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

The framework for conducting the tracker mortgage examination was to be submitted to the Central Bank by no later than the close of business on 30 September 2016. We now know that that was changed to September 2017. What made the Central Bank decide that? Some 2 million accounts are involved and it is a big job. Did the banks push to make that decision or did the Central Bank go to them to say that it was a big job and they would be given 12 more months.