The final report from the Competition Commission's (CC) investigation into payment protection insurance (PPI) is expected to be published in January.
PricewaterhouseCoopers have called the CC's proposed reforms a "mixed bag" with both positive and negative aspects. David Morey, director at PricewaterhouseCoopers's regulatory practice, said: "The proposed package of remedies is a mixed bag. Whilst some remedies are likely to be positive for consumers, there must be a real concern that the level of protection provided to customers will fall, potentially in a dramatic fashion."
Mr Morey added that PPI can offer very valuable benefits at times of stress . Presently, with more unemployment, increasing arrears and an increase in the use of charging orders, the Competition Commission's solution to de-link the sale of PPI from the credit is likely to lead to a significantly lower amount of cover being sold "which does not seem to be a sensible thing to be doing in the current climate".




