On March 6, 2007, the Competition Commission (CC) published a proposed final remedies package to increase competition in the personal current account (PCA) banking services market in Northern Ireland. The CC inquiry stemmed initially from a joint “super complaint” from the UK consumer representative body, Which?, and the General Consumer Council for Northern Ireland to the Office of Fair Trading (OFT), resulting in a market investigation reference to the CC in May 2005, under the Enterprise Act 2002 (EA 2002). Only a limited number of bodies can make “super complaints” under EA 2002, where they consider that market features significantly harm the interests of consumers. The CC’s provisional finding report, published in October 2006, identified that complex and unclear tariff structures and the reluctance of PCA customers to switch banks, contributed to restrictions of competition, potentially leading to customers incurring higher charges and accessing less favourable credit terms than would be expected in a more competitive market. The proposed final remedies package includes several requirements for Northern Irish banks, in particular, to provide PCA customers with simple descriptions of PCA services, clear explanations on the application of charges and interest rates when PCAs are opened and the introduction of simpler switching procedures. This proposed remedies package is consistent with the CC’s aim to remedy market failures with behavioural remedies rather than pricing remedies (e.g. caps on interest charges).