Over two years after issuers in the US market began including the estimated value disclosures, the US Securities & Exchange Commission (SEC) has seen greater numbers of increasingly complex notes being sold, according to Amy M. Starr, chief, office of capital market trends at the US securities watchdog. In a speech posted in the SEC website ( Structured Products – Complexity and Disclosure – Do Retail Investors Really Understand What They Are Buying and What the Risks Are? ), Starr used SRP