Hon POTO WILLIAMS: Thank you, Mr Speaker. This means that products and services can be mis-sold to consumers. The first way the bill deals with risks associated with incentives is through the fair conduct programmes. There is an obligation on financial institutions to have effective processes for designing and managing the adverse effects of incentives on the interests of consumers. This will ensure that financial institutions are turning their mind to the risks that these incentives pose to good consumer outcomes and mitigating any adverse effects on consumers' interests.