John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Yes, I have noticed a shift backwards. I find the banks' behaviour appalling. Deputy Durkan is right; vulture funds are shocking in the way they treat people. When they contact me to query me on a particular file which I may not have with me at the time, they will then write to me to say I am not co-operating with them. I do not walk around with 20 files under my arm waiting for one of the vulture funds to ring me. I engage with them, however. I try to work out the problems for those people. They have to be more tolerant when seeking information and getting the job done.

I ask the witnesses to listen to what I am saying and try to influence the vulture funds to be better not just for one person but for everyone. That is all I ask.

We have dealt with the matter of consumer protection adequately. I will raise an issue with regard to the bank. I have a reply in respect of the wards of court, and I accept that. Their point is that the firms that are looking after the investment or the courts that are providing the money for the investment should be aware of the statutory instrument of 2002 and ensure that the content of that statutory instrument, relative to the responsibility that it places on types of investment, is adhered to. I will send that on to the witnesses. I understand the Central Bank does not regulate wards of court. This is a deeper question and I will come back to the witnesses on it.

Is there are a plan to build a new €20 million Central Bank building?