Perhaps there is also a need for significant percolation of regulatory intent across the wide network of branches and offices of banks. •  The transparency in disclosures of fees/charges payable by borrowers for processing of loan etc.
This consensus is enshrined in the ECB’s and many other central banks’ institutional architecture, which is characterised by two constituent features: a clear mandate to safeguard price stability, and institutional independence in order to ensure that this mandate is effectively pursued.