Submission Archives - Consumer Action Law Centre

Licensing debt management firms: Exposure draft regulations

While some businesses stepped up to help Australians to recover from the COVID-19 crisis, others have simply sought to profit from people’s desperate financial circumstances. Debt management firms(...

Submission: Consultation on revision to the new Prudential Standard APS 220 Credit Risk Management

This submission is from Consumer Action Law Centre, Financial Rights Legal Centre, Victorian Aboriginal Legal Service, CHOICE, Financial Counselling Australia, Consumer Credit Law Service (W...

Right to Repair submission to Productivity Commission Inquiry

Consumer Action Law Centre (Consumer Action) welcomes the opportunity to provide feedback to the Productivity Commission Inquiry into a right to repair. The ability for consumers to access afford...

Submission: National Consumer Credit Protection Amendment (Supporting Economic Recovery) Bill 2020

This submission is made on behalf of Consumer Action Law Centre (Consumer Action), Financial Rights Legal Centre (Financial Rights), Financial Counselling Australia, Consumer Credit Legal Service (WA)...

Submission from the Stop the Debt Trap Alliance: National Consumer Credit Protection Amendment (Supporting Economic Recovery) Bill 2020

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Product intervention power for continuing credit contracts – some further considerations

Consumer Action, Financial Rights Legal Centre and WEstjustice have made a second submission to the Australian Securities and Investment Commission’s (ASIC) Consultation Paper 330 (CP 330), in which A...

Treasury consultation: Consumer Credit Reforms our submission

A coalition of consumer advocates have published a submission on exposure draft legislation that would repeal responsible lending laws in the National Consumer Credit Protection Act. The submission p...

Stop The Debt Trap Alliance supports South Australian Bill for enhanced consumer protections

The Stop The Debt Trap Alliance has provided feedback on the draft Fair Trading (Small Amount Credit Contracts and Consumer Leases) Amendment Bill 2020 (SA). The Alliance) is a coalition of consume...

We support enhanced protections for South Australians from payday loans and high-cost leases

Consumer Action has provided a submission on the draft Fair Trading (Small Amount Credit Contracts and Consumer Leases) Amendment Bill 2020 (SA) (the SA Bill). Consumer Action strongly supports the...

The Rooftop Solar Sector Review: Our Submission

Consumer Action Law Centre (Consumer Action) welcomes the opportunity to provide input into the Clean Energy Regulator’s (CER) review into the rooftop solar photovoltaic (PV) sector. There has been...

Modernising the Telecommunications Industry Ombudsman Terms of Reference

Westjustice, Consumer Action Legal Centre (‘Consumer Action’), Financial Rights Legal Service(‘FRLS’), and Financial Counselling Australia (‘FCA’) provide legal casework and financial counselling serv...

Victorian Default Offer 2021 – Draft Decision

Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the Essential Service Commission’s (the Commission) Victorian Default Offer 2021 Draft Decision (the Draft Decision)...

Not serving the community: Why we oppose the Cashless Debit Card scheme

Consumer Action seeks to enhance the rights of consumers and promote a marketplace where business plays fair. The Cashless Debit Card (CDC) undermines the role of the market in serving consumer and...

Telecommunications Consumer Safeguards: Choice and Fairness

Consumer Action, WEstjustice, VALS, FCVic, BCLS, HRCLS and HAAG consider it beyond dispute that telecommunications services, including internet services and mobile phones, are necessary for social inc...

Modernising the Telecommunications Industry Ombudsman Terms of Reference

WEstjustice, Consumer Action Legal Centre, Financial Rights Legal Service, and Financial Counselling Australia provide legal casework and financial counselling services to consumers, particularly thos...

The sale of add-on financial products through car yard intermediaries

Consumer Action Law Centre, Financial Rights Legal Centre and WEstjustice have made a submission to the Australian Securities and Investment Commission (ASIC) Consultation – Product intervention: The...

Inquiry into Victoria’s Response to COVID-19

COVID-19 has deeply affected the Victorian community in unprecedented ways. With a significant number of job losses and most of the population staying at home in compliance with public health orders,...

