John McGuinness (Carlow-Kilkenny, Fianna Fail)
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To separate out the IFA and the bodies that represent various businesses at national level, the IFA lobbies. We have all been lobbied by the IFA from time to time.

It generally delivers for its members at national and European level in its members' best interests. That is the way it operates. Mr. O'Regan is saying that his organisation delivers in the best interests of its members, which are the banks. There is therefore as much of a need to change the culture in his organisation as there is to change the culture in the banks. If I pay a group to represent me and it decides to represent me in a way that curtails my ability to increase profitability, I would get very upset with that group. I would not pay my membership fee again. How does Banking and Payments Federation Ireland deal with that?