We await a report from either the Department of Enterprise, Trade and Employment or the Department of Finance. There is a strong possibility that it will make a proposal for the demutualisation of building societies. The House should have a debate on this before the Government takes any decision. We should seek to protect the nature of mutualisation where it still exists. People seeking loans from building societies should be assured that they are dealing with a mutual society that will look after their business, rather than with profiteers.