IFSRAIrish Financial Services Regulatory Authority
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In addition, the IFSRA works with the Department of Finance to draft guidance for regulated institutions on combating and preventing terrorist financing.
The Portlaoise-based TD, who is an accountant by profession, says a possible conflict of interest may arise: "Some of the IFSRA people formerly worked for the Central Bank.
An Ifsra investigation is continuing into directors' loans at all banks covered by Government's guarantee.
Fianna Fail Senator Geraldine Feeney described the behaviour of the Ifsra board as pathetic.
AXA first came clean to IFSRA in December, when controversy about refunds emerged.
IFSRA said customers must examine their account needs as the charges vary from each bank and differ depending on the type of account used.
But IFSRA said a 36-year-old male smoker could still save over /10 per month on a 20-year /200,000 life insurance policy by shopping around.
IFSRA said: "An internal audit revealed a number of customers had agreed to a particular mortgage rate.
And the Irish Financial Services Regulatory Authority (IFSRA) accused some AIB managers and staff of withholding information.
The IFSRA found the bank has been illegally charging too much money from customers and they will not be fined a cent.
"Recent reports from the IFSRA (Irish Financial Services Regulatory Authority) High Court Inspectors clearly illustrate that there was something seriously rotten at the core of Irish banking for many years," he said.