We at the Central Bank are encouraged by the relaunch of the Banking Code of Practice a few days ago, but like Mr. Stoddard, the Financial Services Ombudsman, we look forward to the principles of transparency and fairness being Page 3 of 5  applied fully in practice.
One specific example I would call to mind is the Guideline on the Mortgage Market, jointly developed between the Central Bank and BATT, to cover information disclosure and predictability in the adjustment of interest rates on loans on what for most people represents their major lifetime investment—their homes. 6.