In order to address citizens' complaints, the State Bank of Pakistan issued guidelines for loan recovery, under which the domain of the recovery officer has been determined. SBP spokesman Sayed Wasimuddin told media that only the guidelines for the recovery of consumer have been declared as 'fair date collection guidelines', which would apply on credit cards, housing loans, auto, personal and other consumer loans. He said the guidelines were introduced to facilitate banks and the consumers getting loans from banks. Before beginning operation for recovery of loans, banks and the financing institutions are bound to provide their customers all information regarding their dues, under the SBP guidelines.