Mr. Edmund Honohan:

Yes. If one looks through the two directives from 2014 and 2021 on credit servicers, one will see the nitty-gritty, how they have to keep cleaned offices, do a post-qualification course, answer the phone and so on. It is standard bureaucratic stuff around how consumers are entitled to be treated. The Central Bank says it understands all of that, and if it gets a complaint, it will look into it but it will not necessarily say what it is going to do about. It is the bureaucratic or administrative end of the completion of the loan transaction.