Submissions

Submission to Treasury on the establishment of the Australian Financial Complaints Authority (ACFA) 

November 2017

Joint Consumer Group Submission

 

Submission to ASIC on strengthening penalties for corporate and financial sector misconduct

November 2017

Financial Counselling Australia's submission
 

Submission to ACCC on ATM Fees in Indigenous Communities

November 2017

Joint submission from FCA, CALC and ICAN


Submission to Treasury on Small Amount Credit and Consumer Lease Reform

November 2017

Joint Consumer Group Submission


Supplementary Submission to Treasury on Open Banking

October 2017

Joint consumer submission.


Submission to Victorian Commission for Gambling and Liquor Regulation on Sixth Review of Casino Licence and Operator


Submission to Treasury on Open Banking

September 2017

Joint submission from Consumer Action Law Centre, Financial Rights Legal Centre and Financial Counselling Australia.


Joint Submission to Productivity Commission on Inquiry into Competition in Financial System

September 2017

Joint submission from Financial Rights Legal Centre, Financial Counselling Australia and Financial Rights Legal Centre.


Joint Response to the Australian Bankers' Association's Request for Authorisation

September 2017

Joint response from Financial Counselling Australia, Consumer Action Law Centre and the Indigenous Consumer Assistance Network


Joint Submission to the ASIC Review of Mortgage Broker Remuneration

July 2017

Joint submission from CHOICE, Financial Rights Legal Centre, Financial Counselling Australia and Consumer Action Legal Centre.


Joint Submission to EDR Review - Supplementary Issues Paper

July 2017

Joint consumer group submission.


Submission to the Inquiry into Consumer Protection in the Banking, Insurance and Financial Sector

March 2017

Financial Counselling Australia's Submission


Submission to Inquiry of Better Management of Social Welfare System Initiative

March 2017

Financial Counselling Australia's Submission


Submission to the Review of the Financial System Dispute Resolution Framework (Interim Report)

February 2017

Joint Consumer Submission


Submission to DSS Discussion Paper on Financial Wellbeing and Capability Activity

January 2017

Financial Counselling Australia's submission.
 

Submission to the Public Inquiry on Disability Support Pension Administration (Audit Report)

November 2016

Financial Counselling Australia's Submission


Submission to the Productivity Commission's Report into Competition in Human Services

October 2016

Financial Counselling Australia's Submission


Submission to the Review of the Financial System Dispute Resolution Framework

October 2016

Joint Consumer Submission


Consultation on Expansion of FOS’s Small Business Jurisdiction

September 2016

Joint Consumer submission


Response to the Proposals Paper: Improving Bankruptcy and Insolvency Laws

June 2016

Improving Bankruptcy and Insolvency Laws


Submission to the Treasury Consultation on Improving Consumer Outcomes in Credit Card Usage

June 2016

Improving Consumer Outcomes in Credit Card Usage


Submission to the AER's Consultation on the Minimum Disconnection Amount

June 2016

Review of the Minimum Disconnection Amount


Submission to the Review of Federal Consumer Law 

June 2016

Review of Australian Consumer Law
 

Pre-Budget Submission to the Federal Government

February 2016

Re: Funding of Financial Counselling Services Makes Sense
 

Submission to the 'Proposed Industry Funding Model for the Australian Securities and Investments Commission' consultation

October 2015

Re: Proposed Industry Funding Model for the Australian Securities and Investments Commission Consultation Paper

Submission to the Inquiry about the proposed Debit Card Trial

September 2015

FCA Submission to the Senate Standing Committee on Community Affairs Inquiry into the Social Security Legislation Amendment (Debit Card Trial) Bill 2015

Submission to the Inquiry about Matters Relating to Credit Card Interest Rates

August 2015

FCA Submission to the Senate Standing Committees on Economics on the Inquiry into Matters Relating to Credit Card Interest Rates

Submission to the Inquiry about Tendering Processes

April 2015

FCA Submission to the Impact on Service Quality, Efficiency and Sustainability of Recent Commonwealth Community Service Tendering Processes by the Department of Social Services

2015 Pre-Budget Submission

February 2015

Further support for continued funding of financial counselling.

Submission to ASIC re: Electronic Disclosure

January 2015

FCA Response To ASIC Consultation Paper 224

Submission to the Attorney-General's Department

February 2014

Proposed Introduction of Fees for Debtors Petitions, Overseas Travel Requests and the Realisations Charge

2014 Pre-Budget Submission

January 2014

FCA's submission puts the case for the continued funding for finanical counselling services as a budget priority.

Submission to Draft Terms of Reference for the Financial Systems Inquiry 

December 2013

The FCA submission argues that the inquiry's terms of reference need to explicity recognise that the financial system must benefit consumers and the public interest. We also argue that there needs to be a focus on access to the financial system. We welcome the reference in the terms of reference to "fairness" and the recognition that financial products need to be safe.

Submission - Response to the October 2012 Proposals Paper re Review of Debt Agreements

December 2012

FCA's submission supports the majority of the proposed changes to the regulation of debt agreements, including new powers in relation to advertising and timeframes for the listing on the NPII. We suggest in addition that Key Fact Sheets could also be introduced to simplify disclosure obligations and make it easier for consumers to understand the arrangement. We remain concerned about the activities of debt agreement brokers, that fall outside the regulatory regime.

Submission - Inquiry into the Do Not Knock Register Bill

August 2012

FCA supports a private member's bill that would set up a Do Not Knock register, in the same way as we currently have a Do Not Call register. Our submission includes a number of case studies, highlighting in particular the systemic problems with door-to-door sales in ATSI communities (5 pages).

ATM Fees in Remote ATSI Communities

July 2012

Submissions to the ACCC re the authorisation of an arrangement between private ATM provider and a number of banks that will lead to fee-free ATMs in up to 85 remote Indigenous communities. FCA supports the ACCC granting the authorisation. Interim submission (10 pages) and Final submission (17 pages)

Credit Card Regulations

September 2011

FCA supports the Federal Government's proposed credit card regulations specifying that statements must have a minimum repayment warning and provide financial counselling contact details via the 1800 007 007 helpline. Read about these proposals

Payday Lending

September 2011

In September, the Government introduced a payday lending bill proposing a two-tier cap on interest rates and charges. If passed there will be a 48% all inclusive cap for amounts over $2000/2 years, and a 10% upfront charge and 2% per month for amounts below this. Read the FCA submission

National Consumer Protection Amendment (Enhancements) Bill

September 2011

The government has proposed a number of important new reforms to credit regulation that will enhance consumer protection. FCA supports proposals to restrict the term “financial counsellor”. This will stop for-profit providers using the term and misleading consumers. We also support the broadening of the hardship provisions under the National Credit Code and proposals that will see consumer leases subject to similar provisions to other credit contract. read the submission

Bankruptcy

August 2010

To Attorney-General's Department re Amendments to Bankruptcy Regulations. 5 pages. read the submission

January 2010

To Attorney-General's Department re trustee fees and other matters. 10 pages. read the submission

December 2009

To Senate Legal and Constitutional Committee re Bankruptcy Legislation Amendment Bill 2009. 17 pages. read the submission

Credit

July 2010

To ASIC responding to their draft report "Consumer Credit Legal Services in Australia" will be uploaded when available. 3 pages. read the submission

September 2009

To ASIC re Consultation Paper 112 "Dispute Resolution Requirements for Consumer Credit and Margin Lending". 4 pages. read the submission

Income Management

February 2010

To Senate Standing Committee on Community Affairs re Social Security and Other Legislation Amendment (Welfare Reform and Reinstatement of Racial Discrimination Act) Bill 2009. 11 pages. read the submission