Mr. Ed Sibley:

I think it was our director of enforcement who described KBC’s behaviour as abhorrent. I think that was the adjective she used in our statement following the publication of the investigation into KBC. Clearly, its behaviour was atrocious and has had a devastating effect on families and individuals. We continue to investigate. Our enforcement investigation remains open at this stage across all that we saw in our tracker mortgage investigation. One reason we pushed for the individual accountability framework is because of the challenges in holding individuals to account under the current legislation. We think the individual accountability framework can be improved. We are working with the Department of Finance and are keen for that to be in place as quickly as possible. Clearly, matters relating to what happened in KBC are to the fore of our minds when we look at fitness and probity for instance and absolutely have been part of our of considerations in terms of further fitness and probity applications. Unfortunately, some of that is not transparent to the Deputy at this stage but certainly our enforcement investigations continue to try to hold the individuals who were responsible to account.