Ms Derville Rowland:

I can come back and we can give the Cathaoirleach more precise information. We would look at complaints about the non-bank sector from two points of view. One is anyone who contacts the Central Bank directly or through his or her representatives. We record that and bring it into the supervisory teams. We look at those issues.

We also inspect and meet firms. We then examine their data about what their customers are complaining about directly to them. We also monitor social media, for example, to see what people might be saying online about behaviours or practices. We get other feeds that give us our intelligence around issues in the system and risks. If people tell us something directly, we take that into account. We will give you some information about that. We get information from people such as committee members who are in a position to talk to an awful lot of people and can hear intelligence or commentary. We particularly expect the firms themselves to look at their own complaints data. We look at that for trend analysis and bring it together at system and firm level. We have myriad levels of information that we gather. Through other connections with society, we will listen and take all of that into account. There are multiple ways for us to hear intelligence.