Ms Gráinne McEvoy:

I think they are sufficient. The code of conduct on mortgage arrears was reviewed in 2018. The outcome of that review concluded that it was an effective document and working as planned. It is important to note that the Central Bank keeps all of its statutory and regulatory requirements under continuous review. They are living documents and we regularly and frequently consult on changes and enhancements that we make to the wide suite of consumer protections and wider regulatory obligations.

We continue to maintain things under continual review.