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Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: On prudential regulation specifically, was it the practice, therefore, or not, that, due to lack of resources, no action was taken?

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Okay. And again not specifically to you, because obviously this was the case before your time as well, was it a policy choice, "I'm not going to go down the sanctions route on prudential regulation but I am going to go down the sanctions route on the consumer side"?

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Okay.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: So that was kind of seventh floor department again, was it, in terms of-----

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Okay.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: But the board-----

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: -----and the senior executives.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Kind of ... just this was the situation. It was kind of decided, "Look, we're going to focus more on the consumer side than the prudential regulation side".

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: But the outcome of those meetings, as you understood it, was to pursue that line, was it, or not?

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Okay.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: So, in essence, was principle regulation, when it came to prudential regulation, like having a football match and FIFA but no referees?

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Oh, okay.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Maybe the FAI. The FAI then.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Okay.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Can I ask-----

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Yes. Any chance of some of Deputy Higgins' time there?

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: The ... you mentioned in your statement, and I'll paraphrase somewhat but you can correct me if I'm wrong, that at times you would be dealing with an issue with a bank and, similar to the issue that was mentioned to Deputy Higgins there, that it was maybe somewhat passed off and, "Look, I'll be talking to so-and-so", perhaps on the seventh floor, or higher, your superior, I think you...

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Yes.

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Okay. Without ... and this is the very ... this is the very last thing-----

Committee of Inquiry into the Banking Crisis: Nexus Phase (27 May 2015)

Marc MacSharry: Without naming names, or banks, or institutions, was there ever an instance that you would consider serious, that you were dealing with a bank on, that their retort was, "Leave it to me. I'm dealing with so-and-so"?

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