Brian Hayes (Dublin South West, Fine Gael) | Oireachtas source

If this pattern which would be identifiable by the Central Bank emerges, there is no difficulty about changing the regulations. The first priority in ensuring the register works is in terms of the larger institutions such as banks and credit unions. I take the Deputy's point about moneylenders, about whom he has spoken in the past. If this problem were to emerge by way of information from the register, it could be easily solved by way of the Central Bank reporting to the Minister who would ultimately have the power to deal with it.