Brian Hayes (Dublin South West, Fine Gael) | Oireachtas source

I may be able to help the Deputy understand the bigger thing we are trying to achieve if I return to the point raised by Deputy Dooley. The credit score is the key issue here. As I stated, this is giving us the legal basis to produce the credit score. The Deputy made a valid point when he stated that the scheme of the credit score was not contained in the legislation. Obviously, it will have to be signed off by the Minister for Finance, because he is the person who makes the regulations, following the considerations of the bank.

The bank would have a view on that issue also. I suspect there will be scope for much greater clarity once the regulations on the credit score are fleshed out in greater detail. We will probably take into account Deputy Pearse Doherty's point on the credit score. It could be well highlighted in it.