Last year we entered into enforcement settlements with 10 financial providers, resulting in a range of sanctions including the disqualification of 2 directors and fines totalling € million. Areas prioritised in 2012 include mortgage arrears, retail intermediaries, payment protection insurance and client asset requirements.
We are still not allowed to impose measures on organisations such as iDeal, for example, and there is no need for me to tell you how tolerant society is about iDeal disruptions. To ensure secure, reliable and efficient payment systems in a broad sense, DNB needs legislation covering every aspect involved in these systems.