Who is the Kenya Bankers Association and what powers do they have ?

On 13th Dec 2011, the KBA met and agreed on a few things, notably,

1.Interest rates for existing customers to be capped at 20%
2.Early repayment penalty on Loans waived

A month later, the banks have refused to enforce this.

I note that the communication was immediately posted on the CBK website

Can this be used by a customer to enforce the agreement

http://www.businessdailyafrica.com/-/539552/1288678/-/5m9febz/-/

http://www.kbc.co.ke/news.asp?nid=73982

Sufuri, The KBA is a cartel, pure and simple.