Setting the scene yesterday for today's investigation of CBA and subsidiary Aussie Home loans at the Royal Commission into banking industry misconduct, was Mark Harris, owner of from The Home Loan Broker, who has been an outspoken critic of CBA's behaviour towards independent mortgage brokers. Harris uses aggregator AFG, and currently has 23 accreditations with lenders, including Westpac, National Australia Bank, Suncorp, Bank of Queensland, Liberty, and Bluestone.According to his testimony yesterday, Harris has almost 20 years' experience as a mortgage broker, and set up his own business in 2013.Counsel assisting, Rowena Orr, took him to the key parts of an email he received last year from CBA: "we see two paragraphs at the start that deal with CBA's commitments to customer outcomes and monitoring of mortgage brokers.And then there were these two paragraphs:"As part of this ongoing monitoring, we have identified that you have not been active with Commonwealth Bank for some time. Accordingly, we have made the decision to resign your accreditation with the Commonwealth Bank in accordance with our agreement with your head group and have advised your head group [the aggregator] of this decision.""The purpose of this letter is to provide you 14 days notice commencing from the date of this notice that the bank will exercise its right to revoke your authority to act. This means you will no longer be able to submit home loan applications."Harris asserted had done nothing wrong that would have provoked an initial warning, for instance, there were no customer complaints.During an email exchange he was told his accreditation "has been called into review ...as a result of low volumes over recent years."Harris said his reaction has been to exclude CBA business development managers from contact with his team, and to advocate against CBA.Today Daniel Huggins, the Commonwealth Bank's executive general manager home buying, will appear, along with three executives from CBA subsidiary Aussie Home Loans: Giles Boddy, appointed chief financial officer at Aussie in 2016; Lynda Harris, Aussie's general manager people and culture; and David Smith, Aussie's general manager of strategy and product.