John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Who controls the merry-go-round in terms of regulation? Is there anything the Department can do in terms of suggesting legislation to the Minister that would change the approach to credit unions and give them a more flexible hand in dealing in a measured way with their community and in better engaging the €11.5 billion they have in the banks? Does Mr. Carville think the €11.5 billion is being locked in the banks deliberately, preventing the credit unions from using it, in order to protect the banks?