Ms Áine Carroll:

The CCPC has a specific statutory role in terms of personal finance information and education. That would be a very strong focus for the CCPC. We work very closely with others in the performance of our functions in that area. We share information with them. We have a co-operation agreement with them and we share information.

In terms of the consumer protection angle, the Central Bank of Ireland has its consumer protection code. It has regulations and it has the enforcement tools in respect of looking at any specific behaviour that goes outside of the regulations and outside of the provisions in the code. Our role is more in terms of information and education but also in terms of having that relationship with the Central Bank of Ireland where we ensure that information on issues that are brought to our attention regarding regulated entities is passed on to the Central Bank. We do that on a very regular basis.