Section 14, The Banking Act, 2019

(1) Where the Central Bank is satisfied that a person hasaccepted deposits in contravention of section 13, the Central Bank shall direct that person to repay all the deposits obtained and all profits accruing to that person or assets acquired as a result of the illegally obtained monies or deposits, including any interest or other amounts which may be owed by that person in respect of those deposits or monies- (a) to the respective persons from whom deposits have been obtained; (b) in the manner and in accordance with the instruction of the Central Bank; and (c) within the period of time imposed by the (2) A person who refuses or fails to comply with a directive under subsection (1), shall be deemed to be unable to pay its debts, or adjudged bankrupt and the Central Bank may appoint a liquidator.