Recent disclosure of the Governance Committees meeting papers of the Financial Cunduct Autority (FCA) under the Freedom of Information Act has led to speculation about the reason that the FCA did not publish the full Skilled Person's Report following the independent review of Royal Bank of Scotland's (RBS) treatment of small and medium-sized enterprise (SME) customers transferred to its Global Restructuring Group (GRG). It has been suggested that FCA chose not to publish the report because they were afraid of legal action being taken against them.