Kieran O'Donnell (Fine Gael) | Oireachtas source

The question I am asking, which is a very legitimate question, if this was going on for all of those years - over a ten-year period to 2015 when it came to light here - why did the Central Bank not pick it up? The banks knew they were doing it and the regulator was regulating the banks, so why was it not picked up by the Central Bank in its regulation of the individual banks? At this stage we are talking about the bones of 15 years after this started. I am asking Ms Rowland why the issue was not picked up. I am aware that Ms Rowland was not there at the time, but I am asking for her opinion.