RBA board member Ian Harper raised the issue of bank regulation and immoral banking practices. Bank directors and executives are robbing and tricking customers to make multi-billion dollar profits and pay packets over 20 times what MP earn to run the country. They “own” APRA & AFCA. ASIC & ACCC are no match for them. Financial counsellors can’t detect dishonesty and work closely with banks. Most banks are common moneylenders like Shylock of the Merchant of Venice, with no moral scruples whatsoever. One solution is our bank loan consultancy established to help customers see the traps before they fall into them and get out if they are already trapped.