Bernard Durkan (Kildare North, Fine Gael) | Oireachtas source

There is absolutely no reason that all banks cannot treat the customers in the same way, with particular reference to a code of conduct. Currently, the only code that is acceptable is the one the banks manufacture themselves. They become judge and jury. They put out the code of conduct. They tell the client, "Sorry, you do not comply; your loan is unsustainable." It was unsustainable from day one but there is no reference to that at all. That is the sad part of it. I strongly urge that we look carefully at the code of conduct. It will be of assistance. There is the question of splitting mortgages and all that can go with it as well. There is no reason it cannot be done. I ask the Minister that serious consideration be given to it.

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