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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

Post-draft submissions (85)

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