These powers provide the Central Bank with a significant additional consumer protection vehicle in ensuring that regulated firms deal efficiently and effectively with arising consumer issues. We have seen that inadequate consumer protection was a key driver in the global financial crisis. Our ultimate aim is to instill confidence in financial services, products and regulation.
It may interest you to know that in its search for improving profitability, a large Japanese Bank introduced a  BIS Review 31/2005  1  product called “Uncollateralised Business Select Loan” aimed at small businesses in 2002. It has been stated that this business generated net margins of 2% -2.5% compared with the net corporate lending margins of 0.8%-1.1%.