Ms Derville Rowland:

I would add on the point the Senator made about the consumer protection mandate that the consumer protections that the Central Bank is able to put in place to the fullest extent of its mandate are applied and they attach with equal measure to regulated entities such as the bank as well as when the loan is sold. There is no trade-off with the consumer protections that are afforded to loans that have been sold to these funds and we take the discharge of that mandate seriously. There is no lessening of the protections that are afforded to consumers. They apply equally.