Ms Seána Cunningham:

I will deal with the question on enforcement and capacity. We have been very focused on, and have built, enforcement capacity over recent years. We have multidisciplinary teams, constituting investigators, lawyers and data analysts, that we bring into play in our enforcement investigations. We have conducted enforcement investigations at scale, with forensic retrieval and analysis of data. We are well set up as an investigative function. We have demonstrated that in the context of some very significant investigations we have conducted.

What we see coming to bear here are proposals that we believe will enhance our enforcement process and perhaps, critically, our inquiry process. We have run Central Bank inquiries. As is typical when running inquiries, ways of bringing enhancements to bear are identified. We very much look forward to some of these enhancements as they are brought to bear. We have been really focusing on and building our capacity for conducting enforcement investigations over recent years. Considering the complexity and scale of investigations undertaken to date, we believe we can continue as we have been doing as the new regime is introduced and our process is enhanced.