Was the Central Bank out for a scalp? Did it wish to make an example of former Permanent TSB boss David Guinane, today found to have partaken in the bank’s breach of consumer protection rules in respect of tracker mortgages back in 2009? If the answer was no, it was a “sad indictment” of the regulator that out of the entire tracker mortgage scandal involving multiple banks, 16 years later, it only managed to conduct an inquiry into the chief executive of one bank. That was the thrust of submissions made by senior counsel Tom Hogan, acting for the former…

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