The major banks are expected to start filing their submissions with the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry from today. According to the AFR, Commissioner Kenneth Hayne wrote to the big banks in December, calling for submissions of no more than 50 pages. Since then, the banks' various marketing and media departments have struggled with the concise format specified, given the extent of misconduct at each bank. On Sunday afternoon Westpac conceded its submission was still being prepared, while a Commonwealth Bank spokesperson said: "the group is providing a consolidated response for all of its business units and subsidiaries, including CommInsure, Colonial First State, Aussie Home Loans, and advice businesses". Examples of systemic misconduct are well-documented.  As the AFR has pointed out, in calendar 2017, Australia's biggest banks paid out A$448 million in penalties, compensation, reimbursements, refunds and remediation for alleged misconduct.  However, the commission also asked for examples of any conduct "which it considers has fallen below community standards and expectations".  What is more likely to pique interest in the commission, therefore, is how many unexpected and unknown mea culpas such a demand can generate from day one on the job.