On 15 December 2010 the Law Commission and Scottish Law Commission published a Summary of Responses to Issues Paper 7: The Insured’s Post-Contractual Duty of Good Faith. The Law Commissions commented that "Fraudulent claims are a serious and expensive problem, and consultees told us that the current law was unduly complex and in need of clarification. The approach taken under the Marine Insurance Act does not sit easily with modern insurance industry practice, and the continuing disjuncture between law and practice operates to the detriment of all stakeholders in the insurance market". The next step is for the Law Commissions to produce their joint consultation on various issues (including Issues Paper 6: Damages for Late Payment and the Insurer’s Duty of Good Faith & Issues Paper 7: The Insured’s Post-Contractual Duty of Good Faith) and to issue their policy paper with recommendations on the law of nondisclosure and warranties for business insurance.