Brian Cowen (Laois-Offaly, Fianna Fail)

The legislation is being prepared in the Department of Finance. It is a consolidation Bill. It will probably be ready to be brought forward at the end of this year at the earliest. It is a very large Bill. It will probably be next year when it is ready to be brought forward, to be accurate.

Consumer panels have been set up that are within the Financial Regulator's remit. A consumer code is also in existence, as are a range of consumer affairs-type mandates and arrangements for the Financial Regulator which were not there before. They are often fully utilised.

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