Brian Cowen (Laois-Offaly, Fianna Fail)

Deputy Bruton is correct. Given the nature of the business, discretion is being left with the Financial Regulator's office rather than the Oireachtas in imposing non-exemptions that may militate against the conduct of business wherein the regulator does not perceive a consumer problem. Without mentioning names, I have sought to address other matters that have given rise to comment. People have jobs to do, but this is a matter between the pensioner and the authorities concerned.

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