It is vital that New Zealanders can trust their banks and insurers and be treated fairly by them. Treating consumers fairly is essential to building trust in the finance sector. It will be a win-win for consumers and the financial sector if we can all have more confidence that banks and insurers are placing fair treatment of consumers at the heart of their businesses, that financial products are being designed and sold with a view to best meeting consumers' needs, and that consumers don't face unreasonable pressure to retain or to change products that may no longer be useful for their particular situation. 