Competition in the Australian financial system

Submissions

Submissions received for Competition in the Australian Financial System.

* Submissions marked with an asterisk have omitted 'In confidence' content - part or all of the submission is not online.

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Submissions received before the release of the draft report are listed here.
No.	Name	Pages	Received
1	Peter Mair (PDF - 60.2 KB)	6	24/07/2017
	Peter Mair (Word - 48.8 KB)
2	Australian Institute of Conveyancers WA Division (AICWA) (PDF - 1.7 MB)	2	02/07/2017
3	Winston Rodrigues (PDF - 233.9 KB)	36	10/08/2017
	Winston Rodrigues (Word - 116.0 KB)
4	Peter Mair (PDF - 49.7 KB)	3	17/08/2017
	Peter Mair (Word - 25.9 KB)
5	Peter Mair (PDF - 305.2 KB)	12	04/09/2017
	Peter Mair (Word - 42.7 KB)
6	National Farmers' Federation (NFF) (PDF - 460.9 KB)	14	07/09/2017
7	Credit and Investments Ombudsman (CIO) (PDF - 144.6 KB)	13	10/09/2017
8	Dixon Advisory (PDF - 267.7 KB)	2	15/09/2017
9	Xinja (PDF - 89.6 KB)	6	15/09/2017
10	eftpos Payments Australia Limited (PDF - 215.4 KB)	2	15/09/2017
11	Australian Bankers' Association (ABA) (PDF - 1.7 MB)	83	15/09/2017
12	Judo Capital (PDF - 174.7 KB)	5	15/09/2017
13	Federation of Ethnic Communities Councils of Australia (FECCA) (PDF - 131.9 KB)	4	15/09/2017
14	Australian Payments Network (AusPayNet) (PDF - 1.0 MB)	7	15/09/2017
15	Credit Union Australia (CUA) (PDF - 438.6 KB)	6	15/09/2017
16	Commercial Asset Finance Brokers Association of Australia Limited (CAFBA) (PDF - 421.5 KB)	9	15/09/2017
17	Australian Competition and Consumer Commission (ACCC) (PDF - 355.4 KB)	24	15/09/2017
18	Finance Sector Union (FSU) (PDF - 362.6 KB)	8	15/09/2017
19	PayPal (PDF - 375.3 KB)	3	15/09/2017
20	ING Bank Australia (PDF - 169.3 KB)	7	15/09/2017
21	Customer Owned Banking Association (COBA) (PDF - 3.1 MB)	145	15/09/2017
22	Australian Prudential Regulation Authority (APRA) (PDF - 535.8 KB)	25	15/09/2017
23	Consumer Action Law Centre (Consumer Action), Financial Counselling Australia (FCA) and the Financial Rights Legal Centre (Financial Rights) (PDF - 726.8 KB)	33	15/09/2017
24	Financial Services Council (FSC) (PDF - 633.8 KB)	14	15/09/2017
25	Commonwealth Bank of Australia (CBA) (PDF - 548.8 KB)	44	15/09/2017
26	Financial Planning Association of Australia (FPA) (PDF - 418.8 KB)	30	15/09/2017
	Financial Planning Association of Australia (FPA) (Word - 161.7 KB)
27	Business Council of Co-operatives and Mutuals (BCCM) (PDF - 638.2 KB)	8	15/09/2017
	Attachment 1: Raising New Capital in Mutuals - Removing the barriers to competition and choice (PDF - 903.9 KB)	9	15/09/2017
	Attachment 2: Reforms for Co-operatives, Mutuals and Member-Owned Firms (PDF - 1.6 MB)	28	15/09/2017
28	Westpac (PDF - 1.1 MB)	58	18/09/2017
29	Reserve Bank of Australia (RBA) (PDF - 679.5 KB)	44	18/09/2017
	Reserve Bank of Australia (RBA) (Word - 392.8 KB)
