Although the use of automated systems are not banned, companies have been told by Ofcom to employ such practices more carefully.

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However wireless networks will be required to disclose the network management practices they employ.

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Overexposure to construction and development loans including loans secured by multifamily and commercial properties: If loans for construction, land development, and other land, and loans secured by multifamily and commercial property are 300% or more of total risk capital, the institution would also be considered to have a CRE concentrations above prudent levels, and should employ heightened risk management practices.

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Companies like MinuteClinic, which employ nurse-practitioners in pharmacy chains, threaten to disrupt physicians' practices with convenient lower-cost care for consumers.

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