Mairéad Farrell (Galway West, Sinn Fein) | Oireachtas source

I take the point regarding how debt is a cloud for people and how it paralyses them with fear because they do not know how to deal with it or are too terrified to do so. That is a powerful point.

Mr. Kissane is saying that we do not need to give more powers to the Central Bank for enforcement but what we need to do is increase competition and I take that point. What work can this committee do on that? What other entities are relevant here? The witnesses will be aware of which entities come before this committee. What do we need to be saying to them, if increasing competition is what we need to focus on?