There are, from time to time, things which Government can do to improve the general access to funds of credit institutions and other entities, with a view to assisting the efficient operation of the market, and the availability of choices for consumers. A recent example was the development and passage of legislation allowing for the issue under Irish law of asset covered securities. This legislation has not yet been availed of by Irish domestic mortgage lenders, but one international bank has pioneered the first issues of such securities and proved the concept as a viable one, which is available to credit institutions, among other funding options.