The three smaller building societies have continued to trade separately from the parent organisation.
BBC: Nationwide expected to shed 500 jobs in regional shake-up
Some easy access savings accounts have simply been withdrawn by banks and building societies altogether.
The new rules apply only to banks, and don't include credit unions and building societies.
Some are planning to challenge the ruling and take their cases to the building societies' ombudsman.
The report from the Building Societies Association (BSA) said that pessimism in the market remained.
Banks and building societies are closing branches and increasingly dealing with customers by telephone.
The Treasury has particular responsibilities for financial mutuals, including building societies, mutual insurers, co-operatives and credit unions.
Banks and building societies will be able to borrow, for a fee of 0.25%, over four years.
Lloyds has also learned that former building societies enjoy more of their customers' goodwill than do banks.
At present, there are 32 branches in both Cheshire and Dunfermline building societies, and 27 in the Derbyshire.
BBC: Nationwide expected to shed 500 jobs in regional shake-up
He is also concerned that not all the banks and building societies are taking part in the scheme.
Users can find lost cash sitting in dormant accounts in banks, building societies and National Savings and Investments.
In October, building societies experienced a net outflow of savers' funds for the eighth month in a row.
The chancellor told MPs on Monday that banks and building societies had a duty to treat their customers fairly.
Mr Cliffe said that banks and building societies are being far from co-operative.
And unlike Britain's building societies, depositors and borrowers are not necessarily the owners.
The three smaller building societies had to accept being taken over by Nationwide as a result of the financial crisis.
BBC: Nationwide expected to shed 500 jobs in regional shake-up
These lie idly in banks and building societies and I believe some of those should be put to better use.
In recent years mutual building societies have been seen as safe havens after the recent scandals surrounding the banking industry.
She got rid of the cartel of building societies that had rationed the supply of credit to house-buyers in Britain.
Which means that, relative to big banks, the costs of borrowing for building societies amd tiddler banks would rise sharpest.
"We are currently seeing healthy competition in the savings market, with banks and building societies fighting for funds, " he said.
One of the UK's largest building societies is giving staff grammar lessons after concerns about the standard of their written English.
This means that these schemes do not have the same protection as savers with UK-registered banks, building societies and credit unions.
First, savers provide money indirectly to borrowers through intermediaries, such as banks, savings-and-loan associations (building societies), mutual funds and pension funds.
Building societies are constrained by a rule which lays down that 75% of their loans have to be secured on residential property.
The sale of packaged accounts by banks and building societies has been a source of concern for the regulator for some time.
Banks and building societies will have to write to customers annually to prompt them to check whether they still qualify for insurance.
Last week though, the Building Societies Association warned that the current blockage in the mortgage market might last for another two years.
Adrian Coles warned that this process would hinder the ability of banks and building societies to lend money to potential home buyers.
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