Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

People who watch these proceedings and observed this scandal evolve over recent months will have to ask whether the Minister believes that anyone ultimately will be held accountable. Will there be any individual accountability for what happened? For example, does he believe it was an accident that all the main mortgage lenders in the State happened to make the same mistake and deny their own customers their contractual rights in a manner which was advantageous to the bank and very disadvantageous to their customers? Is it the Minister's view that this was an accident, and does he believe there will be and should be individual accountability for anyone within the institutions whose actions, inaction or decisions led to that outcome?