Consumer Rights Bill

My Lords, as we know the regulators were set up at very different times and in very different ways. There is not one thing that all the regulators sign up to. They have all been established individually. This comes up again and again, and here it is again: who guards the guards? Who regulates the regulators? Last time round, the great argument was that we must be totally independent because then and only then can we serve the people we are supposed to serve well. I understand that, and I understand regulators wanting to keep their independence, because it is very important. However, the differences between the ways in which the regulators work and live keeps coming up, so I ask the Government: who is guarding the guards?