John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

However, the vultures, the greedy group behind these agents, are not regulated. They dictate to the agents what they can and cannot do. Even though Ulster Bank has customers who could possibly afford their loan, should they be written down and perhaps not even by as much as the vulture fund sale price, the bank is not willing to talk to them. Mr. Stanley and his bank are presenting the argument that it is moral hazard.