Ivana Bacik (Independent) | Oireachtas source

No doubt he will make up for his absence. We are delighted to see him back.

I refer to the new Central Bank of Ireland code for those in mortgage arrears. The number of mortgages in arrears by more than 90 days - almost 100,000, or 12.3% of mortgages - is extremely worrying. It is particularly worrying when we see homeowners' mortgages in arrears. It is undoubtedly the case that action needs to be taken and it is welcome to see a code of conduct. We can make very valid criticisms where the code of conduct appears to be too easy on the banks but there are some very welcome measures in it and we need to have a reasoned debate on it in due course. I am not sure rushing into it with slogans and sound-bites today is the answer but we should take-----