The BSP has issued sets of regulations on consumer protection for its supervised institutions. More specific guidance appear in the in the sales and marketing guidelines for financial products as well as the Basic Standards in the Administration of Trust, Other Fiduciary and Investment Management Accounts.
Factors typically viewed as important include demographic change, an increase in inequality and the slowdown in productivity growth. These demonstrate that the secular drivers of r* are inherently structural, which is why a major reversal in just a few years seems unlikely.