Mr. John Hogan:

There is a standard consultation process whereby we advertise through our website that we are entering a public consultation phase. On this particular issue, there was at the time quite a bit of media interest around it and it was covered by the main news stations. It was in the public domain and we were active about it.

Looking at the submissions, there is a fairly extensive cross-section of people who have been affected by the sale of their particular loan to another party. These included some stakeholder organisations which represent consumer interests, some companies involved in this particular area and the banking industry.