The problem is that with the lack of clarity, lenders will withdraw from lending to certain categories of people. They will pull back in a way that is unhelpful to consumers. They know that it will take years—perhaps three, four or five—to bring a case to court. There will then be appeals and it will take time to prove whether something was unfair or not. Throughout that time, they will exercise much greater caution than would have been necessary had there been greater clarity.