Áine Collins (Cork North West, Fine Gael) | Oireachtas source

I agree with the Minister. However, by the time people are refused by the bank they baulk at the thought of going to the Credit Review Office. They seem to give up. I ask if the system can be activated at an earlier stage. We had a conversation in Brussels about this problem.

On the one hand, we are telling the banks to lend money and, on the other, telling them they must submit to tighter regulation and be more risk averse. Is there scope for new, more innovative methods of financing?