Bank ownership of mortgage broking businesses is one facet of industry structure that interests the FSI."Vertical integration of mortgage broking may create conflicts of interest, which could hamper competition." it said."Mortgage brokers can improve competition by enabling smaller players to access a broader range of consumers than their standard distribution networks would allow."However, vertical integration may have the potential to distort the way in which mortgage brokers direct borrowers to lenders. The extent of this issue is not clear, it said.CBA and NAB are the main bank owners of mortgage brokers.