Regulators must not over simplify and ignore stakeholder complexity. Consumers should have a single point of contact, such as a Citizen Adviser, who they can freely access to receive guidance in the need for redress. With the ever‐increasing pace of new technology and its creative use by providers, to secure our business in a global competi‐tive market, the consumer connected to the Internet is bombarded with offers, all day every day. Criminals are attacking consumers at a relentless pace and must be tracked down and punished no matter where they or their victims are located. NRAs have an important role to play in education and acting as an interpreter between technol‐ogy driven providers and consumers. NRAs have a responsibility to work with all legitimate stakeholders to encourage them to behave responsibly, minimise harm from attacks and track down perpetrators. Success in these activities will increase consumer participation and consumer protection in the digital economy.