Ms Derville Rowland:

I have not had the chance to analyse the import and impact of this. I take what the Deputy said. I learned of this decision at arm's length in the same way that anybody outside of the FSPO did. I can only repeat that we are fully supportive of a remedy to address this gap. We are fully supportive of consumers being fully protected. The FSPO legislation was amended to address limitation periods in the past. I do not know what kind of remedies can be brought in respect of this matter, except to say that the Central Bank is fully supportive of any approach that could address this gap. We want to have a policy framework that fully protects consumers from the point of view of the role of the Central Bank. We are also very supportive from the point of view of the entire system of consumer protection in financial services, of which the ombudsman is one of the very significant parts.