BBA has responded to FSA's consultation on FSCS limits. It notes the key to maintaining consumer confidence is to deflect the impact to consumers of a bank failure by ensuring continuity of banking services. If this happens, depositors should not need to claim on FSCS. BBA is concerned that, if a bank is allowed to become insolvent or to fail operationally, it would be impractical to try to arrange a seven-day payout and there would be bound to be unintended consequences of such a rushed procedure. The response also notes that consumer awareness of compensation schemes is critical to avoid mass withdrawal of deposits. Finally, it wants the UK regulators to make sure they do not take any action that is likely to be inconsistent with planned EU initiatives.