The recently concluded Australian Royal Commission on Banking Misconduct has called on Australian banks to revise their conduct when dealing with their customers. In particular, Commissioner Hayne called on the Big Four Banks to answer for their culture of greed which involves the pursuit of short-term profit at the expense of basic standards of honesty. Explain how the current consumer protection law relating to financial institutions in Australia under Code of Banking Practice, FSR, ASIC Act and NCCPA creates conduct obligations that promote ethical behaviour during contract negotiations between financial service providers and customers. Also refer to case examples and applicable remedies. As part of your conclusion, evaluate some of the recommendation for change made by the Royal Commission in light of the above statement.