Michael McNamara (Clare, Independent)
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I have two questions. There are a lot of accounts floating about of loan approval being withdrawn for persons on the pandemic unemployment payment. Does Mr. Makhlouf have any more than anecdotal evidence of that and, if so, is it a concern? Perhaps he would answer that question first.

Does he think that the 2015 regulations on SME lending are adequate, in particular access to an independent appeal quickly? I refer to the period within which one can access that independent appeal and the independence of the appeal process to a refusal of credit.