The Bill provides for very clear functions of accountability which the proposed authority and the director of consumer affairs in that authority will have to the Houses of the Oireachtas. There is a clear delineation of the functions between the authority, the Director of Consumer Affairs and the registrar of credit unions, all of whom must produce plans and policy objectives which will be integrated into an overall strategic plan to be approved by the Minister. That is how the Government has addressed this issue and I thank the Senator for allowing me the opportunity of putting that on the record.