Export product liability insurance (EPL) has been playing a vital role in the decentralization of risks in export product liability.

If the underlying assets go bad and the products can't be repaid, the Banks are usually not technically liable, but the risk is that they will be forced to take the losses nonetheless.

The fundamental issue was whether Wyeth or the F.D.A. was most responsible for warning consumers about the potential risks of Wyeth's drugs.