Jennifer Carroll MacNeill (Dún Laoghaire, Fine Gael) | Oireachtas source

The latter is exactly what is proposed. Rather than forcing smaller credit unions to provide mortgages or current accounts in a way that may not suit them, because they may not step into that risk profile, the member of that credit union can and should be referred to another credit union that offers those services and becomes a member of that credit union specifically for the purpose of accessing that financial service, whether it is a mortgage or another service. They will also remain a member of the original credit union. We are not changing the common bond or the geographic area. We are making provision for a credit union to refer a member to another credit union for the services that the other credit union provides.