On 24 September 2012, the Advisory Committee of the Financial Sector – "ACFS" ("Comité Consultatif du Secteur Financier") issued a report on the impact of the entry into force of Law dated 1st July 2010 on the reform of consumer credit. This report includes in particular an assessment and areas for improvement in the field of loan insurance. It recommends in particular that the standardized information sheet which aims at informing prospective customers on the modalities of insurance be disclosed in advance, thus enabling prospective customers to effectively compare the offers.