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This report examines:
the historic context (looking back to 2003)
assurance, governance and controls within Cosmopolitan Housing Group 2003 to 2005
the merger between Chester and District Housing Trust and Cosmopolitan Housing Group
liquidity issues and financial covenant compliance 2012
HCA case handling of the crisis
The lessons learned for the sector, regulator and government are set out as recommendations at the end of this report.