On 14 July 2016 the European Commission published a summary of responses to the public consultation on the Green Paper on Retail Financial Services prepared by the Directorate-General for Financial Stability, Financial Services and Capital Markets Union. The responding firms highlighted a number of obstacles to offering services cross-border, including local financial regulation, tax laws, access to data and information, local network for insurance claims handling, and divergent national interpretations of the Anti-Money Laundering Directive. The report states that work is ongoing in the Commission services on a follow-up initiative, which might take the form of an action plan.