Ms Seána Cunningham:

On the Deputy's second question, I might talk about the administrative sanctions procedure, ASP, and the fitness and probity regime. What is changing under the general scheme in terms of the administrative sanctions procedure is the pool of people to which it is applicable. Currently, the ASP does extend to people who are formally concerned in the management of regulated entities. It has been the case that the Central Bank has sanctioned people who are formally concerned in the management of entities. The general scheme also looks at the fitness and probity regime, and talks about investigating a person who held, but no longer holds, a controlled function, and using the legislation to look at a period, pursuant to which an investigation may be commenced after a person departs a controlled function.