The mortgage broking industry has wasted little time pushing back against the Productivity Commission's proposed ban on trail commissions.AFG, the country's largest mortgage broking aggregator, hit out at the proposed ban on Monday, saying it would result in the major banks claiming deeper control of the home loan market.Abolishing trail payments is among the recommendations made by the  Productivity Commission in its ground-breaking review of competition in the Australian financial system.The commission argues that mortgage brokers have become part of the banking establishment because of their reliance on commissions paid by lenders."Fees and trail commissions have no evident link to customer best interests," the PC argues in its report."Trail commissions should be banned and clawback of commissions from brokers restricted."But AFG chief executive David Bailey said the removal of trail commissions would help drive market share gains for the major banks, reduce competition and drive up prices."Mortgage brokers are encouraged through trailing commission to stay with customers for the life of their loan, to review products and add value," he said."Banning the incentive to work with customers for longer durations would have a detrimental impact on the very services that brokers help provide."Bailey said the current commission structure was not broken and its removal would only hand more power to the major banks.An industry forum, comprising representatives from consumer groups, brokers and lenders, is currently considering the future of remuneration incentives in the mortgage broking sector.The commission's blunt recommendation could harden the opposition of consumer groups to trail commissions, which can sometimes give brokers a financial incentive to keep borrowers in expensive loan products or shift them out of the most competitive offers in the market.However, Bailey is adamant that brokers have played a central role in reducing home loan costs in the last twenty years."The last thing Australian consumers deserve is higher prices for lending products and less competition where banks can drive up costs for existing customers," he said.