John Paul Phelan (Carlow-Kilkenny, Fine Gael)
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Question 42: To ask the Minister for Finance if it is reasonable that a borrower should be entitled to see the original contract that exists between the financial institution and themselves; if there is a law or regulation that requires the original documentation to be retained by lenders or is it more typical that the bank saves only the electronic files; and in the event that the original documentation is not available to the borrower, is that borrower entitled to an invoice detailing the precise services rendered. [6986/12]

Michael Noonan (Limerick City, Fine Gael)
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The Central Bank have advised me that Chapter 11 of their Consumer Protection Code details the records that are to be held by each lender in respect of people classified as 'consumers' under the Code. The Central Bank would consider it reasonable for a consumer to see these records if the originals cannot be located by the person.

A copy of the Code is available on the Central Bank's website: www.centralbank.ie