I am concerned about the capacity of the Oireachtas to oversee the effectiveness of these bodies and I wonder if they will have the resources to do what is required of them. I propose this amendment because of the considerable anxiety within the credit union movement. I ask that a two-year review be carried out to investigate whether the system works and whether the Central Bank has delivered on consumer protection, whether the bank is providing proper consumer information or whether there is real competition in the financial services sector rather than the kind of cartel approach that operates at present, under which there is little difference between anything on offer from one bank as against another. A marginal increase or reduction in interest rates by one institution is inevitably followed by the others.