Ms Derville Rowland:

We have already talked to this committee about liaising closely with the other agencies. That is our obligation. It is an obligation we take seriously and we have ongoing discussions with other agencies about their mandates. We are pressing ahead with open enforcement investigations against the main lenders in the tracker mortgage examination. They are the key priority of our enforcement team, which is pressing ahead with this. We have already publicly concluded an investigation of one legal entity, Permanent TSB, by levying the largest fine we have ever imposed. That represents a significant step up in our approach, reflecting the new heightened penalty powers that the Central Bank has acquired. We continue to pursue all angles in all of those cases to ensure individual accountability. We continue with that very detailed and forensic work.