soft	dollar’	 benefits	(benefits	other	than	a	basic	cash	 commission	or	a	direct	fee).