Paul Coghlan (Fine Gael) | Oireachtas source

Yes, I will ask it in a second. As the Cathaoirleach is aware, brevity is my middle name. I ask him to be patient for a moment. If the banks do not produce a policy, the Central Bank will issue them with a directive. It has been slow to do so for the very reason that the banks would then absolve themselves of all responsibility and implement the directive across the board, perhaps in a heavy-handed manner.