Brian Lenihan Jnr (Dublin West, Fianna Fail)

The banks are the persons who advanced the loans, not the persons who own the loans. The person who owes the money is the developer, the builder or the borrower, and he or she is being held to account for his or her full liabilities. I do not accept that the homeowner can be administered by NAMA, which has a commercial mandate and which is there to make money for the taxpayer, and that the-----