Mr. Kevin O'Brien:

It is at a macro level. Our ambition is to seek to both prevent and then resolve any consumer harm. When issues of significance emerge across the different sectors relating to firms where there is consumer upset or disquiet, we are never afraid to contact the firm, engage with its representatives and understand what is happening. There is not, however, a specific avenue in legislation for a consumer to bring a complaint directly to the Central Bank and have it dealt with on an individual basis.