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Written Answers — Department of Children and Youth Affairs: Child and Family Agency Services (17 Oct 2017)

John McGuinness: 500. To ask the Minister for Children and Youth Affairs her plans for a protocol for Tusla to follow relative to its communication with its clients, foster families and so on; if the organisation can provide an efficient response to those that contact it and persons and families that deal regularly with its staff and social workers; and if she will make a statement on the matter. [43586/17]

Written Answers — Department of Rural and Community Development: Seniors Alert Scheme (17 Oct 2017)

John McGuinness: 535. To ask the Minister for Rural and Community Development his plans to introduce a home alarm monitoring system for the elderly in partnership with a service provider as part of budget 2018. [43595/17]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Business of Joint Committee (12 Oct 2017)

John McGuinness: We will go into private session.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Customer Experience (12 Oct 2017)

John McGuinness: I welcome Mr. Padraic Kissane, financial adviser, Mr. Thomas Ryan, Ms Helen Grogan, Ms Hazel Melbourne and Ms Niamh Byrne. The arrangement for this meeting is that Mr. Kissane will make an opening statement. After that, there will be a question and answer session and the various witnesses can make their contribution. Before I ask Mr. Kissane to make his opening statement, I remind witnesses...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Customer Experience (12 Oct 2017)

John McGuinness: There are no restrictions on the four people joining Mr. Kissane. If they wish to make their statements, they are more than welcome to do so. That is the purpose of the meeting. I agree with Mr. Kissane and applaud each of the delegates for being brave enough to come here, given how they have been treated by the banks. They will be respected here and receive a hearing. To answer Ms...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Customer Experience (12 Oct 2017)

John McGuinness: The Senator should finish her round of questioning.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Customer Experience (12 Oct 2017)

John McGuinness: I ask the Senator to remove his phone.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Customer Experience (12 Oct 2017)

John McGuinness: I thank Mr. Kissane, Ms Grogan, Ms Melbourne, Mr. Ryan and Ms Byrne for their contributions. It has come to this: we have to hear directly from customers in order to put a human face on a scandal that has been allowed to go on for far too long. I tend to agree with Mr. Kissane about external auditors and legal firms. Some way has to be found to hold them to account because they stood over...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Customer Experience (12 Oct 2017)

John McGuinness: Has everyone said their piece?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Customer Experience (12 Oct 2017)

John McGuinness: I thank the witnesses. We will suspend while we invite in our other guests.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: We are back in public session. We are dealing with matters relating to the banking sector in Ireland. Our witnesses for this session are Mr. Harald Felzen and Mr. Niclaus Bergmann from the Savings Banks Foundation for International Cooperation and individuals from Irish Rural Link. We will hear statements from both groups. We will hear separately from Mr. Seamus Maye from the Public...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: I thank Mr. Bergmann. Before I call Senator Conway-Walsh, I wish to clarify the relationship between Irish Rural Link and the bank. Is it Irish Rural Link that has made the application to the Central Bank?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: The Sparkassen foundation is just advising Irish Rural Link on this matter.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: There is no application directly to the Central Bank. Had Irish Rural Link had meetings with it?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: Separate to the bank and Irish Rural Link, Mr. Maye has an interest in the concept of public banking.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: Would Mr. Maye like to make a short statement before we continue?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: Could you clarify that answer? What if I went into your bank in Germany for a mortgage?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: Let us suppose I wanted to set my tracker mortgage for ten years. What would the interest rate be?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: When can you open the banks?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Savings Banks Foundation for International Cooperation, Irish Rural Link and Public Banking Forum of Ireland (12 Oct 2017)

John McGuinness: Yes, but you must be competing with other banks. Is that the case?

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