Martin Cullen (Waterford, Fianna Fail)

I have just outlined to the Deputy that I wish to ensure that vulnerable people — the small but important cohort who are caught in this situation — have broader credit options and access to the legitimate system. I wish to ensure at the same time that if we take action in the financial market, the benefit is felt directly by those for whom we are making the changes. There is no point in changing the name over the door, so to speak, but allowing the same operator to do the same thing with the same outcome in what is simply a different way.

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