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Written Answers — Department of Finance: Insurance Costs (24 Oct 2017)

Michael McGrath: 25. To ask the Minister for Finance the status of the second phase of the cost of insurance working group on employer liability and public liability; the timeframe for the working group to come forward with recommendations; and if he will make a statement on the matter. [44693/17]

Written Answers — Department of Finance: VAT Rate Application (24 Oct 2017)

Michael McGrath: 46. To ask the Minister for Finance if the Revenue Commissioners have investigated allegations of certain practices in the poultry sector that led to a systematic excess of flat rate addition payments to farmers over VAT incurred on their inputs; if the Revenue Commissioners have found evidence of wrongdoing; and if he will make a statement on the matter. [44694/17]

Written Answers — Department of Finance: Corporation Tax Regime (24 Oct 2017)

Michael McGrath: 92. To ask the Minister for Finance further to Parliamentary Question No. 151 of 27 June 2017, if progress has been made in discussions with Brazil on its decision in September 2016 to add Ireland to its tax black list; and if he will make a statement on the matter. [44827/17]

Written Answers — Department of Finance: General Government Debt (24 Oct 2017)

Michael McGrath: 95. To ask the Minister for Finance the debt-to-GDP targets in each of the years 2018 to 2023, in tabular form; and if he will make a statement on the matter. [45013/17]

Written Answers — Department of Finance: Fiscal Data (24 Oct 2017)

Michael McGrath: 96. To ask the Minister for Finance the estimated net fiscal space less budget 2018 carryover costs and Public Service Stability Agreement costs per annum in 2019 to 2021, inclusive, in tabular form; and if he will make a statement on the matter. [45014/17]

Written Answers — Department of Finance: EU Budget Contribution (24 Oct 2017)

Michael McGrath: 97. To ask the Minister for Finance the EU budget contribution Ireland has made in each of the years 2011 to 2017; the estimated contributions for each of the years 2018 to 2021; and if he will make a statement on the matter. [45015/17]

Written Answers — Department of Justice and Equality: Insolvency Service of Ireland Data (24 Oct 2017)

Michael McGrath: 195. To ask the Tánaiste and Minister for Justice and Equality the number of appeals to the court regarding the rejection of an insolvency proposal by a creditor submitted to date in 2017 (details supplied); the outcome in each; and if he will make a statement on the matter. [45060/17]

Written Answers — Department of Justice and Equality: Insolvency Service of Ireland Data (24 Oct 2017)

Michael McGrath: 196. To ask the Tánaiste and Minister for Justice and Equality the outcome of protective certificates for personal insolvency arrangements to date in 2017; the number and percentage that were classified as yes vote/court confirmed, no vote and protective certificates expired respectively; and if he will make a statement on the matter. [45061/17]

Written Answers — Department of Justice and Equality: Insolvency Service of Ireland Data (24 Oct 2017)

Michael McGrath: 197. To ask the Tánaiste and Minister for Justice and Equality the number of personal insolvency cases commenced in 2017; the number that have been successful; the number that have failed; the timeframe to conclude these cases; the number of personal insolvency cases entered into the appeals process; the outcome of these cases; the time taken; and if he will make a statement on the...

Tracker Mortgages: Motion [Private Members] (25 Oct 2017)

Michael McGrath: I move:"That Dáil Éireann: notes that: — mortgage rates charged by banks in Ireland, in particular variable rates, continue to be among the highest in Europe; — the main Irish banks are now highly profitable again; — problems regarding how the banks were treating tracker mortgage customers were highlighted well before 2015 and at least 7,100 mortgage...

Tracker Mortgages: Motion [Private Members] (25 Oct 2017)

Michael McGrath: Hear, hear.

Tracker Mortgages: Motion [Private Members] (25 Oct 2017)

Michael McGrath: I thank every contributor to tonight's debate and acknowledge the work of every member of the Joint Committee on Finance, Public Expenditure and Reform, and Taoiseach, led by Deputy McGuinness, Deputy Pearse Doherty and others. The overall message from tonight's debate is that the nightmare has to end for thousands of mortgage customers, many of whom are dealing with this issue and carrying...

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: I am delighted to bring the Mortgage Arrears Resolution (Family Home) Bill 2017 before the committee for legislative scrutiny. The overarching purpose of the Bill is to protect the family home where the borrower is making a genuine attempt to meet his or her obligations. The mortgage arrears crisis is not going away. To the end of the second quarter of 2017, there still remained 73,706...

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: Money messages are outside our direct control, but we certainly need an answer on the matter. As the Deputy knows, this is not the only Bill that will require a money message to proceed. A feature of the current Oireachtas is that some good Bills are being held up due to the lack of a money message and this needs to be addressed. If we do not do anything, as I gather it the situation on the...

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: There is absolutely a basis for it. It has happened already and we will see more of it. We are all aware of the pressure the commercial banks are under to address what they call non-performing loans, NPLs. That pressure is coming from the ECB. A considerable number of loan portfolios have been sold, particularly buy-to-let loans. There is certainly a risk that we will see more of them,...

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: What was the last point?

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: That option can play a role, but we have been hearing for a long time about reforming mortgage-to-rent and having it introduced on a grand scale. David Hall's organisation has done good work on the issue and has made a lot of progress but many people will end up in the formal insolvency process. During the debate in 2012 when the insolvency legislation was being introduced initially, there...

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: No.

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: I have not yet seen them.

Joint Oireachtas Committee on Justice, Defence and Equality: Mortgage Arrears Resolution (Family Home) Bill 2017: Discussion (25 Oct 2017)

Michael McGrath: I thank Deputy Ó Laoghaire. Those are important questions. First of all, in respect of section 4 of the Bill and the power of the Minister to set out the prescribed levels of income and assets and so on, the intention is that it would mirror the reasonable living guidelines of the Insolvency Service. That can be made explicitly clear in the section. There is certainly no intention...

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