The Central Bank has published an Outlook Report which identifies risk areas for financial services customers and the Bank's consumer protection priorities going forward. In response to the identification of a lack of consumer-focussed culture within firms, the Central Bank's Director of Consumer Protection Bernard Sheridan reminded boards and senior management of their responsibilities in that regard. The priorities for the Central Bank in relation to Consumer Protection include seeking further progress on tracker mortgage examination, concluding consultations on transparency requirements for mortgage lenders, a supervisory focus on smaller retails firms and the introduction of an enhanced authorisation model for credit servicing firms, retail intermediaries and payment institutions.