There is no question that many of the findings of the Hayne Commission and recommendations made by APRA to address ethical breaches in organisations, point to building a more inclusive culture- such as creating the psychological safety for people to demonstrate curiosity, to express diverse perspectives, to counteract group think, and to leverage diversity of thought- all in the interest of adopting a more conscious approach to making more ethical decisions. Whilst no direct reference has been made to building a more inclusive culture to achieve these objectives by the Commission or APRA- it is clear to those who understand what constitutes inclusion in the 21st century, that building an inclusive culture is precisely what needs to be done.