CORPORATE GOVERNANCE be passed by Parliament. These include, for example, the Insolvency Act, consumer's legislation, Anti-Money Laundering legislation, and the Freedom of Information and Whistle Blower's Bills. Regulating agencies 24. The established regulating agencies include: the Bank of Ghana, National Insurance Commission (NIC), Registrar General's Department (RGD), Securities and Exchange Commission (SEC), Ghana Stock Exchange (GSE), Ghana Investment Promotion Centre (GIPC), Internal Revenue Service (IRS), the State Enterprises Commission, Ghana Immigration Services, Environmental Protection Agency (EPA), Ghana Standards Board and Ghana Tourism Board. Most of the regulatory and enforcement agencies need strengthening in capacity and institutional terms to be able to execute their mandate effectively. Key professional associations 25. There are a number of trade and business associations and professional bodies in Ghana. The business associations include: the Association of Ghana Industries, Ghana Chamber of Mines, Federation of the Association of Ghana Exporters, Association of Small Scale Industries, Licensed Cocoa Buyers Association, among others. 26. Professional bodies include: the Institute of Chartered Accountants of Ghana, Institute of Bankers, Chartered Institute of Marketing, Institute of Public Relations of Ghana, Ghana Institute of Management, the Bar Association of Ghana, Ghana Medical Association and professional bodies for registered nurses, engineers, architects, teachers, and the like. There is also the Association of Certified Entrepreneurs, the Pharmaceutical Society of Ghana, the Ghana Institute of Surveyors, the African Capital Markets Forum, and the Institute of Economic Affairs. The Employers' Association of Ghana is the umbrella body of employer organisations in Ghana and represents employers' interests in collective bargaining with the Trade Union Congress. Every year it contributes to national discussions on policy through the tripartite committee (Employers' Association, Trade Union Congress and the government). There is no consumer rights organisation. 91