Paul Coghlan (Fine Gael)

That is the point. It has exposed the inadequacy of banks' lending practices in some cases, as we now know. Everybody accepts that the days of self-regulation are over. In the light of this I ask the Leader to outline the exact status of the Civil Law (Miscellaneous Provisions) Bill, which the last Government dropped. It is now reported that it will be restored to the Order Paper, if it has not already happened. That Bill provided for an independent legal ombudsman, but did not meet all the wishes of the recommendations of the Competition Authority. I ask the Leader to comment on the differences between the provisions of the Bill and the recommendations of the Competition Authority. Is it the intention to go the full hog and now meet those recommendations in the restored Bill if it is the Government's intention to restore the Bill? I look forward to the Leader's clarification on the matter.