Australians have lost millions to bank scammers, but a recent decision by the Australian Financial Complaints Authority may help redress the imbalance between scammers and banking customers. AFCA recently ordered HSBC to compensate HSBC customer Mr T more than $47,000, after scammers infiltrated the bank's text message system and, posing as bank employees, tricked him into divulging his banking codes. The AFCA decision may pave the way for other affected customers to be reimbursed by the bank. While the Federal Government has released draft legislation for a new scams prevention framework, consumer groups say the move will not ensure victims are reimbursed by their banks.