Michael McGrath (Cork South Central, Fianna Fail)
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I welcome Ms McKiernan and Ms Byrne and thank Ms McKiernan for her opening statement. I will start by asking her about an issue that is consistently raised by the movement, that is, tiered regulation. The movement argues strongly that although tiered regulation was a feature of the Commission on Credit Unions, it has not happened yet and that the one-size-fits-all style of regulation which is being applied to the sector is hampering its development and growth.

How would Ms McKiernan respond to that?