Richard Bruton (Dublin North Central, Fine Gael)

I welcome the Minister's indication that his guidelines will cover declined cases. We would like to know a little more about the guidelines. He spoke at considerable length about many interesting topics but few of them dealt with the credit guidelines. We need to see some firm indication of the character of the guidelines he is proposing. Specifically, I would like information on the reporting arrangements. Will Mazars be reporting to a format that the Minister specifies and that the banks comply with to provide the information in accordance with the specification that he lays out in order to get accurate information?

The Minister repeatedly says that homeowners are a different matter. However, here he takes a position that he believes that those who go to receive credit from the banks should be subject to the guidelines he sets out. I do not for the life of me see why he should not also state that homeowners who are in certain difficulties with the banks should have a certain manner of support and that this should develop from the one-----

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