UK Finance responded to the call for evidence from the Ring-fencing and Proprietary Trading Independent Review. In our submission, we set out the views of our members on the key themes to inform the review. The views here are wide-ranging and in some instances we have presented information from differing perspectives, reflecting the broad spectrum of UK Finance members who have contributed to the industry response. In the submission, we state that it is imperative the panel consider whether the benefits to financial stability still hold given the full post-crisis framework that is now in place and in light of the potential long-term implications for customers and the economy post-Brexit.