Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Could the reasonable grounds test in that section of the legislation not be satisfied by the fact that consumers were reasonably waiting for the Central Bank to carry out its examination, which took a number of years to conclude and has just concluded now, so therefore the reasonable grounds test for each and every person who has a tracker complaint is satisfied because that is reasonable. If I was one those affected by the tracker mortgage scandal, it is reasonable for me to say that the Central Bank, which has a consumer protection role, is about to protect me however late in the day it is. That process took nearly four years.