Finally, the bill contains a graduated set of remedies for breaches. These include criminal and civil penalties, enforceable undertakings, and remedial notices, which will require an FMI operator to take action to remedy a breach. While the operation of FMIs is often taken for granted on a day-to-day basis, they are vital to the operation of the financial system and to all consumers and citizens, and ensuring that they operate in a sound and efficient manner is important for people to go about their daily lives. Because most transactions in the financial system are, and all electronic payments ultimately rely on FMIs, their disruption or failure can have a serious adverse impact on the operation of the financial system and in the real economy and the day-to-day ability of businesses and consumers to buy and sell their products. 