I move amendment No. 14: In page 30, line 7, to delete “12. Whether” and substitute the following: “11. Whether”.

I move amendment No. 15: In page 30, line 12, to delete “13. Provision” and substitute the following: “12. Provision”.

I move amendment No. 16: In page 30, line 14, to delete “14. Provision” and substitute the following: “13. Provision”.

It was my predecessor, Deputy Fleming.

I thank the Deputy. It is with great pleasure that I thank my predecessor, the Minister of State, Deputy Fleming, for his work in developing this legislation and introducing it in the Seanad. I thank the officials for their extraordinary work over some time, particularly Catherine, who has been engaged in every single consultation with the credit union sector for some years. I see Kevin Johnson is here to support the passage of the Bill. A credit union from Kildare was here earlier to celebrate the passage of the B…

If I may, I will take 30 seconds to put the pages back in order, as I have been asked loads of questions during Senators' contributions, and I want to try and keep the right order. Forgive me but this is a genuine effort to respond to what Senators have said. I thank those Senators who made a contribution. I have taken a note of their points and I will try to respond specifically and directly to the points they have raised. Senator Casey raised the issue of loan-to-value in the first home scheme. The first home sch…

There is nothing Sinn Féin does-----

There is nothing Sinn Féin does to contribute to the building of a single private home or to the creation of a single private tenancy. It wants public homes-----

-----on public land, but it talks to everybody-----

-----as though it would solve their problems but it will not solve a single tenant's problem, because it will push more and more landlords out.

The Senator's party will not serve a single person who wants to buy a home in this State, nor will it create a private home or a private-----

I, and others, therefore, will vote for this legislation-----

-----and for this very small tax credit, but the real problem is how landlords have been demonised and the Senator's party is, in large part, responsible for this situation.

I grew up in Dublin city, went to school and college here and have spent my life working in Dublin. I have lived all over different parts of Dublin and to see a bus burning on O'Connell Bridge and to see the scale of violence and people terrorised in their shops was heartbreaking. I have also worked in youth justice since 2006 and know the Garda youth diversion programme has worked for 95% of the young people who come into it. It is incredibly effective but I feel I saw that night the 5% whom State interventions di…

They are playing both sides of every argument. I, Cormac and all of us needed their help and they were the only people who did nothing to help the community.

Sinn Féin members are playing both sides of every argument. I am not saying this politically. I am saying this because we lived through it in Ballybrack in July.

We needed your help. You were on the ground, had a strong local presence and did nothing to help. I will never forget it.

All deleted now.

Are you going to sue him?

I thank Deputy McGuinness and the members of the committee for the invitation to discuss the Report on Banking 2022, which was published ten months ago. I appreciate that it is a wide-ranging report, and I want to address all the points. I also want to address the specific issues that Deputy McGuinness raised. I will try to do both in my time. The first ten recommendations in the report deal with the withdrawal of Ulster Bank and KBC from the Irish market. I ask to be allowed to address that because it is a substan…