FSCP’s response to the Tripartite consultation on financial stability and depositor protection concentrates on what consumers will want to see. A major concern is that consumers would need to understand how brands and bank groups work to know whether their claim would meet the limit. The proposals would mean all accounts with a single authorised firm would be counted as one, even if money is held in a number of differently branded accounts. Most consumers would not know which groups have only one, or several separate, authorised firms. The response also stresses the importance of continuity of service.