An interesting chapter. Not many surprises, but then as you said before, with the amount of HP fanfic out there now, it's (very) hard to come up with something new that's believable. Either way, the will reading was still enjoyable.
Now for some questions:
1. Why did Harry play at being someone else when he entered the room, but then 5 minutes later announced his identity to everyone. Was it that he's not used to that kind of social maneuver?
2. I agree that Ron will frequently open his mouth before his brain engages, but why would he vent like that to someone he didn't even know (as Harry was still playing Salazar at the time) and thought was a dark wizard? Especially in front of Dumbles and his mum?
3. Draco's actions were also a little ooc, but only a little. While he certainly has the entitled mindset and something of a lack of disregard to rules, even he should have known that while in Gringotts, one's family name (and the resources that go with it) won't help should he overtly violate the Bank's Peace. Especially after the Director announced the consequences out loud at the beginning.
Anyway, I look forward to the next chapter, and hope for some more action (of whatever kind) soon. :)