Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

Since 2009, the Central Bank of Ireland - Mr. Dempsey can correct me if I am wrong - has put in place new criteria, including the requirements for loan-to-value ratios to be brought into line, for mortgage calculations not to take into account overtime payments, rooms that could be rented and so on, for income ratios to reflect more normalised states in regard to mortgage lending and for 35-year mortgage schedules to be brought back to 25 years or 20 years. That is a discussion for another day with the Governor of the Central Bank of Ireland. Is that what Senator Barrett is talking about?