Seán Canney (Galway East, Independent)
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I will finish on the credit unions. There is the League of Credit Unions but there are also individual entities, wherever they are. In my constituency there is St. Jarlath's Credit Union, which covers Tuam, and there is a large hinterland comprising Athenry, Gort and Galway city. There is also Naomh Breandan Credit Union in Loughrea. They all work as entities on their own. Is that a difficulty for them trying to get regulation in a way they can compete on a mortgage level, for instance?