Protocol Overview
- Published on: 29 June 2017
- Last updated on: 17 June 2024
- Background
- Protocol Oversight Committee
- Terms of reference
- Meeting dates
- Update to DSA and PIA Protocols
Background
In 2014 a Debt Solutions Protocol Steering Group was set up to initiate the development of protocols for the DSA (Debt settlement arrangement) and PIA (Personal insolvency arrangement).
The Debt Solutions Protocol Steering Group was made up of creditors and creditor representatives, personal insolvency practitioners and personal insolvency practitioners representatives, consumer and debtor representatives and the ISI itself.
In 2014 the group finalised both the standard DSA protocol and PIA protocol which was accepted and implemented by all stakeholders.
The establishment of protocols is in line with best practice in other jurisdictions and has made the insolvency application process both simpler and faster for creditors, practitioners and debtors.
Protocol Oversight Committee
A Protocol Oversight Committee was established in July 2015 to monitor how the DSA Protocol and PIA Protocol are working in practice and meets when required. The Committee is made up of:
- creditors and creditor representatives
- personal insolvency practitioners and personal insolvency practitioner’s representatives
- consumer and debtor representatives
- the ISI itself
Attendees at the last meeting (29 November 2022) are listed below.
| John Phelan | Insolvency Service of Ireland |
| Bernice Evoy | Banking and Payments Federation Ireland |
| Frank McNelis | Bank of Ireland |
| Paddy Purtill | Revenue Commissioners |
| David Hall | Irish Mortgage Holders Organisation |
| Ronan Duffy | Personal Insolvency Practitioner |
| Michael Bolger | Restructuring and Insolvency Ireland |
| Conor Ffrench | Allied Irish Bank |
| John Hogan | Personal Insolvency Practitioner |
| Stuart Bradford | Watch Portfolio Management |
| Colm Arthur | Association of Personal Insolvency Practitioners |
| Alan McGee | Association of Personal Insolvency Practitioners |
| Elaine Larke | Credit Union Development Association |
| Elaine Kenny | Courts Service |
| Tara Cheevers | Personal Insolvency Practitioner |
Terms of reference
The Protocol Oversight Committee is asked to:
- monitor how the two Protocols are working in practice
- present relevant anonymised data, as required for the sole purpose of monitoring the operation of the Protocols
- give consideration to legislation that may impact the operation of the Protocols
- create a project plan for achieving the work to be undertaken
- establish working groups, where these are necessary to progress discrete work streams
- agree how any working groups established will report to the Oversight Committee
- consider stakeholder comments when deciding on amendments to the Protocols
- make amendments to the two Protocols
- work to encourage stakeholders to adopt the amendments
Meeting dates
The Protocol Oversight Committee has met on the following dates:
- 2 July 2015
- 10 December 2015
- 26 May 2016
- 15 March 2017
- 12 September 2018
- 14 September 2021
- 18 January 2022
- 20 September 2022
- 29 November 2022
Update to DSA and PIA Protocols
The Protocol Oversight Committee agreed changes to both the standard DSA and PIA Protocols in July 2016 and June 2024.