Simon Harris
Wicklow · Fine Gael · Ireland
“There are more than 10,000 routes and thousands of buses involved and the number of students using the services is not a million miles away from 200,000. The current terms of the scheme are going to continue to apply for the 2026-27 school year.”
“I thank Deputy McDonald for raising what is genuinely an important issue. I do take the point that when we talk about this in the abstract or from a process point of view in here, that for people watching this is their real lived experience.”
“There number of children who have been supported by means of the school transport scheme, as Deputy Fitzmaurice knows and has alluded to, has grown significantly in recent years. Since 2018, the number increased from 120,000 in 2018 to more than 181,000 now. Included in that figure are 24,000 pupils with special educational needs.”
“I knew the Deputy would have to mention the GAA, especially with Galway and Limerick playing at the weekend. I wish everybody involved the best of luck. We are very committed to the school transport scheme. If the Deputy wants to see our commitment, he should look to our budget.”
“An ageing population, increasing healthcare needs, the transition to net zero and the need for continued investment in housing, energy and infrastructure will place a significant demand on public resources.”
“There is also a legitimacy to the point the Deputy made about how it is a legitimate form of transport for some people. We see this working in other European countries. We see it in our nearest neighbours. I do not want to get the regime wrong, but I think they have registration at the point of purchase that allows people to track this.”
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“Another Thursday, another emergency budget. We cannot keep having calls for emergency budgets and mini-budgets every week. Come on. We just cannot. Will the Deputy please read the analysis from the Irish Fiscal Advisory Council and the Central Bank? To look for another budget every week-----”
“IBEC makes that point too. We need to make sure wage growth in the economy, and thank God we are seeing wages rise in the economy, does not get outstripped by the taxman taking all the benefit of it. The detail of the package is entirely a matter for the Government to consider in the round. The Government has not decided it, but we should not dismiss - I am not sure the Deputy is doing so, in fairness - the threshold point.”
“I appreciate some of the Deputy's comments about the challenges that exist. We live in a country where one third of people pay no income tax or USC. When we talk about progressivity we have to acknowledge that fact. We can argue about whether it is a good or bad thing, but approximately one third do not pay any income tax or USC. That has to be factored into any comments on progressivity. Second, the entry point to the higher rate of tax is still too low. I think it was €33,000 in 2015. It is now €44,000. It is still below the average. I look to colleagues in the Labour Party, including Deputy Nash. I have heard the comments of the Irish Congress of Trade Unions, ICTU, on this. It might suit Deputy Doherty to say "Oh Fine Gael", but it is ICTU that says the entry point to the higher rate of tax needs to be looked at.”
“We will outline the size of the tax measures in the summer economic statement. I look forward to debating them on budget day.”
“I published Ireland’s medium-term plan last December with the Minister, Deputy Chambers. It sets out a binding path for net public spending for the lifetime of this Government. In the coming weeks, the summer economic statement will be published, which will outline the parameters for budget 2027, including the size of the tax package. Following the summer economic statement, as part of the budget process, my Department will conduct distributional impact assessments to analyse the impact of budget measures on Irish households. We will use the ESRI's tax benefit microsimulation model, simulating welfare, income tax, childcare and health policies, SWITCH, to model proposed tax measures to ensure their fairness. However, it is our intention to have a personal income tax package in the budget.”
“In line with the Government policy of ensuring full-time workers on the minimum wage remain outside the charge to the top rates of universal social charge, USC, the ceiling of the 2% USC rate band was increased by €6,898, or 34%, from 2020 to 2025. Budgets 2024 and 2025 also cumulatively reduced the 4.5% rate of USC to 3%. As the Deputy will be aware, Ireland has a progressive income tax system. It is estimated that in 2026 approximately one third of taxpayer units will be outside the income tax and USC net altogether and, therefore, due to the progressivity of our income tax system, account should be taken of this in any analysis or commentary. A number of targeted measures were introduced in budget 2026, including mortgage interest tax relief, the rent tax credit and the 9% VAT rate on gas and electricity bills.”
