Ruth Coppinger (Dublin West, Solidarity)
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90. To ask the Minister for Finance if there will be an investigation of a bank (details supplied) removing from tracker mortgages customers seeking a top-up mortgage loan; and if he will make a statement on the matter. [12487/18]

Paschal Donohoe (Dublin Central, Fine Gael)
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As the Deputy is aware, the Central Bank of Ireland Tracker Mortgage Examination, which is well advanced at this stage, was established to ensure all borrowers who were adversely affected by the tracker scandal were identified and properly recompensed. All relevant matters fall under the scope of this examination, including the matter described in the details supplied by the Deputy.

For borrowers who are dissatisfied with the initial decision by their bank in relation to a fair level of recompense, mechanisms are in place to deal with such situations. As part of the CBI Examination, the banks were required to put in place appeals panels to investigate cases where borrowers felt that they had not been adequately recompensed.

In addition, failing an expected outcome by engaging with these appeals panels, individuals can lodge an appeal with the Financial Services and Pensions Ombudsman (FSPO) to have their case investigated. Individuals can lodge an appeal with the FSPO even in cases where they were not identified by their bank as having been impacted.