I take your point but I think the recommendation refers to the lenders to whom the broker are aligned. A broker would make a customer aware from the beginning which lenders they are aligned with. The customer should then be recommended the loan that best suits them from the list of available lenders.
Most of the recommendations in the report are akin to getting whacked with a wet lettuce leaf. I can't see too much changing when the system gets hit with harsh recommendations such as "All financial companies should assess their own culture and governance."
