Across a growing number of financial scandals and consumer disputes, serious concerns are raised, investigated, debated, and formally concluded — yet the underlying issues often remain unresolved, sometimes for many years.

 

This session will examine whether the problem is no longer simply one of misconduct or regulatory failure, but of the wider architecture of accountability itself.

 

Drawing on the developing “Fixing the Inequality Engine” framework, the presentation will explore how unresolved harm can become structurally embedded through fragmented responsibility, procedural non-determination, parallel systems of justice, and institutional reliance upon process rather than substantive resolution.

 

The discussion will examine how complaints move through firms, regulators, redress schemes, courts, and Parliament, and why no single institution may ultimately accept responsibility for determining the core issue in dispute.

 

The presentation will argue that the recurring failure to achieve substantive resolution across multiple financial scandals increasingly raises constitutional questions concerning democratic accountability, consumer protection, access to justice, and the proper role of Parliament in remedying systemic structural failure.

 

The session will feature three speakers: