Department of Housing, Local Government and Heritage Copies of all correspondence between the Department of the Environment, Community & Local Government and/or its working group on mortgage arrears and stakeholders including approved housing bodies, the Irish Council for Social Housing and the banking sector, and the Banking and Payment Federation of Ireland, between 01/06/2013 and 23/06/2015, on mechanisms to deal with mortgage arrears, particularly the on the mortgage-to-rent scheme.