Kevin Humphreys (Labour)
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I welcome Professor Lane. In relation to the Central Bank's updated report, it outlines on page 22 the public warnings and on page 23 where the Central Bank issued communications to Bank of Ireland. That was in 2010. In 2012, Bank of Ireland commissioned a Red C report that would "encourage tracker mortgage holders to move off their product", to "ultimately improve the overall profitability of the Bank of Ireland" Group. There were several hundred letters sent out to customers asking them to come in to branches and meet the bank on foot of this report. Was the Central Bank aware of that or is that part of its remit? The Central Bank issued a yellow card and a red card, certainly, to the Bank of Ireland, that there were problems. Then, in 2012, they go off and do this. Would that be where an individual would be held responsible?