Billy Kelleher (Cork North Central, Fianna Fail) | Oireachtas source

Approximately 145,000 families are in mortgage distress. Looking for scapegoats or pointing fingers is not a solution for those families who are watching this debate and hoping a solution will be found. Even at this stage, is it possible to include something in the code of conduct that would, at least, allow independent oversight and evaluation of proposals for sustainable solutions? It is completely on the side of the banks and anyone with common sense will realise that they will become aggressive in repairing their distressed mortgage books.

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