Dáil Éireann
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Vol. 998 Tuesday, No. 2 29 September 2020 DÍOSPÓIREACHTAÍ PARLAIMINTE PARLIAMENTARY DEBATES DÁIL ÉIREANN TUAIRISC OIFIGIÚIL—Neamhcheartaithe (OFFICIAL REPORT—Unrevised) Insert Date Here 29/09/2020A00100Ceisteanna ó Cheannairí - Leaders’ Questions 125 29/09/2020J00500An tOrd Gnó - Order of Business 134 29/09/2020R00500Ministerial Power (Repeal) (Ban Co-Living and Build to Rent) Bill 2020: First Stage 146 29/09/2020R01300Ceisteanna - Questions 147 29/09/2020R01400Citizens’ Assembly 147 29/09/2020T01100Shared Island Unit 151 29/09/2020U03500Broadcasting Sector 156 29/09/2020W00200Special Committee on Covid-19 Response: Motion 159 29/09/2020Y00100Forestry (Miscellaneous Provisions) Bill 2020 [Seanad]: Second Stage 160 29/09/2020EE00100Ceisteanna (Atógáil) - Questions (Resumed) 173 29/09/2020EE00200Ceisteanna ar Sonraíodh Uain Dóibh - Priority Questions 173 29/09/2020EE00250Covid-19 Pandemic Supports 173 29/09/2020FF00450Primary Medical Certificates 176 29/09/2020FF01150Insurance Industry Regulation ������������������������������������������������������������������������������������������������������������������������������ 177 29/09/2020GG00525Ceisteanna Eile - Other Questions 180 29/09/2020GG00550Irish Fiscal Advisory Council 180 29/09/2020HH00600Tax Credits 182 29/09/2020JJ00500Banking Sector 184 29/09/2020KK00750Banking Sector 187 29/09/2020LL00500Financial Services Sector 189 29/09/2020MM00275Tax Collection 191 29/09/2020MM01150Tax Reliefs 193 29/09/2020NN01050EU Issues 195 29/09/2020OO00600 European Union (Common Fisheries Policy) (Point System) Regulations 2020 (SI No 318 of 2020): Motion [Private Members] 197 29/09/2020YY00400Ábhair Shaincheisteanna Tráthúla - Topical Issue Matters 220 29/09/2020AAA00100Saincheisteanna Tráthúla -Topical Issue Debates 221 29/09/2020AAA00200Alcohol Pricing 221 29/09/2020BBB00350Speech and Language Therapy 225 29/09/2020CCC00550Road Projects 228 29/09/2020EEE00100Housing Regeneration 231 29/09/2020FFF00050Ceisteanna (Atógáil) - Questions (Resumed) 233 29/09/2020FFF00090Ceisteanna ar Sonraíodh Uain Dóibh - Priority Questions 234 29/09/2020FFF00094Capital Expenditure Programme 234 29/09/2020FFF00750 29/09/202 0GGG00800 Ministerial Advisers 236 Public Sector Pay 238 29/09/2020HHH00500Public Sector Pay 240 29/09/2020JJJ01050Public Sector Pay 243 29/09/2020KKK00250Public Sector Pay 245 29/09/2020KKK00950Garda Stations 247 29/09/2020LLL00550Public Sector Staff 248 29/09/2020MMM00700Garda Stations 251 29/09/2020MMM01500Public Sector Reform Review ������������������������������������������������������������������������������������������������������������������������������252 29/09/2020NNN00700Flood Prevention Measures 254 29/09/2020NNN01500Civil Service 255 29/09/2020OOO00600Flood Relief Schemes 257 eGovernment Services 258 125 Dáil Éireann Dé Máirt, 29 Meán Fómhair 2020 Tuesday, 29 September 2020 Chuaigh an Ceann Comhairle i gceannas ar 130 pm Paidir. Prayer. 29/09/2020A00100Ceisteanna ó Cheannairí - Leaders’ Questions 29/09/2020A00200Deputy Mary Lou McDonald: Yesterday was a very bad day for tens of thousands of fami- lies and businesses that need breathing space in respect of their mortgages The announcement that mortgage breaks will come to an end after this week has caused a great deal of anxiety and stress These mortgage breaks gave homeowners and businesses some relief as the economic effects of the emergency and public health restrictions bit hard. Nobody expected the mortgage breaks to go on forever but they should certainly have been maintained for as long as the pan- demic continued In other countries, mortgage holders have been given breaks of nine months or even a year but that is not the case here Here, mortgage holders got a break of three months followed by an extension lasting a further three months Yesterday, we learnt that the banks will return to business as usual but it is not a case of business as usual for many families and businesses There are families and businesses that will simply not be able to return to repaying their mortgages normally Leaving mortgage holders to go it alone and relying on the sympathy of the banks to deal with individual cases is, frankly, unacceptable Yesterday’s meeting between senior Government Ministers and the banks was a facade There was no real intent on the part of the Government to reach a solution that would help mortgage holders All of this is happening at a time when the cosy connections between the Government and the financial sector are once again on show. We have learnt that the former Minister of State, Senator Michael D’Arcy, is leaving the Seanad to be appointed as CEO of a financial lobbying group. In summary, all of this means that there will be no relief for strug- gling mortgage holders but a big job for a former Minister of State What does this say to the families and businesses that were relying on the Government to stand up for them and to go to bat for them? This is the second former Minister of State at the Department of Finance to go through the revolving door from the Government into the world of high finance. In fact, during yesterday’s meeting, Ministers from the Taoiseach’s Government sat on one side of the table while a former Minister of State at the Department of Finance sat on the other side representing the banks The Tánaiste, Deputy Varadkar, has warmly welcomed Senator D’Arcy’s new job He said that he understands why, after 20 years in public life, the Senator might wish to start a new chapter in his life He said that he will always be welcome should he decide to run for election 126 29 September 2020 again He went on to say that his new employers are fortunate to recruit someone of his calibre The Minister, Deputy Eamon Ryan, another of the Taoiseach’s colleagues in government, said something different. He said that he has concerns about all of this and that he has shared those concerns with the Taoiseach. We know that the Standards In Public Office Commission, SIPO, has certainly had concerns about this revolving door. Over the last five years, it has approached the Government to seek changes to legislation that would give it the power to in- vestigate and prosecute Ministers who do not adhere to the rules on cooling-off periods before moving to jobs with lobbying groups SIPO’s approaches in this regard have been consistently ignored by the Government One has to wonder why The Tánaiste has one point of view of the appointment. The Minister, Deputy Eamon Ryan, has a different point of view. He says he has concerns and that he has shared these concerns with the Taoiseach Will the Taoiseach set out for us his position on this matter? Does the Taoiseach share the concerns of the Minister, Deputy Eamon Ryan? If he does, what are those concerns? What action, as Head of Govern- ment, does the Taoiseach propose to take on this matter? 29/09/2020B00200The Taoiseach: There are two substantive issues contained within the question that the Deputy put. In the first instance, I want to say that I fully understand the anxiety and stress that many individual mortgage holders, many people with personal loans and many small and medium-sized enterprises feel in terms of the ongoing