The Competition and Consumer Protection Commission said that while non-bank lenders have brought some new products to the market, there has been no entry by a full-service banking provider and no indication such an entry is likely in the near future.
Chief among them is a suggestion that the Central Bank of Ireland’s mandate be extended to include competition objectives. "There is some frustrations out there on that process so we do think lessons can be learned and that can be improved in terms of the consumer experience," Mr McHugh said. "The CCPC recommends that a revised Consumer Protection Code should mandate mortgage providers to offer the same rate or equivalent best rate to a consumer at the end of an initial fixed term," it says.
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