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Written Answers — Department of Education and Skills: School Costs (18 Oct 2016)

John McGuinness: 251. To ask the Minister for Education and Skills if he will address the huge disparity in school costs which exists form school to school throughout the country and the inequality faced by parents in having to provide funding for a free primary education system, as costed by a charity (details supplied) at €103 million. [30551/16]

Written Answers — Department of Social Protection: Carer's Allowance Applications (20 Oct 2016)

John McGuinness: 146. To ask the Minister for Social Protection if an application for carer's allowance in respect of a person (details supplied) will be assessed and granted immediately. [31273/16]

Written Answers — Department of Health: Hospital Appointments Delays (20 Oct 2016)

John McGuinness: 215. To ask the Minister for Health the reason for the delay in arranging an operation in respect of a person (details supplied); the reason an appointment arranged by Waterford Regional Hospital in a letter was not acted upon; the reason the numerous letters written by the person's general practitioner were not acknowledged; and if he will expedite the matter. [31221/16]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: We are now dealing with the scrutiny of the Central Bank (Variable Rate Mortgages) Bill 2016, which is Private Members' business. I welcome the Minister for Finance, Deputy Michael Noonan, Mr. John Fitzpatrick, Ms Emma Cunningham and Mr. Leonard Wall. In accordance with Standing Order 141(2), the select committee is scrutinising the provisions of this Private Members' Bill, in the name of...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: We will have the opinion of the European Central Bank before we meet representatives of the Central Bank. We will be seeking our own legal opinion on the constitutionality of the Bill. We will deal with both those items. Do members have any questions?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: The Deputy has put his finger on it so off he goes.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: New politics. We have heard it here.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: It is a precedent. Deputy Paul Murphy is raising questions that he is putting to the Minister. Some of those questions are for the Minister to answer. On the Bill and the approach, Deputy Michael McGrath is more than willing to answer some of the questions. As we have not gone through this process before, it is new politics and the Minister and Deputy Michael McGrath will have to share...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: Does Deputy Sherlock wish to comment?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: I want to return the focus to Deputy Michael McGrath's Bill. In his opening remarks the Minister said that the intention behind the Bill is to help people with mortgage repayments. Essentially, that is what we are talking about. Having listened to the Minister and the general debate on the Bill it would appear to me that the banks are continuing to screw particular mortgage holders, that...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: We have to move on.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: Yes, but please remember that the Minister has to leave soon.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: Yes, Minister.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: The Minister is under time pressure. Has the Senator a question for him?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: I suggest the Senator asks the Minister her question first.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: I want to facilitate the Minister.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: Senator Horkan has one question for the Minister. I suggest the Senator asks his question and then Senator Conway-Walsh can resume her contribution.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: The Senator is delaying his Minister who may give out to the Senator afterwards.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: I thank the Minister and his officials for attending this meeting. I want to underline my own views in so far as supporting this Bill is concerned. Individuals and families out there are suffering greatly because of the attitude of the banks to providing assistance to solve problems between banks and borrowers. Some of them are unhelpful to a degree. It is almost impossible for some...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank (Variable Rate Mortgages) Bill 2016: Discussion (20 Oct 2016)

John McGuinness: Of course.

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