Undisclosed lending commissions occur when financial products, such as loans or credit cards, are sold with hidden commissions paid to brokers or advisors, without the customer’s knowledge. These commissions can influence the advice given, leading to the customer being sold a product that may not be in their best interest. Mis-selling happens when the true cost of the loan, including any hidden fees or commissions, is not clearly disclosed, leaving customers unaware of the full financial impact. Identifying and addressing undisclosed commissions is crucial for ensuring that customers are not misled into unsuitable financial agreements.