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

Mr. Molan might put that word into his report and see if the issue can be explained to the powers that be.

Senator O'Donnell referred to micro-finance. The credit unions were set up for that purpose in the first place. I call it the penny bank. Do the witnesses feel that there is an obligation or a corporate social responsibility to carry some of those accounts? The credit unions might only make €35 a year, but it might keep a person away from the money lenders. Mr. Molan has explained that issue. The credit unions do not mind doing that.