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

No, it does not. Professor Lane has to understand this. I am tired of listening to the Central Bank telling us all of these things. I understand them. I understand Ms Rowland's difficulties in respect of the law and everything else. The fact of the matter, however, is that when one goes back to it, these banks did wrong by their customers, before 2013 and after. They went to the courts and failed. Mr. Kissane told the committee at one stage that he had won court cases and the banks still fought similar cases, rather than conceding. Forgetting all the talk about the legal framework and everything else, although that is required, people are asking what are the banks' responses, on a human level, to the theft they have conducted and to what they have done. Professor Lane has said that he has challenged them. Does he still have to challenge them? Are they still absolutely reluctant to deal with what they have done to a considerable number of their customers?