13.—(1) If, having considered any representations made in response to the warning notice, a regulator decides to—
(a)publish a statement under paragraph 10 (whether or not in the terms proposed); or
(b)impose a penalty under paragraph 11 (whether or not of the amount proposed),
it must without delay give the person concerned a decision notice.
(2) In the case of a statement, the decision notice must set out the terms of the statement.
(3) In the case of a penalty, the decision notice must state the amount of the penalty.
(4) If a regulator decides to—
(a)publish a statement in respect of a person under paragraph 10; or
(b)impose a penalty on a person under paragraph 11,
the person may refer the matter to the Tribunal.
(5) After a statement under paragraph 10 is published, the regulator concerned must send a copy of it to the person concerned and to any person to whom a copy of the decision notice was given under section 393(4) of the Act(1) (third party rights) (as applied by paragraph 22).
Section 393(4) was amended by paragraph 32 of Schedule 9 to the Financial Services Act 2012.