SEPA guarantees that euro payments are received within a guaranteed time, and banks are not allowed to make any deductions of the amount transferred, introduced by a regulation in year 2001.[21] Banks and payment institutions still have the option of charging a credit-transfer fee of their choice for euro transfers if it is charged uniformly to all EEA participants, banks or payment institutions, domestic or foreign.[22] This is relevant for countries which do not use the euro; domestic transfers in euros by consumers are uncommon,[clarification needed] and inflated fees might be charged.