When I read the provisions in this section, I wondered whether we would end up seeing cases systematically referred to the courts. I think the Department of Finance should be responsible for making the decision about allowing demutualization, but it would be easy to put it on the courts to make that decision.
I think this takes responsibility away from elected officials. Instead of creating a framework to make a decision, they are making it easier to turn to the courts so the courts can do the work.