The Australian government's Royal Commission revealed major flaws in the country's home lending market. So far, the industry's response has been inadequate; financial services firms have yet to demonstrate how they will avoid conflicts of interest and put customers' interests first. Financial services leaders must step up by overhauling their corporate culture, selling or restructuring brokerage subsidiaries, and creating compelling direct-to-consumer offerings. This report examines the shortcomings in home lending in Australia and how leaders can rebuild trust.