Mr TIM WILSON (Goldstein) (15:46): I think I should probably start by responding to something said by the previous speaker. In particular, I think it is disgraceful that she got up here and used the phrase she did at the end of her speech. In this parliament we set standards about conduct and manner, and sometimes we get a bit boisterous, shall we say. Sometimes we get up and say things that might challenge and we have robust debate. But when you get another member getting up and calling everybody on one side of the chamber 'simply gutless wonders' because they will not do what you want them to do on an issue of policy—where you might actually have a genuine disagreement—the person who says that stands condemned. Mr Champion: Poor snowflake. Mr TIM WILSON: And you would think the people on the other side of the chamber might have a bit of class and just accept the criticism and move on. But let us move on and deal with the substantive issue, which is around this rather pointless motion, which frankly makes a mockery of this chamber: the idea that a government should stand condemned for a falsified debate that the opposition is running because they seek to achieve political advantage. The previous speaker spoke about how eventually a person might pay a consequence of a levy. Who else is going to? Who? There are only people who live in this society, in this country, in this economy. Of course a person is eventually going to pay the cost of a levy, a tax. Just about everything you do in this place imposes higher costs and higher levies, and eventually it is paid for by people. But you have a fictitious idea of who exists in our society. There are these people at the top end who you envy and you promote hatred towards because you cannot stand them for their success. Why do you not actually recognise that everybody in this society has a responsibility to carry the consequences, to share the burden equally, and to make sure that we all have an investment in the future of this country? So the fictitious nature of this debate—this class envy that has been pushed out there by the opposition, for no benefit apart from the rhetorical arms which they throw out in this chamber—simply makes a mockery of this chamber. There are some home truths. The reality is that banks provide a useful service to the Australian community. Last time I checked, most people could not just afford to buy their own home without some assistance from the banks. So what do they do? They engage in a transaction. Mr Champion interjecting— Mr Hammond interjecting— The DEPUTY SPEAKER ( Mr Coulton ): The member for Perth and the member for Wakefield have had their turn. Mr TIM WILSON: They go off and speak to the person at the bank. They show documents and they try and establish their equity. They then go off and buy a home. And then they go and build their family and their future, with security. I think that is actually a pretty noble service, frankly. That somebody believes strongly in building a country from the bottom up, from the citizen up, the idea that individuals can form families, build community and the foundations for country is actually something of which we should be appreciative—all of us; it is a good thing. But that does not mean that sometimes even those service providers get things wrong. They do. People who get elected to parliament even get things wrong sometimes, believe it or not, such as this ridiculous motion. The question is: how do you deal with it? When problems come up, do you address them? Do you try to get the banks to solve them themselves? If you do not, you design properly designed regulations and frameworks in law to make sure that they are held to account. Or, do you create a pointless and needless and expensive witch-hunt? Actually, those opposite have chosen the latter. And do you know what the government is doing? The government is creating a sensible and practical level of regulation for the banks so that people who have problems can have them addressed. If you have an issue today with a bank—it does not matter who you are; you could be on our side of politics or your side of politics, of the 24 million people in this great country—you can go to an agency that will help. We are setting up a one-stop shop, an Australian financial complaints authority, which creates an external dispute resolution model and greater transparency for internal dispute resolution by financial firms. Opposition members interjecting— Mr TIM WILSON: I see the members opposite now starting to shift away and move around, because it might be making them feel a bit uncomfortable, when the government actually comes along and produces a practical, sensible, outcomes-driven improvement in the banking sector to address the problems Australians are experiencing, unlike the absurdity of what they are proposing in their motion. And in the end, banks will be held accountable, through both regulation and the marketplace. The DEPUTY SPEAKER ( Mr Coulton ): Before I call the member for Wills, I remind the member for Goldstein to address his remarks through the chair, and that goes for the other speakers as well. I also remind some of the members on this side who are not in their correct places that it is disorderly if they call out.