Irish Banking Fraud — 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.
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.