30	Australian Small Business and Family Enterprise Ombudsman (ASBFEO) (PDF - 625.1 KB)	4	21/09/2017
31	National Australia Bank (NAB) (PDF - 3.8 MB)	25	22/09/2017
32	Insurance Council of Australia (PDF - 282.4 KB)	18	15/09/2017
33	Insurance Council of Australia (PDF - 102.0 KB)	9	22/09/2017
34	QBE Insurance Group (QBE) (PDF - 142.0 KB)	8	22/09/2017
35	Bank of Queensland (BoQ) (PDF - 357.5 KB)	6	22/09/2017
36	Hero Broker (PDF - 58.3 KB)	9	27/09/2017
	Hero Broker (Word - 62.1 KB)
37	Regional Banks (AMP \| Bendigo Bank \| Bank of Queensland \| ME Bank \| Suncorp) (PDF - 2.4 MB)	69	27/09/2017
38	Equifax (PDF - 471.5 KB)	5	27/09/2017
39	Lateral Economics (PDF - 155.0 KB)	6	28/09/2017
	Lateral Economics (Word - 151.5 KB)
40	Australian Securities and Investments Commission (ASIC) (PDF - 755.4 KB)	104	22/09/2017
	Appendices (PDF - 843.3 KB)	112	22/09/2017
41	Caji DeSouza (PDF - 230.7 KB)	4	25/09/2017
42	CHOICE (PDF - 562.8 KB)	33	29/09/2017
43	John Dahlsen (PDF - 134.2 KB)	12	02/10/2017
	John Dahlsen (Word - 32.7 KB)
	Attachment 1: A previous submission (PDF - 93.8 KB)	5	02/10/2017
	Attachment 1: A previous submission (Word - 20.8 KB)
	Attachment 2: Submission to Banking in Australia Competition Policy Review - Financial System Inquiry (PDF - 1022.4 KB)	184	02/10/2017
	Attachment 3: Response to Financial System Inquiry Final Report 2014 (PDF - 267.2 KB)	17	02/10/2017
44	Genworth (PDF - 185.9 KB)	9	04/10/2017
45	Australian Lawyers Alliance (ALA) (PDF - 553.0 KB)	18	22/09/2017
46	Maria Rigoni (PDF - 71.4 KB)	7	12/10/2017
47	Australian Finance Industry Association (AFIA) (PDF - 100.3 KB)	2	03/10/2017
48	Mortgage and Finance Association of Australia (MFAA) (PDF - 370.7 KB)	9	20/10/2017
49	ANZ (PDF - 1.0 MB)	28	24/10/2017
50	AMP (PDF - 345.8 KB)	6	24/10/2017
	Attachment: Information for submission (PDF - 230.4 KB)	11	24/10/2017
51	Heritage Bank (PDF - 426.5 KB) * in confidence content omitted	3	10/11/2017
52	MLC Life Insurance (PDF - 319.9 KB)	18	12/12/2017

Submissions received after the release of the draft report are listed here.
No.	Name	Pages	Received
DR53	Peter Mair (PDF - 71.5 KB)	7	16/02/2018
	Peter Mair (Word - 45.3 KB)
DR54	Peter Twigg (PDF - 851.5 KB)	28	25/02/2018
DR55	John Evans (PDF - 70.2 KB)	1	01/03/2018
	John Evans (Word - 24.9 KB)
DR56	National Insurance Brokers Association of Australia (NIBA) (PDF - 259.5 KB)	11	02/03/2018
DR57	Money Quest Australia Pty Ltd (PDF - 1.4 MB)	6	05/03/2018
	Attachment 1: Credit Proposal Disclosure (PDF - 80.7 KB)	3	05/03/2018
	Attachment 2: Credit Guide (PDF - 399.1 KB)	5	05/03/2018
	Attachment 3: Media statements - 31 March 2017 and 15 February 2018 (PDF - 4.6 MB)	4	05/03/2018
DR58	TransferWise (PDF - 300.2 KB)	9	07/03/2018
DR59	TradeOff (PDF - 96.3 KB)	4	13/03/2018
DR60	WEX Australia Pty Ltd (PDF - 133.1 KB)	3	16/03/2018
	WEX Australia Pty Ltd (Word - 53.7 KB)
