Therefore, as soon as we see a risk, as soon as we see tension, we will take action. We will take action to prevent that risk from coming into being, because that is what our role is. France has often come under fire for its tax and social security contributions which 4/6  BIS central bankers' speeches  exceed 48%.
On the other hand, prepayment penalties also can be abusive, such as when a borrower is unaware that an adjustable rate mortgage loan has a substantial prepayment penalty that will extend beyond the first adjustment of the loan's interest rate, making it costly or impossible for the borrower to refinance the loan to avoid a higher interest rate and payment.