The core issue raised by the Senator and touched upon by Senators Ryan and Quinn relates to the Government's decision to integrate prudential supervision with consumer protection which should be distinct policy objectives. As the Senators pointed out, the Central Bank is responsible for prudential supervision of financial institutions operating in the State such as banks and building societies, while the Department supervises the insurance industry. The Director of Consumer Affairs has certain responsibilities under the 1995 Consumer Credit Act. Due to legal and confidentiality requirements, there has been a well highlighted difficulty in the full exchange of information between regulators. I am sure Senator Ryan would enjoy that justification.