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Background and Context


Department of Finance Banking Review

The IBCB participated in the Department of Finance ‘Future of Banking’, review of retail banking and submitted a response to the consultation. Our submission focussed on those aspects of the consultation which are core to the purpose and activities of the IBCB and focussed on promoting positive behaviour and culture in banking for the benefit of bank customers, staff and wider society.

In November 2022 the IBCB welcomed the publication by the Department of Finance of its report on the Retail Banking Review Consultation and expresses its appreciation for the opportunity to engage with the consultation process. The IBCB looks forward to reviewing the report’s recommendations and to discussing their implementation in consultation with the Department and wider stakeholders.


The IBCB responded to the Central Bank of Ireland (CBI) consultation pro-cesses on the CBI’s Strategic Plan review and Stakeholder Engagement review.

Additionally, the IBCB responded to the Decision Support Service consultation on the Code of Practice for Finance Professionals for the Assisted Decision-Making Act (ADMA) and to the Oireachtas Joint Committee on Children, Equality, Disability, Integration and Youth on the General Scheme of the Assisted Decision-Making (Capacity) (Amendment) Bill 2021. We look forward to the launch of the ADMA and the Decision Support Service, which will enable some customers to manage their own finances or to avail of specific supports to help them manage finances.

In October 2021, the IBCB responded with a submission for the Pre-Legislative Scrutiny of the General Scheme of the Central Bank (Individual Accountability Framework) Bill 2021 to the Joint Committee on Finance, Public Expenditure and Reform, and Taoiseach. Individual accountability is a cornerstone of positive behaviour and culture. The IBCB and each of our five member banks are strong advocates for the introduction of an effective accountability regime in Ireland, similar to that in successful operation in many other jurisdictions globally.