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

I think it is fair to say the tracker mortgage scandal was the catalyst for the formation of the culture board and that, as a result of that, the necessity for a change of culture is accepted within the sector. It begs the question as to what needs to change, arising from the handling of the tracker mortgage scandal. From Mr. Justice Hedigan's perspective, what was wrong in terms of what the banks did and how they handled it and what should have been done differently?