The Royal Commission into banking misconduct will tolerate no censorship by Commonwealth Bank of documents relating to its CreditCard Plus insurance product, the commission ruled on Friday.In August 2017 ASIC announced that CBA would "refund over 65,000 customers approximately A$10 million, after selling them unsuitable consumer credit insurance."CBA "sold 'CreditCard Plus' (insurance for credit card repayments) to 65,000 customers who were unlikely to meet the employment criteria and would be unable to claim the insurance," ASIC said at the time.This is no doubt one incident in the compendium of mischief by the bank over the last ten years supplied by Commonwealth Bank to the Hayne royal commission."CBA credit insurance in connection with home loans, personal loans and credit cards" is listed as a case study under the heading of  "Add-On Insurance Products" for the commission's first round of hearings, which commence on Tuesday next week in Melbourne. The bank still offers customers this product, which provides payment cover in the event of unemployment for those working at least 15 hours a week when they agreed to take out the cover.In a "reasons for ruling", the commissioner Kenneth Hayne, explained that CBA made "an application for a direction to be made … with respect to parts of a draft statement of evidence to be given by an employee of CBA about the [CreditCard Plus] product, and … the contents of certain documents that CBA proposes to exhibit to the final statement."CBA's application, the ruling said, "sets out four paragraphs of generally expressed grounds and alleges that the documents and the identified parts of the draft statement fall within 'one or more' of those grounds. "No more particular connection is made between the grounds and the documents or identified information. No attempt is made to demonstrate how or why the publication of a specific document or the publication of identified information referred to in a document would have any of the several different effects alleged in the application."Taking an irritated tone, Hayne wrote that "general assertions are made that certain kinds of communication, such as, for example, communications between CBA and regulators, are confidential. Why the particular communications should be treated in this way is not explained."Hayne did, however, use this first such ruling to make clear that "I encourage the approach adopted by CBA of making an application … whilst the relevant statement is still in draft. "This assists with the efficient operation of the Commission and conduct of its hearings," Hayne said.