Eoghan Murphy (Dublin Bay South, Fine Gael) | Oireachtas source

Yes, but it is not underwriting them. It does the due diligence and the financials. The credit committee makes the decision. We need to make sure each credit committee applies the rules in a consistent way when it is making decisions. There is a need for consistency among local authorities. This is not the only area in which they are inconsistent. We can achieve consistency with the Rebuilding Ireland home loan because it is a simple and straightforward product. I have had meetings on it. An independent assessment is happening now. We are working with the Department and people outside the Department to see how we can achieve that consistency.