DR61	Chris Berg \| Sinclair Davidson \| Jason Potts (PDF - 985.1 KB)	66	18/03/2018
DR62	Insurance Council of Australia (PDF - 154.9 KB)	12	19/03/2018
DR63	Lufthansa AirPlus Serviceskarten (PDF - 109.7 KB)	3	19/03/2018
DR64	McLean Roche Consulting (PDF - 207.8 KB)	28	20/03/2018
DR65	John Reischel (PDF - 67.0 KB)	2	19/03/2018
	John Reischel (Word - 25.2 KB)
DR66	PetSure (PDF - 236.1 KB)	7	20/03/2018
DR67	Xinja (PDF - 174.3 KB)	17	20/03/2018
DR68	My State Limited (PDF - 2.5 MB)	5	20/03/2018
DR69	Joseph Ripolles (PDF - 92.1 KB)	1	19/03/2018
	Joseph Ripolles (Word - 23.8 KB)
DR70	Home Loan Experts (PDF - 391.1 KB)	13	20/03/2018
DR71	Australian Finance Group (AFG) (PDF - 582.2 KB)	10	20/03/2018
	Australian Finance Group (AFG) (Word - 166.3 KB)
DR72	Customer Owned Banking Association (COBA) (PDF - 432.9 KB)	10	20/03/2018
DR73	Canstar (PDF - 108.0 KB)	5	20/03/2018
DR74	ANZ (PDF - 914.2 KB)	30	20/03/2018
DR75	Australian Payments Network (AusPayNet) (PDF - 3.0 MB)	11	20/03/2018
DR76	MLC Life Insurance (PDF - 217.9 KB)	7	20/03/2018
DR77	Australian Taxpayers’ Alliance (PDF - 6.1 MB)	125	20/03/2018
DR78	Australian Institute of Superannuation Trustees (AIST) (PDF - 591.8 KB)	12	20/03/2018
DR79	Commonwealth Bank of Australia (CommBank) (PDF - 746.4 KB)	73	20/03/2018
DR80	REA Group Ltd (PDF - 177.1 KB)	14	20/03/2018
DR81	Financial Planning Association of Australia (FPA) (PDF - 135.2 KB)	16	20/03/2018
DR82	Reserve Bank of Australia (RBA) (PDF - 528.4 KB)	11	20/03/2018
	Reserve Bank of Australia (RBA) (Word - 98.1 KB)
DR83	Association of Financial Advisers (PDF - 254.4 KB)	4	20/03/2018
DR84	American Express (PDF - 2.0 MB)	7	20/03/2018
DR85	Finance Brokers Association of Australia Limited (PDF - 699.9 KB)	14	20/03/2018
	Finance Brokers Association of Australia Limited (Word - 91.2 KB)
DR86	MFAA (Mortgage & Finance Association of Australia) (PDF - 548.4 KB)	19	20/03/2018
DR87	Visa (PDF - 889.9 KB)	18	20/03/2018
DR88	P&N Bank (PDF - 1.2 MB)	10	20/03/2018
DR89	Gary Jackson (PDF - 345.8 KB)	6	20/03/2018
	Gary Jackson (Word - 33.3 KB)
DR90	Business Council of Co-operatives and Mutuals (BCCM) (PDF - 572.2 KB)	10	20/03/2018
DR91	Mastercard (PDF - 421.1 KB)	14	20/03/2018
DR92	Commercial & Asset Finance Brokers Association of Australia (CAFBA) (PDF - 323.3 KB)	9	20/03/2018
DR93	Institute of Public Accountants (PDF - 215.4 KB)	14	20/03/2018
	Institute of Public Accountants (Word - 457.1 KB)
DR94	National Australian Bank (PDF - 4.6 MB)	30	21/03/2018
DR95	Habitat Finance (PDF - 50.2 KB)	2	21/03/2018
	Habitat Finance (Word - 25.9 KB)
DR96	Financial Services Institute of Australia (PDF - 149.4 KB)	4	21/03/2018
DR97	CHOICE (PDF - 448.5 KB)	24	21/03/2018
DR98	Cuscal (PDF - 65.0 KB)	4	21/03/2018
DR99	CMSPI (PDF - 198.4 KB)	5	21/03/2018
DR100	Alipay (PDF - 2.5 MB)	2	21/03/2018
DR101	Australian Small Business and Family EnterpriseOmbudsman (ASBFEO) (PDF - 594.8 KB)	2	21/03/2018
