Ms Isolde Goggin:

It is not really a report. The outcome might not be a report. We compiled a report on the mortgages investigation because we thought the best way to fix the market was to make recommendations on stuff that we, the Central Bank and the ombudsman could do. If we are looking at conduct that is just confined to the industry and can be fixed by the industry, then a report might not necessarily be needed.

It might end up in a High Court or criminal court action.