Any Irish Government since the Recession have engineered Bank V Consumer to ensure Mr Bank wins, whilst at the same time pretending they all work for the people.
The National Consumer Agency (NCA) may well be a good home to check things but unless real teeth are given to NCA or appropriate agencies ,it will look good and give pretence of consumer care.
{Improved transparency}
Historically the information wad gets bigger and bigger and without a Finance degree , Joe Soap just signs.
Unless the test of reasonableness ie would you sell that product to your Mother is applied ,we end up in un transparent territory.eg how many people ever fully read terms/conditions?
Obligations are not must does.