An ombudsman has the power of persuasion, has the power of public relations, as it were. We would post that. I think banks are very sensitive to the idea that they're publicly told that their decisions are wrong. Having said that, we can enforce a recommendation, in that if it's not followed through, we publish. We're also a dispute resolution tool. If a party gets a recommendation, and it's not followed, while we can't enforce it like a court, they have that information to take it to another body as they see fit to try to have it enforced.
On November 22nd, 2016. See this statement in context.