This audio presentation examines the misconduct uncovered by the Hayne Royal Commission, which exposed unethical practices in Australia's banking sector. Listeners will learn about irresponsible lending, the "fees for no service" scandal, and systemic conflicts of interest, all of which prioritized profit over consumer welfare. The discussion highlights the failures of financial institutions, the regulatory reforms that followed, and the need for greater accountability to restore public trust. By the end, listeners will understand how mortgage brokers can play a crucial role in providing ethical, customer-focused financial services as an alternative to bank-driven profiteering.