Ms Derville Rowland:

To reinforce the Governor's remarks that the regulatory framework applies, the consumer protection code, the code of conduct on mortgage arrears and all of our regulatory frameworks apply in equal measure in terms of protection of consumers, whether their loans are owned by banks or non-banks. That remains the case and it remains a focus for us, as risk-based supervisors, to ensure that we scrutinise all firms according to our risk assessments and, where we see issues arising, that we demand that firms live up to their obligations to their customers and remediate them.