Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

According to the Honohan report, which is sourcing Financial Regulator files, which it can't cite for legal reasons, it says, "Despite this catalogue of banking deficiencies [uncovered in the inspection], the full implications of the obvious lesson[s] - that loan appraisal[s] had been wholly inadequate and personal guarantees could not to be relied upon - does not appear to have been taken on board by the regulatory system."