Why do I believe FSCA is necessary? For the last few years as a consumer advocate I was involved in many cases which clearly demonstrate that some changes are needed. The compelling evidence in my possession made me believe this was going to be a “walk in the park.” However I was extremely surprised by the resistance of the regulators. In fact, I am quite impressed by the breath of their imagination when it came down to finding reasons not to view the evidence in question. This is why I had to create the Financial Services Consumer Alliance (FSCA); to provide more teeth to my advocacy for some very basic changes in the life and financial industry. So what are some of the opened files in question?