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

I wish to make it clear for those borrowers who are caught up in this. It is my belief that the opening statement has been constructed in such a way as to almost deliberately mislead people into believing that there is regulation in this area, that it is all okay and that the bank did its best for the taxpayer. I completely reject these parts of your opening statement, Mr. Masding. They were absolutely misleading.