The Competition Commission has published a provisional decision to ban almost all point-of-sale PPI practices. There would be a limited exemption for "retail" PPI that relates to PPI on repayments for shopping through home catalogues. Retail PPI accounts for a small share of the market, has lower premiums than other PPI and evidence suggested customers would not shop around for it. The Commission says many customers want time and space to choose whether to take any PPI product and that, although many like the convenience of buying it at point of sale, the industry has overstated the consequences of the lack of convenience a ban would cause. However, given the evidence it received, the Commission thinks the ban would be disproportionate for retail PPI. The Commission wants comments on its provisional decision and intends to publish its final verdict in July.