The conflict between the desires of mortgage brokers who want to retain a status quo where commissions are paid by mortgage originators, and consumer rights advocates who want to see borrowers pay fixed fees is going to be challenging to resolve.The final report of the Hayne royal commission, which strongly advocated for the abolition of trailing commissions. Commissioner Kenneth Hayne had  made no secret of his view that fixed fees should be paid by borrowers rather than by mortgage originators, as larger commissions for larger loans was a recipe for conflict. Subsequently, consumer representatives from CHOICE, the Consumer Action Law Centre, Financial Counselling Australia and Financial Rights Legal Centre have walked out of the Combined Industry Forum, which had been set up to discuss reform of the mortgage broking sector.In a media release published overnight, the consumer reps accused broker groups of lobbying Canberra in an attempt to derail crucial recommendations from the Royal Commission Final Report.The report had, in essence, recommended three main changes to the way the sector operates:•    make mortgage brokers act in the best interest of their clients;•    stop trail commission payments to brokers that continue for the life of a home loan and do not guarantee ongoing services; and•    phase out up front commissions paid by lenders to brokers for recommending their loans.