Mary Lou McDonald (Dublin Central, Sinn Fein)
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With regard to the transparency surrounding the arrangements or solutions that are tabled between a borrower and the financial institution, and there will be scenarios that are acceptable and can fly while others are rejected and so forth, the Free Legal Advice Centres, FLAC, agency has been very critical of the fact that there is no database that sets out in substantive terms the nature of those arrangements, those that are accepted and reach viability and those that are not. What is the Governor's view on the concept of such a database, why is it not there and does he propose to do anything about that? FLAC has also raised a second, crucial issue, the effect of these agreements and arrangements on people over a period of time, that is, how it affects their quality of life and so forth. Perhaps the Governor would comment briefly on that.