The share of funding from MBS has declined but has been fully compensated for by an increase in the share of covered bond issuance. Note that part of this 3  For more detail, see “Recent Developments in Securitisation”, European Central Bank, February 2011. BIS central bankers’ speeches  3  shift reflects a compositional shift in the industry.
There appears to be a wide variety of practices regarding the prominence and placement of advertising and other disclosures relative to the advice and recommendations such firms provide. Overall, fintech assistants have increasingly improved the disclosures that explain to consumers how they get paid, but this is still a work in progress. The good news is that these challenges are not new.