Financial services – Financial Conduct Authority. Pursuant to its power under r 5(5) of the Tribunal Procedure (Upper Tribunal) Rules 2008, SI 2008/2698, the Upper Tribunal (Tax and Chancery Chamber)(the tribunal) was not obliged to grant the suspension of a decision in respect of which a reference had been made if it was satisfied that to do so would not prejudice the interests of consumers. It was necessary for the tribunal to carry out a balancing exercise in light of all relevant factors and decide whether in all the circumstances it was in the interests of justice to grant the application. Consequently, the tribunal dismissed the applicant company's application to suspend the variation by the Financial Conduct Authority of the permission it had granted to the applicant in relation to its right to exercise lender's rights and duties under regulated credit agreements.