With the lenders being able to lower commissions and remove accreditation, one is left wondering what value is an association of brokers that says nothing. Where is there an association who protects single operators from the big and banks? Over 60% of the membership of MFAA is made up of individual brokers, anyone of them has no say in the laws and governances that MFAA are engineering. These governances protect the lenders and the consumers, not the brokers, of whom MFAA are supposed to represent.