Eoghan Murphy (Dublin Bay South, Fine Gael)
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A number of the issues raised by Deputy Cowen are matters for the Department of Finance and would need to be negotiated with them. Some are budgetary issues that might have to wait until the budget. I have begun informal discussions with the Minister and will formalise these in the coming week. I am afraid I cannot answer most of the Deputy's questions. He asked about credit unions, which is something that is being currently looked at. There may be a role they can play in some possible solutions. The bank veto on those in mortgage distress no longer applies.