Am I being a little cynical here?  Whilst I agree that commercial finance should come under the scope of the Financial Conduct Authority (and didn't realise it wasn't already), surely business owners and directors have to do is ask for the details and then they will be able to compare deals.  They may not be able to compare apples with apples (how often is that really possible in small business?), but they will be able to make an informed decision based on the information available.  Am I being cynical?