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Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: Gabhaim buĂ­ochas leis na finnĂ©ithe as teacht os comhair an choiste. I look forward to our engagement. I thank the witnesses for taking the time to come before the committee. My first question is for the ESRI. With regard to the model, Dr. de Bruin stated that the results show that the proposed carbon tax increase has the potential to reduce emissions by approximately 16% by...

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: In the interests of clarity, what is that 16% based on? Is it that people just cannot afford it? Is that what Dr. de Bruin means.

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: I am thinking of those people who do not have the means. I do not mean this in an argumentative way; I am just trying to figure it out. I am referring to people I deal with. I wonder what type of people Dr. de Bruin is referring to. Is she talking about a certain class of people? I just do not know how the people I deal with will be able to make a switch.

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: That is interesting. What does the ESRI consider constitutes long run? What is the period in people's heads? This is now a situation whereby people have to think it will be long term. How does the ESRI categorise that?

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: I thank Dr. Farrell for that. It is interesting. I have another question for the ESRI regarding modern methods of construction, MMC. A recent ESRI report noted the contribution a transition to MMC could make towards less wastage, lower carbon emissions, less commuting, less pollution and so on. It is an area I am interested in but little progress has been made on it. The Department of...

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: Okay. That would be great. It is an area I have a particular interest in. I did not want to let the opportunity pass. I thank Dr. de Bruin for that.

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: It is very important to our delivery of housing, in addition to meeting our climate targets. If any of the CCAC representatives want to jump in on any of the previous questions, be my guest. Do they want to do that or should I continue?

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: Everybody is trying to help and so on but I see it from the perspective of my constituents who are living in social housing. I want retrofitting as quickly as possible for all such people. I see people with chronic obstructive pulmonary disease living in houses that are freezing, with windows that do not even fit properly. I know a woman who is reliant on an old range. The house was built...

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: I am also quite interested in the fact it is only three floors. Does the CCAC have a proposal on how high it should go? Does it agree with other countries? Has it made a proposal in that regard?

Committee on Budgetary Oversight: Report of the Commission on Taxation and Welfare: Discussion (Resumed) (1 Mar 2023)

Mairéad Farrell: I thank Ms Donnelly. I apologise to the Chair, but I have to attend another meeting. I thank everyone for coming.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: I also thank the witnesses for the work they do. I know first-hand the impact it has had on people's lives. Mr. Hall mentioned how this issue impacts on people's lives. Sometimes, when we talk about issues at committee, we do not think about the real life impact they have. One of the witnesses said how much more acute this is becoming. We know all the different pressures people are...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: I take the point regarding how debt is a cloud for people and how it paralyses them with fear because they do not know how to deal with it or are too terrified to do so. That is a powerful point. Mr. Kissane is saying that we do not need to give more powers to the Central Bank for enforcement but what we need to do is increase competition and I take that point. What work can this...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: We are talking about two separate issues now. My question was for Mr. Kissane on increasing competition. That said, I take Mr. Burgess' point about primary legislation. Indeed, I was going to ask a question about that but Mr. Burgess has given me an answer. I take his point about primary legislation but it does not answer my question about increasing competition.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: It was Mr. Kissane who said that our focus needs to be on increasing competition in the market, which is why I was asking-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: I understand that but what I am asking is-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: Obviously I am aware of that but Mr. Kissane mentioned increasing competition, which is why I posed my question. I totally take Mr. Burgess's point on that and on the primary legislation. That is a very good point and is something that this committee can take on board.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: Do the witnesses have any international examples as to how the regulation of the regulator or central banks works in other jurisdictions?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: I take that point and that is definitely something we can examine and raise with others. That is really welcome and it is something that we will have at the back of our minds the next time we meet representatives of the Central Bank. On the question of regulating the regulator, as mentioned by Mr. Hall, do any our guests have an international perspective on that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: I was struck by something Mr. Hall said. The other witnesses may have mentioned it as well. I always think that if the people on one street or in one neighbourhood spoke to each other and told each other the issues they were going through when it comes to things like this, and if people knew how much it impacts others across their communities, they would feel a lot less alone. I take the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Investment Funds: Discussion (1 Mar 2023)

Mairéad Farrell: It was Mr. Kissane who raised the competition issue. Mr. Burgess is answering as if I brought it up out of nowhere. Mr. Kissane said it and I just asked a question, that is all.

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