Ms Derville Rowland:

There are times when we do not get the documents we require. This may happen because the files are not available or cannot be found. If we have concerns that there was deliberate obstruction or obfuscation of documents in a malicious way, we take that very seriously. Such action would be obstructing the regulator in the execution of its duty. This is one of the actions we would reserve for criminal prosecution. It would be so serious it would need the opprobrium of the full regulatory system to come down on top of it. That would not be acceptable. We are not in that space at the moment. For example, the enforcement team is very structured in its approach. It takes a robust approach to document acquisition. If those issues arose, the team would be very adept and adroit at dealing with them, but that has not arisen.