The Government has fed back on the responses to DBIS’s consultation on the effect of bankruptcy on the ability to access a basic bank account. Responses to the consultation have shown that only 27% of people subject to a bankruptcy order are able to retain their bank account. A bank's decision not to offer a bank account to a bankrupt is mainly based on the bankrupt's credit record, rather than on the risk of the trustee making a claim against the bank, a risk that the consultation process has shown is more perceived than real. Despite this, banks say that eliminating the risk of claims by trustees would prompt them to look again at their policy and ensure that nobody is denied a bank account because of bankruptcy alone. (Source: Bank Accounts for Bankrupts – Government Response)