(1) Before making the complaints scheme, the regulators must publish a draft of the proposed scheme in the way appearing to them to be best calculated to bring it to the attention of the public.

(2) The draft must be accompanied by notice that representations about it may be made to any of the regulators within a specified time.

(3) Before making the proposed complaints scheme, the regulators must have regard to any representations made to any of them in accordance with subsection (2).

(4) If the regulators make the proposed complaints scheme, they must publish an account, in general terms, of -

(a) the representations made to any of them in accordance with subsection (2), and

(b) their response to the representations.

(5) If the complaints scheme differs from the draft published under subsection (1) in a way which is, in the opinion of the regulators, significant the regulators must (in addition to complying with subsection (4)) publish details of the difference.