Rose Conway Walsh (Sinn Fein) | Oireachtas source

I understand that. We do not need to engage in an exercise on how the system works. I am concerned that these proposals may result in additional pressure on the banks. I recognise their merits on a macro level but I am concerned about how we can ensure that the banks have proper and meaningful engagement with borrowers at an earlier stage. How do we make sure that is done rather than what happens at the moment in terms of avoidance and people being unable to contact their banks or have meaningful discussions?