Mr. Ed Sibley:

There are specific codes of conduct in place for dealing with SMEs, covering lending and other products, dating from 2009 and updated in 2015. There are clear protections, particularly for those SMEs that are in distress. If there are breaches of those codes, we hold the banks to account through our enforcement actions. If the Senator has specific information that we do not, we would be keen to see it and would act on it.