Sam Rushworth, co-author of a critical report on the UK’s Financial Conduct Authority, discusses allegations of incompetence and dishonesty within the organization. He highlights testimonies from victims of financial scandals, stressing the urgent need for reform. Additionally, listeners share their struggles with rising mortgage rates and seek advice on remortgaging their homes. The episode features a charming young coin collector who showcases a rare £2 coin, exploring the sentimental value and market dynamics of unique collectibles.