John McGuinness (Carlow-Kilkenny, Fianna Fail)
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I have seen SBCI applications being refused by a bank. The customer goes to the CRO, which finds in his or her favour but the bank still says "hump off, you are not getting a loan". We are talking here about community banking and the model already exists in the form of the credit union movement. Mr. Casey is the person in charge of credit unions, is that correct?