“I thank the Deputy for the question. The Programme for Government: Securing Ireland's Future contains specific undertakings with regard to personal income tax. It commits to implementing progressive changes in taxation if the economy remains strong, including indexing credits and bands to prevent an increase in the real burden of income tax while, in the event of an economic downturn or unexpected deterioration, there will be postponements to income tax credits or bands, as there were in budget 2021. To ease the burden facing average and middle-income earners, over successive budgets the previous Government, of which I was a member, substantially increased the entry point to the higher rate of income tax for all earners by €8,700 or approximately 25%. The main credits have also increased by €350, or approximately 21%.”
“What I am announcing is that the days of the Deputy coming into this House and trying to shout people down and bully them are over. I am speaking and the Deputy stood up and interrupted me. The situation is very clear. Let the people at home who are worried about their bills know that there is plenty of time before this Dáil goes into recess to make informed, evidence-based decisions. This Government acted to help people while the Deputy played party politics to rile people up. It has not worked.”
“We are going to take a rounded, informed decision based on the evidence available to us as to what the most appropriate thing is. I do not know whether the Deputy is heading off for a long summer break but I am around if there is a need to respond to anything during the summer.”
“I do not want to interrupt the united Opposition. To be clear, there is only one Deputy currently in the Chamber who voted against the financial resolution to cut the excise duty in the first place. His name is Deputy Pearse Doherty. Let the Dáil record show that Deputies Cian O'Callaghan and Neville, the Cathaoirleach Gníomhach and I all voted to reduce the excise duty but Deputy Doherty decided not to because he wanted to play party politics. He is now deciding that he wants to unilaterally run the Government from the Opposition benches. We are clear that we are going to take decisions. The Deputy has been doing a great job of riling everybody up, worrying them and trying to encourage protest again. He wants to get them all going again. Angry Pearse is not going to work any more.”
“I will say, to be helpful, that I do not believe it is likely that there will be some sort of cliff-edge whereby everything will return to how it was before the packages. We have to think this through and see what is an appropriate and proportionate response beyond 31 July. The Government will make the decision in the coming days. As the Deputy said, this Oireachtas has approximately three weeks left and these decisions will be made in plenty of time to provide that clarity.”
“Let us not worry people unnecessarily. Let me be clear. There is legislation going through the Oireachtas now that is giving legislative underpinning to the reduction we put in place which is to end on 31 July. That has to happen. It is required legally. That is what it is doing; no more, no less. There is another piece that it is important we say to people if we are concerned about them being worried, as the Deputy is. I am saying clearly that in the coming days, the Government will make a decision as to what happens post 31 July. It makes sense, and the Deputy can agree or disagree, to give it those coming days because the situation is fast evolving. It is, as the Deputy said, extraordinarily fluid. We need to monitor and make the best decisions.”
“We are continuing to monitor the situation closely and reserve the right to adjust our response. We have to get the balance right between solid budgetary management, which gives us an ability to respond in a timely manner, and making sure that people do not see some sort of immediate cliff-edge at the end of July. The Government will make a determination in the coming days.”
“We have seen positive responses on the commodity markets, in that there has been a reduction in oil prices. I accept they are still higher than they were. There does remain, let us be truthful, significant uncertainty over details of the agreement. We have been here previously. Let us hope for a positive situation. I am conscious that the situation is evolving. Brent crude, the global benchmark for oil prices, as of 23 June stood at approximately $77 per barrel. This is down from a peak of approximately $115 in early May, but still above prices of around $70 per barrel recorded before the war. It is likely that there will continue to be disruption to supply chains and damage to energy infrastructure and it will, therefore, take some time for things to restore to pre-war levels.”
“The total estimated cost of the support measures that the Government has introduced thus far is over €750 million. People know what that meant. It meant reducing petrol, diesel and marked gas oil, MGO, from an excise point of view. It also meant the deferral of the May carbon tax increase on home heating oil fuels and MGO, as well as a reduction in the National Oil Reserves Agency, NORA, levy. We have also had the diesel rebate scheme for licensed road haulage and passenger transport operators, the fuel income support scheme to assist farmers and farm contractors and the road transporter support scheme to help the road transport sector. The fuel allowance was extended by four weeks. I acknowledge and welcome the current reopening of the Strait of Hormuz.”
