Mr. Patrick Casey:

No. The straight answer is that we have not had contact with the Department of Justice. We have been monitoring discussions with interest. There was a discussion with this committee involving the banking and payments industry, which is a strong advocate of the introduction of the mandate so it can share information. We recognise the legal constraints until that legislation is in place. My understanding is that it is forthcoming. It has been in the offing for a period of time. That is the crucial missing gap in the framework domestically to enable Ireland's equivalent of a shared fraud database. Clearly it is very important that people are able to share information, particularly financial institutions and service providers, regarding the bad actors they have come across in the system and the challenge connected with the type of APP frauds and the different types we have seen.