Irish Banking & Other Fraud s — Frequently Asked Questions
Answers to the most important questions about the Banking Inquiry, Protected Disclosures, Central Bank failures, court records, GDPR, and unlawful repossessions.
Q:Did Senan Allen interview corroborative witnesses?
No. Please read the evidence on the Research page.
Q:Did Senan Allen research the Protected Disclosures related to the Central Bank of Ireland?
No. Please read the evidence on the Research page.
In his own words in transcripts he did not investhate the cnetral bank of Irlenad disclosures or interview corroborating wintesses.
Q:Did the former Governor of the Central Bank, Mr Patrick Honohan, indicate that Ms Morris' Protected Disclosures were credible?
Following a face-to-face meeting with Ms Morris on 17 October 2015, Mr Honohan reported back to the facilitator that the Protected Disclosures raised by Ms Morris were credible. He later alluded to the inadequate questioning of bankers in the Banking Inquiry in his book Currency and Credit.
Q:Did testimony from any former Senior Executive of the Central Bank support Ms Morris' Protected Disclosures?
Yes. Testimony from Mr Frank Browne, former Head of Financial Stability, supported and aligned with Ms Morris' Protected Disclosures along the following themes:
- Evidence suppression & withholding of documentation
- Liquidity Risk Misrepresentation
- Regulatory Capture & Culture of non-transparency
- Impact on Banking Inquiry integrity
Q:Was Ms Morris retaliated against by the Irish Civil Service?
Yes. Please read the documented examples on the Retaliation page.
Q:Was a false affidavit sworn by the Dáil Clerk, denying such retaliation, filed in the High Court?
According to our research and review of evidence, there are clear examples of retaliation. Mr Peter Finnegan, as Dáil Clerk, did swear a false affidavit, facilitated by either the State Claims Agency or the law firm representing the Houses of Oireachtas, or both. The affidavit was concealed from Ms Morris for six years. This is evidenced.
Q:Did Ms Morris prepare a comprehensive rebuttal to the Senan Allen Report?
Yes. The response can be found on the Research page.
Q:Did any Member of the Joint Committee of Inquiry refute the findings in Ms Morris' response to the Senan Allen Report or Senator Marc MacSharry's email of 8 September 2015?
No.
Q:Was there ever a comparative report comparing the IMF and OECD reports to Ms Morris' Protected Disclosures?
An AI-generated comparison report was prepared. While the IMF and OECD were not provided access to Ms Morris' Protected Disclosures, their findings did validate the themes she raised:
- Independence/accountability vs regulatory capture
- Under-resourcing of oversight bodies
- Transparency and data gaps
- Sidelining of dissenting voices
- Weak outcome measurement
Q:What is the background of Ms Morris?
Ms Morris is a Solicitor who qualified in Ireland in 1992 (non-practising). She is also a Member of the New York State Bar (1995) and licensed in England & Wales (2005). She was the former Head of Legal for Bank of Ireland Global Markets and GE Financial Markets. Her specialisms are capital markets and derivatives law, having provided services to numerous global banks including Citigroup, Standard Chartered Bank and UBS.
Given her expertise and the frauds identified in the Bank Confidential Report, her professional reputation was required to be annihilated by Mr Senan Allen, who was instructed to find no substance to Ms Morris' disclosures. Official transcripts demonstrate Allen's lack of investigation and his disregard for interviewing corroborative witnesses — confirmed by a Joint Committee Member in writing.
Q:How significant is the Bank Confidential Report?
The Bank Confidential Report — "Interest Rate Swaps & Fixed Rate Loans, Hidden Credit Lines, Mis-Selling or The Largest Financial Fraud Ever" — was presented at the Palace of Westminster on 13 November 2025 at an event coordinated by the Transparency Task Force. It describes the fraudulent sale of swaps by many banks in incredible detail and was endorsed by financial experts, whistleblowers and victims of the frauds.
Q:Was there a redress amount mentioned for victims?
The Financial Times Adviser referenced a sum of £50 billion in relation to this matter.
Q:Is there a concise summary of the Bank Confidential Report?
A summary of the BC Report is available on request. Please use the contact details below.
Q:Who endorsed the Bank Confidential Report?
The report was endorsed by financial experts, whistleblowers and victims of the frauds who attended the Palace of Westminster event on 13 November 2025. A list of endorsers is available on the Ulster Bank page.
Q:Was the Central Bank of Ireland effective in regulating banks before and after the crash?
Independent testimony, including from former Central Bank official Frank Browne, indicates serious shortcomings — especially around liquidity risk and documentation transparency. This aligns with Ms Morris' Protected Disclosures about suppressed and redacted evidence during the Banking Inquiry.
Q:Why were key documents withheld or redacted during the Irish Banking Inquiry?
According to Protected Disclosures and whistleblower accounts, internal Central Bank evidence was heavily redacted or not supplied to investigators. Information around the bank guarantee decision in September 2005 was heavily redacted, with evidence now emerging of certain banks disclosing to customers that they were in a liquidity crisis as early as 2005.
Q:Can the Central Bank of Ireland be held accountable for regulatory failings?
Victims and their representatives can file formal complaints, seek judicial review, or pursue litigation.
Q:Did the Central Bank of Ireland know about the fraud before 2012?
According to our research, the Central Bank was informed in 2012 and was still denying the existence of fraud as late as September 2023. With hundreds of customers in courts with fraudulently sold loan products during this period, questions remain about how many assets were lost in that time. See the Documentation page for further evidence.
Q:Is it difficult to access court records?
Research indicates Courts and Court Services may generate misleading messaging or provide incomplete access to files, complicating efforts to obtain full and accurate documentation.
Q:How do I request copies of my court records?
See the Irish Courts page for guidance on navigating potentially misleading messaging from court services, as they may attempt to deny your request.
Q:How do I request a copy of my DAR (Digital Audio Recording) from court hearings?
See the Irish Courts page for a step-by-step guide to requesting your DAR.
Q:Is there a scenario where judges in Ireland hear cases involving their former firms or clients?
Evidence suggests that conflicts, or perceptions of conflict, may exist in certain cases — especially relating to banks and their alleged assignees. According to our research, certain judges have significant professional ties, yet self-recusal is rare and this presents enormous challenges for litigants.
Q:Do vulture funds actually own the mortgages they are pursuing in court?
This is a critical