“I welcome the opportunity to try to provide some clarity. For people at home who are watching in, let us be clear what the current Finance Bill is doing. It is giving primary legislative underpinning to the financial resolution; no more, no less. We in this House voted through a financial resolution to reduce the excise duty on diesel, petrol and green diesel. If there is a large gap between a financial resolution and the standard annual budget, you have to bring forward primary legislation to underpin that; no more, no less. The legislation we are bringing forward now is on a status quo basis providing an underpinning to something that this Oireachtas voted on many weeks ago. In that way, it is slightly peculiar that it has to happen, but it has to happen legally.”
“I am a bit more optimistic on action being taken at EU level. It has been far too slow. It has been appallingly slow. Ireland has been advocating for action for such a long time on a cross-party basis. There are options that the European Council of Ministers can take that require qualified majority voting instead of consensus, but I agree with the Deputy on consensus being unlikely. There is an onus on the Commission to make proposals for the next Foreign Affairs Council, where there are measures that could be taken by qualified majority and not just consensus.”
“I agree with the Deputy's analysis of the atrocities happening in Palestine and that the actions of the Israeli Government are in breach of international law and despicable. There is a genocide happening in Palestine. The only area we disagree on, or are teasing through, concerns what is legally possible. I will look again at the independent legal advice of the Office of Parliamentary Legal Advisers but I do not want to mislead the Oireachtas. It is the clear view in the advice I have that we cannot do anything domestically to trump the EU regulation. I am certainly not suggesting the Deputy is endeavouring to do this, but we cannot be saying we are standing by international law and then passing legislation here that we know would actually breach our own legal obligations. We cannot progress legislation if it will not work.”
“I have written to the Commissioner in the last few days, outlining the very clear view of this Oireachtas that the prospectus regulation needs to be amended. I intend to continue to pursue this actively. I also hope this could be considered as part of the EU Commission's set of proposals, which it is due to bring to the next Foreign Affairs Council meeting. I will also send the Deputy a copy of the letter and keep him informed of any further engagement. My honest view on the matter is that domestic legislation cannot trump EU law in determining what the Central Bank can and cannot do.”
“I thank the Deputy. I have been very clear in my view on this. Our clear advice is that even if domestic legislation were passed, it would not allow for the Central Bank to refuse a prospectus where the requirements of the EU prospectus regulation have been met, including the standards of completeness, consistency and comprehensibility. We have to respect EU law and the Central Bank has to abide by it. In my view, EU law needs to change in relation to this. That is why I agree with the Oireachtas joint committee finding. After I directed my officials to engage with the Commission, the Deputy asked me whether I would directly engage. I did. I spoke to the Commissioner in the past week or two.”
“Department officials subsequently liaised with their counterparts. We drew attention to the work of the Oireachtas, in particular the Oireachtas joint committee's recommendations that the prospectus regulation be amended. This engagement reflected my view that the Commission needs to act on those findings. I also undertook that I would raise the matter directly with the EU Commissioner. I spoke to Commissioner Albuquerque on this issue at the last ECOFIN meeting. I have also written to her as recently as the last couple of days, and I will give the Deputy a copy of that letter.”
“This includes a call for a proposal to prohibit EU trade with Israeli settlements and to suspend the EU-Israel Association Agreement or, at a minimum, to suspend the trade elements of the agreement, as previously proposed by the President of the European Commission. It is expected that the European Commission will bring forward options at the Foreign Affairs Council on 13 July, including on EU trade with Israeli settlements. The last time Deputy O'Callaghan raised this issue with me here, I think at the last Question Time, I undertook to engage directly with the EU Commission on this matter. I do not believe we disagree on the fundamental issue, but we can agree or disagree on how to resolve it. My very clear view is that this requires EU action in terms of the regulation. I directed my officials to engage with the EU Commission.”
“In carrying out these responsibilities we are at all times required to assess and understand the nature of our legal obligations and responsibilities. We do this on the basis of robust analysis relying on the legal expertise available to us. This takes the form of both internal legal and subject matter expertise and, where necessary and appropriate, of access to external legal advice. We believe that further action – I believe the Deputy and I agree on this point – is necessary with respect to the EU's relationship with the State of Israel. This is why we are working with others to achieve co-ordinated action at EU level. Ireland will continue to call for and work for concrete EU action in response to the horrific Israeli breaches of human rights and democratic principles.”
