The Central Bank of Ireland has updated the Consumer Protection Code for the first time in 13 years.  From March next year banks will have to clearly set out for homeowners how much they will pay for mortgages and what the options are in plain language - when they come to the end of their fixed rate period.  This new code comes despite the central bank disbanding the consumer protection division. With more on this Joe spoke to Derville Rowland, the Deputy Governor of the Central Bank of Ireland.