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13. After the receipt of the notice of the DG, notice was given to the information providers and the two banks namely the ICICI bank and HDFC. Out of the five information providers only Shri Shiv Kumar Gupta submitted a reply. He has stated that the report of the DDG is a biased one and against natural justice favouring cartel banks such as ICICI Bank and HDFC Bank. It is also the contention of Shri Gupta that the figures given by the DDG were faulty, wrong and biased and were used to favouring cartel members. It was argued that the methodology used was against the public at large and it encouraged the cartel bankers so that they could run officially the biggest fraud in the country under the umbrella of liberalization policy of the RBI. It was stated that his data compiled from the RBI official records was not considered by the DDG while preparing the report. In the view of Shri Gupta DDG knowingly narrowed the area / scope of investigation for home loan ignoring overall market position of the bankers in personal finance. According to Shri Gupta the RBI data was a significant one showing cartelization structure of the banks. It was stated that the report of the DDG is a biased one on the ground that the banks did not enjoy a dominant position. It was therefore stated that the CCI should use its statutory power in the larger interest of the consumers of the banks and that a broader investigation in a transparent manner should be carried out about the cartelization of the banks and their dominant position. It has been stated that all the other bankers also follows the same practice due to the loose policy of the RBI.