Mick Wallace (Wexford, Independent) | Oireachtas source

While I am aware of that, would the Minister not agree that it worked much better when banking was less centralised, local managers knew the clients with whom they were dealing and it was much easier to build a relationship? It is very difficult for somebody from the country to get a fair deal when dealing with a centralised authority in Dublin. When properties were further underwater, there was more interest on the part of the banks in considering solutions such as mortgage to rent, parking part of the mortgage and taking the borrower's capacity on board. Since asset values have recovered, there has been less appetite on the part of the banks to engage in these solutions, the goal posts have been moved and the banks are becoming more aggressive. While the Minister cannot control them completely, he has the potential to put manners on them in this area.

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