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Joint Oireachtas Committee on Transport and Communications: Shannon Aviation Services and Miscellaneous Provisions Bill 2013: Discussion (16 Oct 2013)

Kieran O'Donnell: Who does Mr. Pakey see as being our main competitor? Who are Shannon's main competitors?

Joint Oireachtas Committee on Transport and Communications: Shannon Aviation Services and Miscellaneous Provisions Bill 2013: Discussion (16 Oct 2013)

Kieran O'Donnell: Yes.

Joint Oireachtas Committee on Transport and Communications: Shannon Aviation Services and Miscellaneous Provisions Bill 2013: Discussion (16 Oct 2013)

Kieran O'Donnell: In summary, Mr. Pakey is saying the fundamentals in running an airport are the same whatever the location. Specifically with regard to where Shannon Airport is located, what does Mr. Pakey see as being the major challenges for the airport in the next three years?

Joint Oireachtas Committee on Transport and Communications: Shannon Aviation Services and Miscellaneous Provisions Bill 2013: Discussion (16 Oct 2013)

Kieran O'Donnell: Mr. Pakey has made great strides in a short period of time.

Joint Oireachtas Committee on Transport and Communications: Shannon Aviation Services and Miscellaneous Provisions Bill 2013: Discussion (16 Oct 2013)

Kieran O'Donnell: I thank Mr. Pakey.

Joint Oireachtas Committee on Transport and Communications: Shannon Aviation Services and Miscellaneous Provisions Bill 2013: Discussion (16 Oct 2013)

Kieran O'Donnell: And Limerick.

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: In layman's terms, what types of credit institutions will the Bill apply to?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: The point I am making is that I see this as a good measure but I would like to know whether it applies to credit unions, banks and moneylenders.

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: Does it apply to hire purchase companies and leasing companies?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: Is there any area where people conceivably receive credit that operates outside the law?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: Can unlicensed moneylenders operate in Ireland?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: Before we move on, is it possible to speak on the section?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: To clarify, is it proposed to deal with the amendments and then go through the sections?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: I seek clarity on the interpretation section and the definition of the credit score, which is mentioned on line 24 of page 6 and states that credit score, "in relation to a credit information subject, means a numerical or alphanumerical value assigned to the credit information subject, on the basis of information ...". In layman's terms, the credit score refers to the risk rating attached to...

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: The big issue for me is people's credit ratings. Currently, some people's credit ratings are adversely affected by their debts and this is like a millstone around their necks. For what period will this credit score be on record and when can a person get a clean bill of health in regard to their finances?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: Is that similar to the provisions for the Irish Credit Bureau?

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: It is a relatively long period of time.

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: This is something that will be looked at in terms of the regulations, but it is a concern currently for ordinary people and no doubt the Minister of State is aware of that.

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: I wish to offer two points on amendment No. 29. I understand Deputy Dooley is talking about how the rating or credit score would improve as the years advanced.

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Finance: Credit Reporting Bill 2012: Committee Stage (23 Oct 2013)

Kieran O'Donnell: That is the point.

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