Mr. Ed Farrell:

The thousands of people referred to by Mr. Johnson have to do training every year. There is technical training in money laundering and finance as well as soft skills training so all those volunteers and paid staff do ten, 12 or 15 hours training. It can be online courses, days in classrooms or accredited courses where they are studying for certificates or diplomas. The movement takes training and learning very seriously. The credit unions are as disappointed as we are if any of them falls into a fine category but it seems to be an area where the Central Bank is eager to name and shame. None of us condones that.