Professor Philip Lane:

It would be accurate to say "neutral". Banking is a commercial enterprise. We do not have a product gatekeeper role where we say whether we support one product over another. We do not have that endorsement role. As Ms Rowland stated, it would take a great deal to shut an option down. If the misselling risk is being managed by ensuring that the disclosure is correct and the advertising is not misleading, then these are set up as commercial choices.