Pearse Doherty (Donegal South West, Sinn Fein)
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It is more likely that an individual would be appointed to compile a report depending on its scale. I agree with the sentiments expressed by Deputy Michael McGrath. While I know there is protection offered by the fact that the Central Bank has to approve the reviewer, would it not be more appropriate for the bank to have some panel of individuals who would know what it required? I know they will be issued with a direction as to what the report must contain. However, instead of the bank choosing whoever it deemed necessary, with it being forced to refuse someone which is an issue because the bank must find reasons to refuse him or her, would it not be more appropriate for a suitable panel to be identified by the bank? The bank would then select someone from the panel who would enter into the contract with the financial institution.