That will mean that this cannot be fully ratified until 2015, which will have implications for other European member states, as well as implications for the business sector, but that is a different debate.

The last piece is No.93, which introduces legislation to cater for the sale of loan books by regulated financial institutions to unregulated financial institutions. Is this a typographical error? It states in the list that the Bill is not expected for publication until 2015. The words "horse", "stable", "door" and "bolted" come to mind. These loan books are being sold as we speak by regulated financial institutions to unregulated financial institutions, and people are seriously worried about that. I hope that the Government has plans at least to publish this legislation during this session.

It is not listed for publication until next year, as the Deputy is aware. There were 61 contenders for publication in this session. There used to be three sessions in the Dáil year, but there are now just two. There are 41 Bills in the list and it is pretty crammed as it is. The work is ongoing in that area. The Deputy is right in that sales are taking place, but at the moment it is listed for next year.