John Brassil (Kerry, Fianna Fail)
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I have a few questions for Mr. Cross. Will the changes enhance the issue around regulation of insurance companies, specifically, the freedom of service insurance companies? Mr. Cross will be well aware of the issues that arose around Setanta and Enterprise Insurance. In his presentation, he mentioned enhanced consumer protection. Will it be in this specific area?

What role will the European authorities have in respect of consumer protection issues regarding banking and mortgage scandals? I refer specifically to the tracker mortgage scandal that happened recently. Would the Central Bank have a role in protecting consumers in the event of a similar scandal in the future?