Jim O'Callaghan (Dublin Bay South, Fianna Fail) | Oireachtas source

Head 20 makes it a criminal offence for them not to comply with that. The reason I am asking these questions is what the banking federation has to say. In its statement, the banking federation points out: "Under the proposed provisions, it is the three retail banks that will have sole and legal responsibility for maintaining the prescribed levels of access to both ATM and cash access points or counter services." Obviously, they do not take into account that there will be a new statutory regime for CITs and ATMs, but is what the federation is saying correct?