Out-of-court settlements may be cheaper, quicker and more certain than seeing a case through - but they can often feel like a cop-out.
That's particularly so when one of the parties is a regulator like the Commerce Commission.
The latest deal cut by the commission is over Westpac's marketing of interest rate swaps, a complex financial derivative product that allow borrowers to managing their interest rate exposure. Banks negotiated these swaps between 2005 and 2009 and it's believed about 1500 farmers bought them.
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In 2012, the commission began investigating whether the swaps were misleadingly marketed and in 2013 it said it expected to file legal action against ANZ, ASB and Westpac over their sale.