Professor Philip Lane:

Outside the parameters of consumer protection, where people have a commercial mortgage with an investment fund, it is within a legal framework. If there are concerns that what is happening is a violation of their contract, people should go through the legal framework to resolve them. That goes beyond consumer protection. There is a recognition that the legal route is inappropriate for individual consumers and the system is better off having an ombudsman and a regulator to protect consumers, but commercial transactions are legal contracts. If there is something the small business feels is at odds with its contractual rights, the courts are the framework.