“I thank Deputy O'Callaghan. As he will be aware, the Central Bank is the competent authority when it comes to the issuing of prospectus approval. It has informed me that it continues to keep under review its compliance with the applicable international legal and regulatory frameworks in relation to its mandates and engagements. Furthermore, the Central Bank, as the financial regulator, is independent in its functions from the Government, as is necessary in any well-functioning democracy. The Governor of the Central Bank made the following clear in a reply to a letter from the Oireachtas finance committee on 24 November 2025: The Central Bank is established by statute to fulfil legal responsibilities and obligations including in relation to the Prospectus Regulation.”
“We have had very significant public consultation. I reiterate today that if there is any group or body of groups, or set of individuals, with whom the Deputy would like further engagement, he should please let me know. I will provide him with a list of all the people who have been engaged with. I am also very happy to engage with the Opposition.”
“Direct investment in capital markets is very limited. Irish households hold just 2.3% of their financial assets in listed equities and debt securities. The EU average is 7.5%. Irish retail investors also have a very distinct profile. They are more likely to be male and to be between the ages of 35 and 54, and are disproportionately drawn from higher-income, higher-educated ABC1 households. Some 73% are in employment and 65% hold higher education qualifications. Investors tend to be concentrated around the greater Dublin area. Therefore, there is not fair access today to investments. Lower-income people, people outside the Dublin area and women are all less likely to invest than men of a certain age living in a certain part of the country. These are some of the challenges and I look forward to grappling with them.”
“Fourth, on Deputy Doherty's point, because this is not a scheme for the uber-wealthy, there will have to be a maximum amount that can be put into the account, either annually or over the lifetime period. Those are the four principles we have outlined. The Deputy referred to the Central Bank. We are informed on this by the research of the Central Bank. The Central Bank carried out research called Retail Investor Participation in Ireland: Consumer Research and Analysis. It was published only last December. It examined and engaged with Irish households on how they save, invest and engage with financial markets. It shows that Irish households continue to rely heavily on traditional, low-risk saving habits, with 38% of all financial assets held in cash and bank deposits, a level significantly above the EU average.”
“I am happy to be challenged, and I will also be happy to meet because I do want to get this right. I really do because it is important. What we have done is laid out the principles. The details on specific rates of tax and the like would always be a matter for the budget. There is no Minister for Finance who announces tax rates in advance of the budget, as we all know; however, we have already made a number of clear, principled commitments on the design of the account. First, the obligation to ensure the tax is paid would lie with the account provider, not the person who opens the account. That is a game-changer in reducing complexity. Second, there would be an income-free threshold. Third, a person would pay one low flat rate of tax on anything above that threshold.”
“If there is a need for anti-avoidance measures, is deemed disposal the correct way to go about it? I am not convinced it is, by the way. Do we have a better way, as an Oireachtas, to overhaul this provision? On the specific example of the UK, I met the Chancellor of the Exchequer on what the UK is doing. I also met Swedish representatives on what that country has done, and representatives from a number of other countries.”
“I wanted them to be ready to open accounts in 2027. On the point about broader investment, I agree with Deputy O'Flynn on this point. This is not an either-or situation. I passionately believe that we need personal investment accounts in Ireland like they have in lots of other European countries. This is not my idea. Many other countries have already done this, and my view is that we need to get on board. That will not, however, be enough in and of itself. There are anomalies in the taxation system, and I think deemed disposal is one. Again, all these issues are matters for budget day. Reducing the deemed disposal taxation rate from 41% to 38% misses the broader point, which is whether this measure is fulfilling the policy objective it was intended to fulfil. I am not so sure it is.”
“I would argue that we actually know more about this proposal now than we know about most budgetary measures because the budget last year gave a commitment to consult and engage on rates of taxation. Finalising issues in respect of rates of tax and amounts that might be tax free are, as all Deputies will know, matters for a budget day. By the way, I am happy, at an appropriate point in advance of the budget, to provide a briefing to the Opposition on our thinking on this scheme. We will have different views on this issue but I do hope we can fundamentally agree with the idea that we should be offering a variety of ways for people to save and invest. As Deputy Doherty said, we have met with lots of banks and digital platforms because they are the people who we require to provide the accounts.”
