Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

This relates to SMEs. At present, a dual track or dual process is under way where people can appeal a credit decision by a participating institution to a credit reviewer, while at the same time submitting a complaint regarding the conduct to the FSPO. The section seems to clarify that the complainant may not make a complaint to the FSPO and it may not investigate the complaint in circumstances where the credit reviewer has already issued an opinion to the complainant. The text in the explanatory memorandum is a wee bit contradictory. Maybe that is just my reading of it. I am looking for clarification on this. Obviously, the credit reviewer or the credit review office is something we want people to go to. It is non-binding, but can people go to a credit reviewer and if they are not happy with that decision, can they take a case to the FSPO after this legislation is passed? I ask the Minister of State to clarify that in order that we have clarification regarding section 12.

See this speech in context