On 10 September 2015, EIOPA published a speech delivered by its Chairman regarding Solvency II implementation. Interestingly, this highlighted that EIOPA would be on the lookout for inadvertent consequences of Solvency II implementation; particularly any negative impact for consumers. Areas highlighted by EIOPA as those it would monitor in this regard include (a) (re)insurers' investment behaviour, (b) insurance product availability and (c) risk culture and ORSA practices.