John McGuinness (Carlow-Kilkenny, Fianna Fail)
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Apologies have been received from Senator Higgins.

In today's session, the committee will meet representatives of the Redress Focus Group for Banking and Insurance on the topic of defective block redress. I welcome the witnesses to the meeting: Mr. Patrick Sharkey; Mr. Seán McCabe; Ms Sarah Shovlin; and Ms Donna McDade. I understand that each will make an opening statement.

I will remind members and our witnesses about privilege. They are covered by privilege when they are in Leinster House or its precincts. Those who join us remotely will only have limited privilege. Members are reminded of the long-standing parliamentary practice to the effect that they should not comment on, criticise or make charges against a person or entity outside the Houses or an official either by name or in such a way as to make him, her or it identifiable.

I call Mr. Sharkey.