“I reject the assertion that the meetings take place behind closed doors. They are just meetings, the door is closed, but there are lots of people in the room. We have had meetings with the Central Bank, the European Commission, and the CCPC. That was a very public event and people will be well aware of it because it was covered widely in the media. I do, however, take the point about getting this scheme right. I will make a few points. Obviously, this will definitely require legislation. The intention is to legislate for this in the finance Bill. There will, therefore, be ample time to properly scrutinise this proposal and, indeed, for the Deputy to have an input. I think that is important. I take the point as well, although I disagree with it, in terms of how much we know about the scheme now.”
“There was the public consultation as part of the funds review but we are very happy to hear from as many diverse voices as possible. While there has not been a formal public consultation process at this stage, and I take the Deputy’s point, I am very happy to hear any further views that are required for that we could benefit from to feed into the process.”
“These have included meetings with financial services firms, consumer representatives, the European Commission and other member states and jurisdictions which offer such accounts. Officials in my Department are currently developing policy options regarding the investment account framework which will form part of the deliberations for budget 2027. The aim is to legislate for the framework in 2026 and to allow accounts to be offered from 2027. I say sincerely to Deputy Doherty and all the Deputies in the House that if there are other people who wish to feed into this process and who feel they have not had that opportunity, I ask them to please come forward. We have had extensive engagement. This has already been an elongated process.”
“On 31 March, at the first annual savings and investment forum, I announced that my Department is currently working on the development of an investment account. This forum brought together key stakeholders from across the financial services sector, policymakers and, importantly, consumer representatives, including the Competition and Consumer Protection Commission, CCPC, to support the continued evolution of Ireland’s investment landscape. Together with the Minister of State, Deputy Troy, I recently convened a representative cross-section of the funds and asset management sector. I also convened a consumer round table, which I think was this week, to discuss plans for the introduction of a new investment account. I and my officials have held over 30 meetings to date in relation to the proposed investment account.”
“In recognition of the importance of encouraging retail investment, the last budget provided for a reduction in the rate of taxation on returns from Irish and equivalent investment funds and Irish and certain foreign life assurance policies from 41% to 38%. That budget, however, also included a commitment to publish a roadmap for the taxation of retail investment, and set out an approach to simplify and adapt the tax framework to further support retail investment in Ireland. This arose from a key finding in the funds sector report 2030, which included an extensive public consultation. The starting point for this process, then, was that report. The funds review was then included as established Government policy and set out in the programme for Government. There has been extensive public outreach on the proposed investment account policy.”
“I propose to take Questions Nos. 1 and 4 together. I thank Deputy Doherty for his question. An Teachta O'Flynn also has a question. Ireland still does not have a sufficiently diversified savings and investment culture. This is something we largely agree on. Too much of people’s hard-earned savings remains in low-yield deposits, where inflation can erode value over time. Deposit accounts are right for many people and for many needs but they cannot be the only practical option that we have available for many. Investment in capital markets can offer households another path to long-term financial well-being, while also supporting growth and competitiveness in the wider economy.”
“We have seen a huge increase in the number of people using it and the number of schools availing of it, which is all great, but there are timeline issues and clarity could perhaps ease the stress and anxiety for people in future years.”
“I thank Deputy McGrath for raising this issue. It is not the first time he has raised it. He raised the application process window on a previous occasion and I was pleased that we were in a position to reopen it. I will now speak with Ministers Naughton and Moynihan on clarity and staff requirements for schools, in particular the issue the Deputy highlighted around home-based provision and the need for clarity for parents. I am conscious it is a very tight window. As I said earlier, and I say sincerely, once we get through the summer we should have broader engagement on how we can learn lessons. The Minister and the Government are very committed to the programme.”
“I thank the Deputy for raising the issue. I will bring it to the attention of the Minister for Health and ask that she engage with the Deputy directly on the women and infants health programme and the HSE on the need for that consultant post for complex conditions during pregnancy.”
