Despite passionate and well-presented speeches by David Davis MP and Iain Duncan-Smith MP recently to introduce amendments to the Finance Bill that would serve to clamp down on non-compliance and malpractice in the umbrella sector the amendments did not make it to the voting stage. It was disappointing. Over recent weeks there has been a growing number of revelations on non-compliance within our industry with calls to regulate what some refer to as the ‘wild west’. But who makes up the wild west? Are they umbrella companies or are they payment intermediaries or something else masquerading as an umbrella or payment intermediary? The definition needs closer examination.