Mr. Brendan Burgess:

On the Cooney group in 2010, we raised the idea of a protocol for unsustainable mortgages. We ran out of time, we did nothing on it and nothing has been done since. However, that protocol would cover the relationship between the borrower, the bank and the local authority. It was our recommendation that this statutory instrument be brought in that once a mortgage is deemed unsustainable, they can then have their housing needs assessed.