John McGuinness (Carlow-Kilkenny, Fianna Fail)
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We are joined from the Central Bank of Ireland by Mr. Colm Kincaid, Mr. Wesley Murphy, and Mr. Patrick Casey. We are dealing with the issue of authorised push payment, APP, fraud.

Members are reminded of the rules regarding privilege. Those on campus have full privilege but those off campus may only have a limited privilege. Members are reminded of the long-standing parliamentary practice to the effect that they should not comment on, criticise or make charges against a person outside the Houses or an official either by name or in such a way as to make him or her identifiable. I invite Mr. Kincaid to make his opening statement.