Kieran O'Donnell (Limerick City, Fine Gael)
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No. I am asking about the procedure should the banks avail of the provisions that applied prior to the requirements of section 149 of the Consumer Credit Act 1995 to increase existing charges up to ceiling level, based on what they had notified prior to the introduction of section 149 provisions in 1996. Are they required to get approval from the Central Bank at present for such changes in the charges?