John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

I understand that, but it still remains a fact that, according to the Bank of Ireland when it appeared before us, there are not sufficient repossessions to convince the market that debts or loans are safe and protected and the expectation is that there will be an increased number of evictions this year. Those people end up on council housing lists, so the whole thing goes around in a circle. Is there a section in the Department that is examining the possibility of a new agency or new legislation or of allowing the Housing Finance Agency and the voluntary housing sector to take over some of this debt? We own the banks. Can we influence how they deal with the substantial debt that exists at that level and keep people in their homes?