Ms Mary O'Dea:

We had a number of issues actually in the consumer protection code. The most important of which was suitability. Suitability used to apply just to investment products but we applied suitability in the consumer protection codes to lending and we wrote to firms within that to explain that that meant affordability and that when they were lending, when they were giving loans, they had to check affordability And we also, for example, in relation to mortgage brokers we carried out a specific investigation in relation to the falsification of P60s-----