I start with the changes in international accounting standards. They should be implemented from 2013 or 2014 onward, though much remains to be decided.
Unfair charges and fees on banking transactions, inadequate and often misleading information supplied to bank customers, rather than advising borrowers how to get out of a temporary setback in their businesses squeezing them to the point of bankruptcy are a few items in the long list of complaints that could bring the banks into bad disrepute.