This might be as good a stage as any to deal with the more general argument which I think the Senator is pressing about the wisdom of combining the prudential regulatory function, a traditional function that has always been performed by the Central Bank, with the consumer protection function which it is now proposed to vest in the regulatory authority. In relation to that issue, which has occupied a good deal of the debate, the Central Bank has always been responsible for the prudential regulation of certain financial institutions operating in the State. The Department of Enterprise, Trade and Employment supervised the insurance industry, while the Director of Consumer Affairs had certain responsibilities under the Consumer Credit Act 1995 in relation to financial service providers, including responsibilities relating to charges and advertising.