Once a network has been designated and a Minister has accepted that advice and designated a network, the commission will have a broad set of tools to regulate aspects of the network. For example, the bill seeks to address the lack of competition by enabling the commission to issue access standards. They could require established participants to open up access to parts of the network to make it easier for new entrants to use crucial infrastructure as a part of the payment system. The commission could also issue directions to network operators to set or amend network rules, and the bill enables the commission to monitor the retail payment system and impose information disclosure requirements, if it wishes. It can also improve the transparency of fees through describing how fees may be presented, and that will all make it easier for small businesses to compare the different offerings in the market, the different merchant service fees they might be charged for using this network system or that system. 