Departmental Data

292. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department has reviewed the adequacy of the State's fiscal buffers, including the National Reserve Fund, in light of the contingent exposures raised in the report; and to state whether additional provisioning will be considered. [64798/25]

293. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance what engagement he has had with the Fiscal Advisory Council regarding potential implications of hidden credit-line exposures for medium-term fiscal sustainability; and whether the Council has been asked to independently assess these risks. [64799/25]

294. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the number of loan portfolios containing tracker or variable-rate mortgages have been transferred, sold or securitised by Irish-regulated lenders since 2015; and to confirm whether full account-level audits were required before, during and after each transfer to identify hidden credit-line exposures linked to those loans. [64800/2…

295. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department has assessed whether hidden or undisclosed credit-line exposures influenced the pricing of loan-book sales to non-bank entities; and to detail the conclusions reached from any such assessment. [64801/25]

296. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether non-bank entities currently servicing Irish mortgage accounts are required to declare any inherited credit-line exposures or standby facilities connected to the portfolios they acquired; and to indicate the number of such declarations that have been received. [64802/25]

297. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the due-diligence requirements his Department has imposed on regulated lenders when transferring mortgage accounts to special-purpose vehicles, securitisation structures or affiliated entities; and to confirm whether these requirements include identification of hidden credit-line exposures. [64803/25]

298. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether the Central Bank of Ireland has identified any case since 2015 in which loan-servicing arrangements obscured or failed to disclose a lender's underlying credit-line exposure; and the corrective or enforcement measures that followed. [64804/25]

299. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the number of mortgage accounts held by non-bank entities that are currently under review for possible misclassification, including tracker-mortgage customers; and to state whether hidden credit-line exposures form part of that review. [64805/25]

300. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the safeguards his Department has put in place to ensure that when mortgage loans are transferred to another lender or servicer, borrower entitlements connected to tracker rates or contract terms are preserved and not compromised by undisclosed credit-line commitments. [64806/25]

301. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether any regulated lender has reported difficulties reconciling borrower entitlements after loan-book sales due to previously hidden or off-balance-sheet credit-line structures, and to detail how many such cases remain unresolved. [64807/25]

302. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department has reviewed the interaction between hidden credit-line exposures and the servicing standards applied by credit-servicing firms; and to state whether any amendments to these standards are being considered. [64808/25]

303. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether the Department has established a central reconciliation framework to verify all credit-line exposures attached to transferred or securitised mortgage accounts; to state how many lenders have complied with that framework; and to indicate when full compliance is expected. [64809/25]

304. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance to set out whether his Department has examined the extent to which hidden credit line exposures contributed to borrower misclassification in the tracker mortgage scandal; and to state whether any such exposures remain unresolved at account level. [64810/25]

305. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the number of tracker mortgage accounts remain under review for reinstatement redress or rate correction where loan transfers or securitisation structures may have obscured borrower entitlements; and to state the expected timeline for resolution [64811/25]

306. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance to outline whether regulated lenders have reported any inability to reconstruct original borrower records due to hidden or off balance sheet credit line structures; and to provide the number of cases where borrower data remains incomplete or disputed. [64812/25]

307. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance to state whether the Central Bank of Ireland has identified any correlation between hidden credit line exposures and failures in lenders contract interpretation relating to tracker entitlements; and to indicate what enforcement action followed. [64813/25]

308. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the additional supervisory requirements that have been imposed on lenders to prevent tracker mortgage customers being moved off their correct rate due to unreported credit line exposures or loan servicing arrangements. [64814/25]

309. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the number of tracker mortgage appeals that remain active how many of these involve disputes linked to account transfers loan book sales or undisclosed credit line commitments; and the deadlines set for final adjudication. [64815/25]

310. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance if the Department has reviewed whether hidden credit line exposures resulted in unjust financial gain to lenders at the expense of tracker customers; and to outline whether any mechanism exists for recovery of such gains. [64816/25]

311. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether he intends to mandate lenders to provide borrowers with a full account level audit trail including all credit line commitments or transfers relating to their mortgage accounts; and to indicate what form this disclosure would take. [64817/25]

312. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance the specific protections are being developed to ensure that tracker mortgage customers whose loans are serviced by non bank entities are not disadvantaged by hidden credit line exposures or undisclosed intermediary arrangements. [64818/25]

313. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether regional data will be published showing the number of unresolved tracker mortgage cases in Cork city and county including cases connected to hidden credit line exposures; and to state when this data will be released. [64819/25]

314. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department plans new legal disclosure rules for all lenders covering hidden credit line exposures off balance sheet commitments and standby facilities; and to state the expected timeline for these rules. [64820/25]

315. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance whether his Department is preparing changes to financial reporting standards so that all contingent exposures including hidden credit lines are included in lender disclosures; and to indicate the consultation that has taken place with the Central Bank. [64821/25]

316. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance to outline whether any gaps exist in Irish or EU rules that allow lenders to operate credit line structures without full public disclosure; and to set out the actions he will take to close these gaps. [64822/25]