Michael McGrath (Cork South Central, Fianna Fail)
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I thank the Minister for his response and for going through the elements of the Private Members' Bill that have and have not been incorporated here. The Bill we proposed was an honest effort to put the spotlight on the issue and was by no means the finished article.

Do the Minister's amendments comprehensively deal with the issue of firms that provide household budgeting services? There is considerable emphasis on debt management and debt advice. However, for example, Home Payments Limited was not dealing with debt but was merely taking a weekly payment and discharging a person's bills. Is that dealt with under the money transmission services?