Pearse Doherty (Donegal, Sinn Fein)
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I appreciated the witnesses coming before the committee and telling their stories. Some are before the committee for a second time.

I will begin with Mr. Butler. I thank him for his opening statement. In it, he said some banks will only advance Covid-19 loans to customers reclassifying themselves as non-consumers, thus enabling banks to use unfair terms and avoid tracker examination by failing to retain historic interest rates. Can he clarify and expand on that statement?