The Island's financial services regulator says the economic downturn may be tempting some operators to mis-sell their products.
The FSC's annual report promises less routine regulation in future and a sharper focus on the areas of greatest risk to consumers.
Across the board Island finance institutions performed well last year, with pre tax profits in banking, investment business and trust services all up.
More time's being spent by the FSC investigating mis selling cases.
The Commission's pledged a 'vociferous' approach to sanctioning those who break the rules.
Chief Executive John Aspden: