Paschal Donohoe (Dublin Central, Fine Gael) | Oireachtas source

We have such extensive legislation in place to try to protect individuals if they end up in a vulnerable position, particularly if their mortgage is part of a loan book that is sold, so they receive a very high level of protection from our laws. I believe we have done that. I am aware that Deputy Durkan is frequently contacted by people in his constituency and beyond who are in difficulty. The figures I have show that, in the majority of cases, the legal framework in place leads to a resolution of many of the difficult matters that bank customers may face. I believe we have the balance right and that those involved in delivering financial services in Ireland are aware of their obligations. We will always become aware of cases where this does not happen in the way we want. That is the reason the Central Bank is important. Deputy Durkan, as a public representative, also plays a vital role.