DR102	HSBC (PDF - 201.6 KB)	4	22/03/2018
DR103	National Stock Exchange (PDF - 123.7 KB)	2	23/03/2018
DR104	Connective (PDF - 2.0 MB)	11	23/03/2018
DR105	Suncorp Group (PDF - 289.3 KB)	4	23/03/2018
DR106	Combined Industry Forum (CIF) (PDF - 331.8 KB)	21	23/03/2018
DR107	Regional Banks (PDF - 1.5 MB)	28	23/03/2018
DR108	Financial Services Council (FSC) (PDF - 2.5 MB)	11	23/03/2018
DR109	Darren Nelson (PDF - 2.4 MB)	75	27/03/2018
	Attachment 1: Article: Banking Bad: The buck stops with BIG GOVERNMENT (PDF - 329.5 KB)	21	27/03/2018
	Attachment 2: Coming soon	-	-
	Attachment 3: Book: The Mystery of Banking (PDF - 1.3 MB)	322	27/03/2018
	Attachment 4: Coming soon	-	-
DR110	Australian Finance Industry Association (PDF - 257.6 KB)	4	28/03/2018
DR111	FinTech (PDF - 321.5 KB)	40	28/03/2018
DR112	International Institute for Self-governance (PDF - 1.4 MB)	7	28/03/2018
DR113	Australian Retailers Association (ARA) (PDF - 220.8 KB)	12	27/03/2018
DR114	Australian Lottery and Newsagents Association (ALNA) (PDF - 101.1 KB)	2	28/03/2018
DR115	Industry Super Australia (ISA) (PDF - 292.0 KB)	9	29/03/2018
DR116	Australian Prudential Regulation Authority (APRA) (PDF - 390.5 KB)	26	29/03/2018
DR117	Australian Financial Markets Association (AFMA) (PDF - 330.8 KB)	22	29/03/2018
DR118	Maria Rigoni (PDF - 1.9 MB)	27	29/03/2018
DR119	Australian Banking Association (ABA) (PDF - 555.5 KB)	44	29/03/2018
	Attachment: Switching Behaviour (PDF - 253.2 KB)	9	03/04/2018
DR120	Insurance Council of Australia (PDF - 200.3 KB)	8	29/03/2018
DR121	Genworth (PDF - 241.4 KB)	13	29/03/2018
DR122	NPP Australia Limited (NPPA) (PDF - 1.7 MB)	21	29/03/2018
DR123	Australian Securities and Investments Commission (ASIC) (PDF - 618.4 KB)	40	29/03/2018
DR124	Mortgage Experts (PDF - 234.1 KB)	6	03/04/2018
DR125	Westpac (PDF - 1.5 MB)	96	03/04/2018
DR126	The Treasury (PDF - 816.6 KB)	24	04/04/2018
DR127	Australian Industry Group (Ai Group) (PDF - 891.7 KB)	8	04/04/2018
	Attachment 1: Financial System Inquiry second submission (PDF - 412.8 KB)	5	04/04/2018
	Attachment 2: Financial System Inquiry submission (PDF - 800.2 KB)	22	04/04/2018
DR128	Australian Remittance and Currency Providers Association Ltd (ARCPA) (PDF - 295.6 KB)	22	05/04/2018
DR129	Australian Competition and Consumer Commission (ACCC) (PDF - 386.6 KB)	17	06/04/2018
DR130	Consumer Action Law Centre (PDF - 645.0 KB)	15	10/04/2018
DR131	QBE Insurance Group (PDF - 651.5 KB)	19	11/04/2018
DR132	Australian Financial Group (AFG) (PDF - 332.8 KB)	13	11/04/2018
DR133	Australian Securitisation Forum (PDF - 178.8 KB)	6	19/04/2018
DR134	David Allen (PDF - 255.9 KB)	8	02/05/2018
	David Allen (Word - 42.2 KB)
DR135	Sue Holmes (PDF - 116.6 KB)	2	04/04/2018
	Sue Holmes (Word - 28.5 KB)
DR136	Wealth Wisdom Pty Ltd (PDF - 103.2 KB)	2	07/05/2018
	Wealth Wisdom Pty Ltd (Word - 28.3 KB)
DR137	Laminar Capital (PDF - 247.6 KB)	10	25/05/2018