Heather Humphreys (Cavan-Monaghan, Fine Gael) | Oireachtas source

I am referring to restrictions on top-up loans, not individual credit unions. A borrower who is in arrears will not be given a top-up loan and if a loan is restructured, the borrower will not be given another loan for perhaps one year. People cannot borrow to pay for everyday emergencies, for example, a funeral or vehicle repairs. The credit unions are being prevented from lending money in many of these circumstances and that must change.