A total of €683 million has been paid out to customers affected by the tracker mortgage scandal.
The Central Bank’s final report into the controversy shows just over 40,000 people were denied cheaper interest rates on their mortgage.
The regulator says the scale of the banks' failings caused "immense distress and damage" to affected customers and their families.
98% of those impacted have now received redress or compensation, according to the report.
99 private homes were lost by customers as a result of the scandal, as well as 216 buy-to-let properties.
In May the Central Bank took its first enforcement action as part of their examination into the scandal, fining Permanent TSB €21 million for regulatory breaches.
'Enforcement investigations' against the other main lenders are continuing.
Derville Rowland - the Central Bank's director general, financial conduct - said the scale of lenders’ tracker mortgage failings was "industry-wide".
Image: Central BankShe observed: "It required an unprecedented regulatory response in the shape of the Tracker Mortgage Examination, the largest, most complex and significant consumer protection review the Central Bank of Ireland has ever undertaken.
“The examination revealed the unacceptable damage that misconduct can cause to consumers up to and including the loss of their homes and properties in some cases."
She added: "Our message today - to all the firms we regulate - is very clear: Where firms fail to protect their customers’ best interests, our response will be robust and the consequences will be serious.”
The Central Bank says it will continue monitoring the outcome of any complaints, appeals and court cases linked to the tracker scandal.
Susan, who was put on a tracker by Ulster Bank, said she’s still being left in limbo.
Speaking to Newstalk's Stephen Murphy, she observed: "My life would have been absolutely different if my mortgage repayments had have been in line with what I agreed with the bank.
"Life would have been different and a lot easier, back when times were hard for everyone... It would have changed my life."
