Mad Jock
Yep I wondered about that too - i suspect that if the Bank's excercised a degree of coercion i.e. Use our PUP (potentially unwanted program) or we refuse you access to the service, then its open to question ? As to the possibility, as to if an offence has been committed.
I'm not a lawer but my instinct (if the software does "Analyse" your PC or others accessable on your home network) would be yes. Edit: Issues of informed concent apply too.
CAT III