Gerry Horkan (Fianna Fail) | Oireachtas source

I am looking at some of these targets, such as year one action and 100 days and so on. In the context of year one, has the Department - Mr. Moran and his team - been asking whether these have been achieved or how far they are getting? For example, the programme states:

It is not ethically acceptable for Irish banks to charge excessive interest rates on standard variable rate customers. We will take all necessary action to tackle high variable interest rates; including through establishing a new code of conduct for switching mortgage provider, administered by the Central Bank and the development of a new, easy-to-use standardised and dedicated switching form. We will also request the Competition and Consumer Protection Commission to work with the Central Bank to set out the options for the Government in terms of market structure.

I am not sure I have seen too many of the commitments implemented yet. I admit that we are not at the end of year one but I wonder where the Department is on some of these commitments.