Thomas Byrne (Fianna Fail)

What the Minister describes would be achieved if there were an obligation on the financial institution, the mortgage lender, to enter into one of these alternative repayment arrangements. There is no such positive obligation. I agree they have to be nice and think about all the aspects of the case and engage with the borrower. There is an obligation on the vulnerable borrower, but not on the banks, and it is the same old story.