The government has unveiled its plans for reforming financial services and much of it will not happen this side of an election - now less than a year away.
But buried in its White Paper are a number of changes designed specifically to help consumers.
They include the colour coding of products, a national money advice service and changes to the compensation scheme when banks go bust.
What will they mean and will they work? We discuss the detail with Anthony Elliot of the charity Fair Banking and Angela Knight of the British Bankers' Association.