Ken O'Flynn

344. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance if his Department has examined whether hidden credit line exposures influenced the setting of interest rates for any category of borrowers; and to state what findings were made. [64850/25]

345. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether any lender reported the use of hidden credit line structures when calculating variable rate margins; and to indicate how many cases were identified. [64851/25]

346. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures affected the calculation of break fees switching costs or interest adjustments for mortgage customers; and to state if any corrections are outstanding. [64852/25]

347. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures contributed to inconsistencies in lenders rate change notifications issued to borrowers since 2015; and to provide the number of affected cases. [64853/25]

348. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department has reviewed whether hidden credit line exposures played any role in the withdrawal or alteration of tracker rate products; and to state what evidence has been gathered. [64854/25]

349. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures influenced lenders assessment of customer eligibility for fixed rate or long term rate products and to provide details of any cases under review. [64855/25]

350. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether any regulated lender has acknowledged errors in interest rate calculations linked to hidden credit lines; and to provide the number of borrowers impacted. [64856/25]

351. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures were factored into the Central Bank of Ireland's examination of mortgage switching competition; and to indicate whether any follow up action is planned. [64857/25]

352. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures affected the pricing of mortgage products offered to first time buyers or regional borrowers, including Cork; and to provide the evidence available. [64858/25]

353. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department will require lenders to conduct an interest rate review for all borrowers whose accounts may have been influenced by hidden credit line exposures; and when this review will begin. [64859/25]

354. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance if his Department has examined whether hidden credit line exposures influenced lender decisions on borrower credit histories; and to state the number of cases affected. [64860/25]

355. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether any lenders used hidden credit line structures when assessing borrower credit scores or internal risk ratings and to indicate the number of such cases identified. [64861/25]

356. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures contributed to inaccuracies in borrower repayment records or arrears histories; and the number of accounts remain under review. [64862/25]

357. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures created inconsistencies in lenders internal credit reporting systems; and to state whether any mandatory system corrections have been ordered. [64863/25]

358. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department has reviewed the impact of hidden credit line exposures on borrower appeals to lenders or to the Financial Services and Pensions Ombudsman; and to provide the number of related appeals since 2018. [64864/25]

359. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance to provide details of any complaints received by lenders relating to errors in borrower account histories linked to hidden credit line structures; and to state how many of these complaints remain open. [64865/25]

360. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures affected the fairness of lenders decisions regarding borrower restructures insolvency arrangements or alternative repayment plans; and to state what corrective action is planned. [64866/25]

361. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether any lenders have reported that hidden credit line exposures interfered with the proper application of borrower protections under the Consumer Protection Code; and to state the number of cases involved. [64867/25]

362. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether hidden credit line exposures contributed to errors in lenders communication with borrowers including rate changes arrears letters or contract updates; and to provide details of any investigations underway. [64868/25]

363. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department will require lenders to issue corrected borrower account statements where hidden credit line exposures led to errors or omissions; and to say when these corrected statements will be issued. [64869/25]

364. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance to provide county-by-county estimates, based on Revenue's 2026 valuation modelling, of the number and proportion of residential properties expected to move up one or more Local Property Tax valuation bands for the 2026-2030 valuation period. [64957/25]

365. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the estimated number of residential properties in Cork City and Cork County that are expected to move into a higher LPT valuation band from 1 November 2025, by band. [64958/25]

366. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the estimated additional annual LPT liability per band for households in each valuation category under the 2026-2030 LPT structure, using the modelling referred to in Revenue's September 2025 technical paper. [64959/25]

367. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether any internal briefing notes, modelling papers or impact assessments were prepared within his Department or by Revenue regarding the effect of higher LPT valuations on homeownership affordability, mortgage applicants, or the private rental market, and if he will publish these documents. [64960/25]

368. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the number of households nationally that have notified Revenue of disputes or queries relating to LPT band placement since 1 October 2025, and the number of these arising from Cork. [64961/25]