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Hal Scott, Harvard Law School and Members of the US Committee on Capital Markets Regulation; David Wright, Deputy Director, European Commission

Urban Karlström, Secretary of State for Financial Market Affairs, Sweden; Arlene McCarthy, MEP, Committee on Economic and Monetary Affairs; Bruno Lévesque, Principal Administrator, Directorate for Financial and Enterprise Affairs, OECD; Mick McAteer, Director, Financial Inclusion Centre, UK, and member of FIN-USE; Noel Cramer, Director, Consumer Lending (Europe, Middle East and Africa), Citi; Eric Ducoulombier, Deputy Head of Unit (Retail issues, consumer policy and payment systems), DG Internal Market and Services, European Commission; Beat Koch, Regional Director, Customer Marketing (Germany, Austria and Switzerland), Intrum Justitia; Dirk Staudenmayer, Head of Unit (Financial services and redress), DG Health and Consumers, European Commission; Manfred Westphal, Head of Financial Services Department, Federation of German Consumer Organisations (VZBV)

Hanns Glatz, Delegate of the Board, Daimler; Peter Chase, Minister Counsellor, Economic Affairs, US Mission to the EU

Fabio Colasanti, Director General, DG INFSO, European Commission; A. Jorge Padilla, LECG; Martin Cave, Warwick Business School; Alexandre De Streel, Université de Namur

Elspeth Guild, Senior Fellow, CEPS, Professor, University of Nijmegen

Noriko Fujiwara, Research Fellow, CEPS; Sanjeev Kumar, WWF; Zofia Tucinska, Counsellor, Permanent Representation of Sweden to the EU; Richard Folland, JP Morgan

Rolf Eriksson, State Secretary, Agriculture, Sweden; Maarten Hajer, Director, Netherlands Environmental Assessment Agency; Katarina Eckerberg, Stockholm Resilience Centre; Jason Anderson, European Climate Change and Energy Policy, WWF; Maria José Gomez, Head of the Cabinet of the Secretary of State for Climate Change,

Hans van Steen, Head of Unit, Regulatory policy & Promotion of renewable energy, DG TREN, European Commission; Adel El Gammal, Secretary General, European Photovoltaic Industry Association (EPIA); Thorsten Schneiders, Head of Energy Policy, E.ON; Christian Kjaer, CEO, European Wind Energy Association (EWEA)

Paul Tucker, Deputy Governor, Financial Stability, Bank of England; Guy Quaden, Governor, National Bank of Belgium; Jaime Caruana, General Manager, Bank for International Settlements See programme for additional speakers.