I've spoken to a number of experts about what to do if you feel you should be getting a share of the £1.3 billion in compensation.
If you were told you would be liable for costs if money was taken from your account, or the risks of having your ID stolen were exaggerated, you could have been a mis-selling victim.
If this applies to you, you should write to the insurer. If they do not reply within eight weeks, you should contact the Financial Ombudsman Service (0800 023 456).
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The study, conducted by the European Banking Authority, looked at how much capital would be used up in adverse economic conditions.