Joe Higgins (Dublin West, Socialist Party)
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Okay. Ms O'Dea, on page 7 of your opening statement, second paragraph ... last few sentences, you said: "In the [United States], many changes have been adopted through new legislation and the conversation there is not so much about more intrusive regulation but stronger enforcement action, stronger consumer protection and changes [in] the culture of [the] banks." In relation to all that has happened here and by common consent, the disastrous consequences of reckless lending that has been alleged, do you believe that legislation should be changed in this country to provide for jail sentences, for example, for serious breaches of financial rules and regulations that should be upheld?