Séamus McGrath (Cork South-Central, Fianna Fail)
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33. To ask the Minister for Finance the number of mortgage loans sold by banks to non-bank entities vulture funds in 2022, 2023 and 2024; and if he plans to introduce further protections for mortgage holders to reduce the number of loans being sold off by the main banks. [57557/25]

Paschal Donohoe (Dublin Central, Fine Gael)
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The Central Bank of Ireland advises that it does not publish specific data on the number of residential mortgage loans sold by banks to non-bank entities.

In its ‘Residential Mortgage Arrears and Repossessions Statistics’ data series the Central Bank publishes quarterly data on the number of mortgages held by both bank and non-bank regulated entities.

The Central Bank also publishes quarterly data on the number pf primary dwelling mortgage loans held by lending non-banks and by non-lending non-banks in its 'Retail Interest Rates' statistical release.

In relation to mortgage protection, there is a range of measures in place to protect consumers who have a mortgage or who are taking out a mortgage.

The consumer protection framework seeks to ensure that regulated entities are transparent and fair in all their dealings with borrowers and that borrowers are protected from the beginning to the end of the mortgage life cycle.

This consumer protection framework provides the same protections for borrowers regardless of the regulated mortgage entity with whom they are dealing, be that a bank, a retail credit firm or credit servicing firm.