John McGuinness (Carlow-Kilkenny, Fianna Fail)
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The regulator is acting on foot of the legislation While we focus on Central Bank regulation, it is the legislation which causes the difficulty, Therefore, any change that is needed must be made to the legislation. Can Mr. Johnson separate those two things for us? Some legislation has been passed and is working while other legislation has been passed but is not working. The legislation required to make things work for credit unions is the third heading of today's submissions.