While I do not doubt the previous speaker's commitment, of the last three speakers on the Government side we have heard about illegal moneylending, suicide prevention and banking issues, including mortgage arrears and businesses. Why do we need to bring people in to tell us things we already know?

The Suicide Prevention and Mental Health Fund Bill 2014, was non-political and non-adversarial. We ran after each other to vote against it, which is doing precisely what Senator Michel Mullins wanted. The Family Home Bill 2011 proposed to make the family home sacrosanct from repossession. The Debt Settlement and Mortgage Resolution Office Bill 2011 would have put a veto on the banks to prevent them treating people with the contempt to which the Senator referred. A previous speaker referred to the Criminal Justice (Unlicensed Money-Lending) Bill 2013. I suggest it is not the Minister for Finance but rather the Minister for Justice and Equality who should deal with this legislation. There is no political appetite to deal with these issues. There is no shortage of proposed legislation. The Senator knows well that we do not want to waste our time nor do we wish to create the facade that something is happening just by bringing organisations into this Chamber in order that they can tell what we know we need to do.

This is the Upper House.

Senator Marc MacSharry to continue, without interruption.

These are just three Private Members' Bills that I presented to the House and which could have dealt with those issues. I am not interested in pontificating. The Leader should not go about organising a group to come to the House and then we do nothing.

Does the Senator have a question for the Leader?

I ask the Leader to organise a debate as soon as possible with the Minister for the Environment, Community and Local Government, Deputy Alan Kelly, and the Minister for Finance, Deputy Michael Noonan. A series of suggestions to assist the housing market have been made during the past week. I declare my interest in that I am an auctioneer. There is talk of a tax on unused sites. I agree with that if finance is available. This plays into previous points because if finance was available for developers to use land, I would agree that we should encourage them to build houses. However, this is not possible because most of the land is under the control of NAMA and local authorities; therefore, it is fantasy and nonsense from the Minister, Deputy Alan Kelly.

I agree wholeheartedly with a previous speaker with regard to a deposit of 20% for buying a house. Who are the people working in the Central Bank? My God, it concerns me that we might have the same kind of muppetry we had that led us into the crisis if they think that a person could actually save €50,000 for a purchase price of €250,000. There is a little boom going on in Dublin districts 2, 4 and 6, where prices are going up.

The Senator is way over time.

Outside Dublin there is a serious supply issue, there is no money and no lending unless one has a double income and has at least 30% of the price in cash. The Government should stop making announcements either in the Central Bank or in Government Buildings, about a nonsense policy that cannot be implemented.