Jennifer Carroll MacNeill (Dún Laoghaire, Fine Gael) | Oireachtas source

That is a strong idea because the framework agreements that follow this legislation are where the detail is properly worked out. As I said, at every stage, we have tried to create an enabling environment and not be too prescriptive. There is a question of how that is dealt with thereafter. I recommend perhaps including the CUAC in that conversation. It is an ongoing advisory body and will be conducting the review to make sure the practicality of this works. The intent, as Deputy English said, is to make it work in as frictionless and seamless a way as possible from the perspective of the member, the resident or the citizen who is accessing financial services. If people's local credit union does not offer a service, they can be referred easily to another to avail of that service. It is already the case that a member of a credit union can already go to, for example, cultivate. That structure is already in operation for slightly different forms of lending, so parallel structures are already in being. It is really a question for the framework agreements and how that is done. I strongly encourage that conversation to be held beyond this legislation.