[(1) The FCA must within 90 days after the day on which it receives a complaint under section 234C or a reference under section 234D publish a response stating how it proposes to deal with the complaint or reference, and in particular—
(a) whether it has decided to take any action, or to take no action, and
(b) if it has decided to take action, what action it proposes to take.
(2) The response must—
(a) include a copy of the complaint or reference, and
(b) state the FCA's reasons for its proposals.
(3) The Treasury may by order amend subsection (1)
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