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

I would certainly like to see the consumer section, whoever is responsible, be it the Competition and Consumer Protection Commission or the Central Bank - if it is not clear where the responsibility lies, then we must clarify it. For God's sake, something must be done to extend protection to those who need it most and who are most vulnerable. They do not all have their heads in the sand. They are trying to fend for themselves and their families and feel outweighed by the State and the legal muscle of the banks.

Deputy Pearse Doherty addressed the issue of section 149 and the banks and their fees. I do not think the banks should be allowed to take one further cent in fees from anybody. They have enough. They are back now as hungry as ever for profits and money and somebody needs to put a stop to them. That is my personal view.

I thank the witnesses for their attendance and invite them to remain for the next session, where they may hear some solutions to this crisis. We will now suspend briefly to allow the new witnesses to take their seats.