The Financial Services Authority's Product Intervention Discussion Paper DP11/01 proposed that retail financial services regulation should move away from its primary focus on point-of-sale, to an approach that actively regulates all aspects of the product life cycle, including the design, development and management of products. These proposals include introducing more prescriptive rules by turning some of the FSA’s regulatory guide on the responsibilities of providers and distributors for the fair treatment of customers into rules, and if appropriate, adding high level and more detailed rules. The FSA is also considering more interventionist options to address significant consumer detriment, and sets out some of the options. The more significant include: product pre-approval for specific products where the FSA has particular concerns; product banning where products have the potential to cause significant detriment; mandating or prohibiting product features where there may be widespread detriment; price interventions (e.g. reinstating a rule on excessive charges for investments) and price capping; and increasing the prudential requirements on providers, to reflect the risk to consumers posed by different providers.