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I could've written that comment myself. Credit products are already heavily regulated. Don't believe me? Try and get a Credit Licence!! Commissions paid on mortgage sales are reward for broker who wades through the market to help find the right product for their client. Want people to stop using brokers to find the right mortgage? Just eliminate commissions. Wrong headed of RW to make these points with no actual evidence (to my knowledge) of a problem under the existing (regulated) space.