Mr. John Palmer:

Different Ministers in different Department have their own responsibilities. We can certainly raise the matter with them. As the Deputy is well aware, the BPFI has raised the issue with the relevant Department and regulator on many occasions and is seeking to get involved. I draw the committee's attention to one proposal in the draft payment service regulations, PSR, that came out today. The Deputy may think it is in a slightly limited way but it is in Article 59. It is about payment services providers' liability for impersonation fraud, which was mentioned earlier. This is a case which we should welcome. Paragraph 5 of Article 59 states:

Where informed by a payment service provider of the occurrence of the type of fraud as referred to in paragraph 1, [that is impersonation fraud] electronic communications services providers shall cooperate closely with payment service providers and act swiftly to ensure that appropriate organizational and technical measures are in place to safeguard the security and confidentiality of communications in accordance with Directive 2002/58/EC, including with regard to calling line identification and electronic mail address.

That is a very welcome development. We will have to talk to the Department of the Environment, Climate and Communications about it regarding what will be the competent authority and how this will work in that case.