Kieran O'Donnell (Limerick East, Fine Gael)

To clarify, will the rate to be applied to the group of credit unions coming together be subject to negotiation? How is it proposed to deal with the matter? There is an anxiety there and I appreciate the Minister referring to the fact that the credit union movement may not have a consistency of thought. There is anxiety among many smaller credit unions, which we represent, because of the potential level of charge. Will the Minister elaborate on whether it will be subject to further review by him?

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