This article has previously reported on the Competition Commission's findings on the payment protection insurance (PPI) market. The response by the Finance & Leasing Association (FLA) to the Commission's findings made the following key points. PPI provides a vital safety net for borrowers facing payment difficulties. The Commission's stated objective of ensuring that customers benefit from a transparent market and are provided with the information they need is agreed. Recent FLA research shows that 80% of companies have improved their PPI products.