The European Banking Authority (EBA) on Wednesday published final guidelines on remuneration practices in the sale of retail banking products and services, which it says is “a key driver of miss-selling” in the financial sector.

The guidelines aim to protect consumers, and to reduce the costs of misconduct for financial institutions, the EBA says in a news release.

The new guidelines aims to “provide a framework” for financial institutions to implement remuneration policies that “will improve links between the remuneration of sales staff and the fair treatment of consumers,” the EBA adds.

Firms will be gratned more time to implement the new guidelines, the EBA says. Instead of taking effect in Jan. 2017, as originally planned, the new guidance will come into force as of Jan. 2018.