I assume you are proposing the word “necessary” because you feel it is more constrictive than the phrase “that it considers appropriate”.
For us, necessity is a criterion that is going to lead to debate when it comes to determining whether or not the threshold of necessity is met. These institutions also need to maintain some measure of discretion. The current wording reflects this desire to maintain flexibility in the implementation of these obligations. We assume that institutions will act in good faith, consistent with part VII of the act and the new provisions.