Credit unions are another focus of legitimate concern about which the Minister of State has spoken at length. Most accept that there were gaps in the regulation information. I was intrigued by the Minister of State's speech. I know he has up-to-date information. He has said there are 438 credit unions. The report for the year 2000 of the Registrar of Friendly Societies is the last available from that body. How can there be proper regulation if the information available to the Oireachtas is almost three years out of date? That is an argument for a new look at the regulation of credit unions.