“I thank Deputy Bennett. While we do not have plans to open new emergency departments, we do have plans to continue to drive investment into hospitals at levels 2 and 3, including Monaghan hospital. I remember visiting it a number of years ago. It is a very good hospital and it is ambitious about doing more. On foot of the Deputy raising this issue, I will ask the Minister for Health to come back to her on Cavan emergency department wait times and any further plans in regard to Monaghan.”
“What we do not want to see is that free school books are now free school books being replaced with everything going onto a tablet, laptop or the likes. The Minister has written schools about this. I ask that she further engage with the Deputy on this on foot of him raising the issue. I will speak to the Minister, Deputy Calleary, about the exceptional needs payment and he will come back to the Deputy directly.”
“I thank Deputy Kenny for raising this issue, which is quite a serious one. The summer programme is fully funded by the Department of Education and Youth and schools are supposed to run the programme within the budget provided by the Department. I am not unfairly having a go. Of course small costs above and beyond might arise and a decision may be made to do something outside the programme. I get that somewhat. The level of cost the Deputy is highlighting is completely at odds with the purpose of the programme, which is taxpayer funded as part of the education system and open to all who qualify for it. I ask that the Deputy pass on the information to the Minister for Education and Youth who will examine it. The Deputy's second point is also correct. There is cross-party consensus on the idea of free school books.”
“I thank the Deputy for raising the issue. As he knows, I know the roads in Wicklow and Wexford well. He is correct that like many counties in the country they saw a significant impact from that storm. Work has been underway. I spoke to Wicklow County Council about submitting documentation to the Government, which I am sure also applies to Wexford. That has happened, in fairness. I would like to see the process come to a conclusion very quickly. The Deputy is correct that there is a window when the weather is relatively better than it often is. It is a concern for Deputies across the House. I will follow up with the Minister, Deputy O'Brien, and come back to the Deputy with a timeline.”
“I, along with the Minister, Deputy Chambers, the Taoiseach and the Minister, Deputy Foley, have all said that is our intention.”
“We definitely needed to see more progress and the Minister, Deputy Foley, is ambitious about making that progress. Under the new maximum fee caps, we have seen the highest possible upfront cost for a typical full-day place of 45 hours per week drop. The Deputy is correct that that is still too high. However, the cost has dropped from €198 per week to €183.70 per week. The commitment is very clear. It is not just my commitment; it is a commitment every political party in the House gave. The parties in government and Opposition parties agreed that the direction of travel is to get to €200 per child per month in the lifetime of this Oireachtas. That commitment is in the programme for Government. It is a commitment every member of the Government has signed up to. I agree with the Deputy that we need to make more progress in the budget.”
“I have not seen that statement from the Palestinian Football Association. I take in good faith what the Deputy said. My own note tells me that the Palestinian Football Association stated: "The Palestinian Football Association expresses its appreciation for the principled positions taken by the Football Association of Ireland in support of the rights of the Palestinian people and Palestinian athletes."”
“Of course, the Ministers are not doing that at all. Let us be clear. This is a decision the FAI has to take. If we start making decisions on the floor of the Dáil in relation to running Irish soccer, God knows where we will end up. The reality is there are very clear rules that UEFA and FIFA have. Those rules specifically exclude and preclude parliaments from making decisions in relation to the governing authorities. The FAI has gone through a process, I think it has gone through a robust process. It has made a decision. The last thing any one of us would want to do is take a decision that ends up benefiting the Israeli football team and disadvantaging the Irish soccer team. I hear about what the players have had to say about not wanting pressure in relation to them.”
“I thank the Deputy for raising this issue. On foot of his raising it, I will specifically ask the Minister, Deputy Foley, to engage with him on the particular and immediate issue he is highlighting in Kildare. I take that point. When I talk about what we are going to do more broadly, he is highlighting an issue that is a factor in the here and now for people. We are significantly increasing our investment to childcare, core funding and the employment agreements for people working in childcare. We are fully committed to that €200 per child, per month in the lifetime of the Government. That is a commitment in the lifetime of the programme for Government. Myself, the Minister, Deputy Chambers, and the Taoiseach have all said we want to see progress made on that over the course of the next four budgets.”
“On foot of the Deputy raising this today, I will ask the Minister, Deputy Naughton, to visit the school with her in the near future.”