Ms Derville Rowland:

I am saying that we have a vast array of regulatory responsibility across very many legal frameworks. Some of those legal frameworks are designated as civil matters, some are designated as criminal and some are designated as both. It depends on which legislation one is looking at whether the statutory designation is civil, criminal or both. One needs to take a very specific look at that. The Central Bank has powers to prosecute summarily with respect to some matters but each legislative scheme is slightly different.