Pearse Doherty (Donegal, Sinn Fein)
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That is a valid point and I imagine the select committee can deal with that on Committee Stage.

Mr. Sibley raised the question of unintended consequences. This is my final issue. I do not have the statement before me, but Mr. Sibley has suggested that the banks could raise interest rates in other areas and that they could raise fees and so on. Has the Central Bank received any indications from financial institutions that this is an approach they may look at if the powers in the Bill were to come in?