Banking royal commissioner Kenneth Hayne QC has defended his decision not to extend the one-year inquiry to give more consumers the chance to tell their stories.
Mr Hayne said not every complaint could be publicly examined in hearings.
"There were too many to do that," he said in his final report.
"Hence, choices had to be made and, inevitably, the choices that were made will have disappointed those not chosen."
Mr Hayne said he had to do his job promptly.
He said the decision not to seek an extension recognised the commission could provide no remedy to those who complained they were affected by misconduct.
"The most that could be done was to provide them with a public platform to voice their complaint."
Mr Hayne said his decision also recognised the central importance the health of the financial system has for the nation's economy and every member of society.
"For me, these wider considerations were determinative."
Mr Hayne said every financial services entity, whether examined in a case study or not, must look at its own conduct and the way in which it governs itself.
He again said all of the 10,000 public submissions were read and considered.
A number of consumers as well as Labor had called for the inquiry to be extended to allow more consumers to give evidence, but the government said it was up to Mr Hayne.
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