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Public Consultation on Evaluation of Community Banking and Local Provision of Banking and Financial Services in Ireland

From: Department of Finance
Open for submissions from: 19 March 2019, 09:58
Closed on: 15 April 2019, 17:45


Mr. Paschal Donohoe TD, Minister for Finance and Public Expenditure and Reform, has appointed Indecon International Economic Consultants to undertake an independent evaluation of how the local provision of banking and financial services may be improved in Ireland, and other means of achieving the objectives of community banking. The terms of reference for this work are attached below.

Local provision of banking and financial services includes, but is not limited to the following banking and financial services for both consumer and businesses:

  • current accounts and debit cards
  • credit cards
  • secured and unsecured personal loans
  • secured and unsecured business loans (including those secured using invoices, machinery and other equipment as well as property)
  • mortgages
  • financial and business advice and education

The objectives of community banking include, but are not limited to:

  • enhancing financial inclusion to ensure individuals can access banking and financial services
  • supporting rural and regional economic development
  • ensuring access to finance for small businesses.

Terms of Reference

Independent Evaluation of Community Banking - Terms of References


Submission Process

Interested parties, including consumers/users of local banking and financial services, are invited to provide written responses on any aspects of the terms of reference, including on the following:

  • the experience of users and customers of local banking and financial services, including any lack of availability or difficulty in accessing such services
  • any suggestions as to how such services could be improved or delivered in other ways.

This process represents an opportunity for individuals and organisations to provide additional information and potentially different perspectives on how the local provision of banking and financial services may be improved, and submissions received will input to policy decisions in this area. You are encouraged in your submission to be as specific and detailed as possible when providing information. For example, you may have specific experiences, evidence or other data such as industry surveys or reports.

Interested parties are invited to submit responses by email or post on the above matter to Indecon at the contact details provided below.

A closing date for submissions of Monday 15th April will be strictly applied. Submissions received by close of business on this date will be considered as part of the review process.

William Batt, Partner at Indecon International Economic Consultants

Indecon International Economic Consultants
Address: Indecon House, 4 Fitzwilliam Place, Dublin 2,

When responding, please indicate whether you are contributing to the consultation process as a professional adviser, representative body, business or member of the public.

Publication of Submissions and Freedom of Information

Please note that the information provided in the submission form will represent an input to the independent review, and may also be shared with relevant Government Departments and State organisations. The Department of Finance may also publish on its website submissions received under this consultation. However, if you wish to submit information that you consider commercially sensitive, please identify that information in your submission and give reasons for considering it commercially sensitive. The Department will consult with you regarding such information before making a decision to disclose it.


Indecon fully respects your right to privacy and actively seeks to preserve the privacy rights of those who share information with the Indecon. Any personal information which you volunteer to Indecon will be treated with the highest standards of security and confidentiality, in accordance with Irish and European Data Protection legislation. Personal data will be processed shall in accordance with the General Data Protection Regulation (EU) 2016/679 and the Data Protection Act 2018.

A copy of Indecon’s data Privacy Notice can be supplied on request to William H. Batt at Indecon whbatt@indecon.ie