The misconduct of Australian banks identified by Financial Services Royal Commission includes:

A.

Financial institutions and their intermediaries sell products or services to customers that were inappropriate to their circumstances.

B.

Financial institutions fail to identify misconduct or, where it was identified, failing to stop it from occurring or to report it to regulators.

C.

Financial institutions fail to deal with customers fairly and openly, particularly in regards to remediation.

D.

All of the above