Pearse Doherty (Donegal South West, Sinn Fein) | Oireachtas source

I understand that. I am sorry to push this, but Mr. O'Connor made a lot of the fact that ISI has been able to introduce these protocols in a shorter time than has been done in other countries. In fairness, there have been a lot of successes, and some disappointments, with his agency. However, while this is about PIPs, the banks and the credit unions, there is a view that some PIPs are there to make money. It is a business for them. Some of them are quite large institutions. Some of them have their fingerprints on the economic collapse of this country. However, those affected by these protocols are debtors, those whom we represent. The question I have, which is not only about the steering committee, is this: what consultation has the ISI had with those who represent debtors on the front line? I refer to the not-for-profit organisations such as New Beginning and the IMHO which have emerged because they want to provide advice, support and legal assistance.