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"By proactively contacting pay option ARM customers and discussing other products with better options for long-term, affordable payments, we hope to prevent customers from reaching a point where they struggle to make their payments," Mr. Frahm said.
That could involve proactively contacting customers who might have a specific product that has been found with a fault.
But Richard Lloyd, executive director of consumer group Which?, said: "The banks should be proactively contacting their customers and making sure it is as easy as possible for those with a legitimate claim to get their money back, without any hassle".
After trying this (for at least a week), you can help yourself even more by proactively contacting relatives you'll see at an upcoming event, particularly the ones you're only used to connecting with through someone else.
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The bank said it "proactively contacted" regulators to seek guidance on the trades.
It proactively contacted clients in 2005 to suggest ways to avoid a new tax levied on the Swiss savings accounts of EU citizens, a measure brought in through a treaty between Switzerland and the EU to tackle secret offshore accounts.
Aviva says its will proactively contact customers whose policies were renewed between 4 April and 5 May and who are in a high-risk flood area to make them aware of Flood Re and the benefits of the scheme.
The latest version of the voluntary code states that banks must proactively contact customers they think may be heading towards problems, based on the information they hold on them.
"The PCC proactively contacted representatives of Mr Gately's family shortly after his death to ensure that they were aware of the PCC's services should they wish to use them".
The documents show for the first time that rather than acting as a passive party to the tax schemes of its clients, HSBC Suisse proactively contacted clients to market techniques that would have effectively sabotaged the tax treaty deal.
Five young American Muslims were arrested in Pakistan for attempting to join a terrorist group after the children's parents and Muslim American community members proactively contacted the FBI and assisted in their investigation (although the five have since protested their innocence).
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com