The checks on non-bank intermediaries and their distribution channels are more severe today, and the requirements for entry in the register referred to in the Consolidated Law on Banking are stricter. We have intervened in the situations where the anomalies were most notable: loans secured by pledge of salary, revolving credit cards, the issue of guarantees, foreign exchange dealing and money transfers abroad.
We have stepped up cooperation with the Finance Police, especially in the sectors most involved in criminal investigations. Additional safeguards for consumer protection are now being discussed. We have worked with the Government on the transposition of the European directive on consumer credit.