We make no secret of the fact that much of our practice is associated with financial institutions. Therefore, it will not come as a surprise when we start introducing specific changes accompanying a major amendment to consumer law. While it is true that financial institutions will not be affected by most of the major changes in the Civil Code (such as restrictions on telephone contracts), they alone will be limited in the means of distance communication they can use only to those the consumer does not reject. Some means of distance communication, such as payphones, will even require explicit consent.