(1) Whether the Government and/or any of its entities has undertaken an assessment regarding negative economic impact on persons who have adverse credit records or default judgements (details furnished); if not, what is the position in this regard; if so, (a) what initiatives have been taken to assist persons who find themselves in similar situations and (b) what are the further relevant details; (2) whether the Government will consider engaging credit bureaus to offer grace periods for debt arrangements for persons’ names to be removed from credit records; if not, why not; if so, what are the relevant details?