Section 68 of the Financial Services (Banking Reform) Act 2013 (c. 33) (“the Act”) enables representative bodies to make a complaint to the Payment Systems Regulator (“the Regulator”) established under the Act that a feature or a combination of features of a market in the United Kingdom for services provided by payment systems is, or appears to be, significantly damaging the interests of service users. Section 69 of the Act requires the Regulator to publish a response to such a complaint.