On 28 June 2013, EIOPA issued an opinion on consumer protection in payment protection insurance ("PPI"). In this opinion EIOPA identifies eligibility/ suitability and the provision of misleading information as the most frequently mis-selling issues for PPI products and highlights the issues associated with cross-selling resulting in distorted consumer choice. On the basis of this opinion EIOPA recommends national competent authorities to analyse their national PPI market in order to determine whether further investigation and any possible supervisory/ regulatory actions are required at national level. National competent authorities have six months to provide feedback on their past and future actions in this area, then EIOPA will decide what kind of action is needed at an EU level.