The proposal would provide little or no added value, given that what one institution considers reasonable may not be considered reasonable by another. It would also result in a disparity between the provisions for credit institutions under the 2001 Act and those for insurance undertakings. The requirements of the register, combined with the offence provisions in relation to the notice to policyholders, should serve to reassure on this matter. For this reason, I do not propose to accept the amendment.