Mr. David Hall:

The lack of certainty in the discussions today and the lack of certainty around these topics with the vast sums of money and the individuals involved has to be very concerning to many. This has been going on for a long time and in the absence of an expressed certainty as to power, authority and regulatory supervision, that has to be addressed by this committee and by the Oireachtas. There needs to be firmer explanations. It is absolutely remarkable that in 2023 this committee, which has a tried and tested track record in consumer protection, is scrambling to get a bunch of vultures into a room. No one in the world would actually believe that. To go back to the Central Bank, and the Banking and Payments Federation's, their mouthpiece, it should be able to force that to happen. The fact there is a conversation happening and there are public appeals to have vulture funds, which profited and picked on carcasses, attend a democratic committee to answer basic questions, it is a joke.