“Okay with that.” These are the three words written by David Guinane in response to an email 15 years ago that his lawyers say have landed the former PTSB CEO in front of a Central Bank inquiry. This Wednesday, that regulatory inquiry opened in public at the Central Bank’s headquarters in the Dublin docklands, with Guinane’s senior counsel describing him as a “scapegoat” of a “misconceived” charge that he participated in a contravention of financial services legislation at the bank. At issue is PTSB’s treatment of tracker mortgage customers from January 19, 2009 to April 2010, specifically whether the bank…

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