Due to legal confidentiality requirements there has been a well highlighted difficulty in the full exchange of information between regulators. The McDowell group felt strongly that separating the consumer issues from the prudential regulator had two important disadvantages: first, it left unresolved the legal problem of passing relevant information from the regulatory authority to the Director of Consumer Affairs, and second, the advantages of a one-stop-shop would be lost in that there would be two official bodies dealing with different aspects of financial services regulation. The McDowell group concluded that, given the requirement imposed by the relevant EU law in relation to disclosure between regulators, the best method of providing for the maximum flow of information between prudential regulators and those concerned with consumer protection was to combine both functions within one authority. The Government considered this issue at some length and decided that this restriction in the exchange of information was unacceptable and because of this it decided to implement the structure before the House.