Using the product intervention power: Continuing credit contracts

The Australian Securities and Investment Commission (ASIC) is consulting on using its product intervention powers (PIP) against the second Cigno lending model. Consumer Action Law Centre (Consumer...

Submission to the Essential Services Commission on the Victorian Default Offer

Consumer Action has made a submission to the Essential Services Commission on the Victorian Default Offer electricity price that is to apply from 1 January 2021. We consider that there is room to r...

Supporting energy customers through the coronavirus pandemic – Draft Decision

COVID-19 has caused significant disruption to households in Victoria and has highlighted the need to ensure that people’s health is not put at risk because of barriers to accessing energy for appropri...

Submission supporting the re-authorisation of the Solar Code

Consumer Action has supported the Clean Energy Council (CEC)’s application for re-authorisation of the Solar Retailer Code of Conduct (the Solar Code). Principally, we support the application to avoid...

Submission: Essential Service Commission’s Electricity Distribution Code review

Consumer Action has commented on the Essential Service Commission’s (ESC) Electricity Distribution Code review – customer service standards draft decision (Draft Decision). We generally support the pr...

Submission to the Parliamentary Joint Committee’s Class Action Inquiry

Class actions provide Australians a valuable mechanism for accessing justice where systematic or repetitive conduct by the same party has caused similar harm to numerous individuals. Class actions als...

Comment to the Class Action Inquiry

Consumer Action has provided comment to the Parliamentary Joint Committee’s inquiry, Litigation funding and the regulation of the class action industry (Class Action Inquiry). Class actions p...

Submission: Maximum prices for embedded networks and other exempt sellers

Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the Essential Service Commission’s (ESC) Maximum prices for embedded networks and other exempt sellers Draft Decisio...

Submission to the Senate Select Committee on COVID-19

Our clients have been affected by the COVID-19 emergency, and the Australian Government’s response, in a number of ways. In many cases we have experienced a short-term decrease in demand on financi...

Submission: Bushfire Royal Commission and insurance affordability

Consumer Action’s submission to the Royal Commission into National Natural Disaster Arrangements covers the insurance and financial challenges faced by communities in the aftermath of the Black Summer...

Consumer group tells Bushfire Royal Commission that climate change is creating a perfect storm for insurance affordability

Consumer Action has warned that climate change is expected to make insurance unaffordable for many as extreme weather events hit Australia as part of its submission to the Bushfire Royal Commission re...

Joint Submission: Implementing the Royal Commission recommendations: Mortgage brokers and the best interests duty

A joint consumer submission from Consumer Credit Legal Service (WA), CHOICE,Consumer Action Law Centre, Financial Counselling Australia and Financial Rights Legal Centre. It’s time to make mortgage...

Product design and distribution obligations –ASIC Consultation Paper 325

Consumer groups have commented on ASIC’s Consultation Paper 325 – Product design and distribution obligations. We strongly support the introduction of product design and distribution obligations (DDOs...

Assessing the energy retail market’s competitiveness and efficiency

Consumer Action has provided a submission to the Essential Services Commission’s (ESC) consultation "Assessing the competitiveness and efficiency of the Victorian energy retail market" The submissi...

Treasury consultation: Enhancements to Unfair Contract Term Protections

Consumer Action has provided a joint submission to Treasury's consultation on Enhancements to Unfair Contract Term (UCT) Protections. Nearly a decade of the current UCT legislative regime has not e...

Joint submission: Re: Financial Regulator Assessment Authority Bill 2020

This is a joint consumer submission from Financial Rights Legal Centre, CHOICE and the Consumer Action Law Centre to Treasury providing comment on the Financial Regulator Assessment Authority Bill 202...

Joint submission to the Treasury re: Duty to take reasonable care not to make a misrepresentation to an insurer

This is a joint consumer submission from the Financial Rights Legal Centre, Consumer Action Law Centre, CHOICE, the Public Interest Advocacy Centre, Financial Counselling Australia, and the Consumer C...

Joint submission: Exposure draft – Deferred sales model for add-on insurance – FSRC Rec 4.3

This submission has been prepared by Consumer Action Law Centre with contributions and endorsement from Financial Rights Legal Centre, Financial Counselling Australia, CHOICE, Consumer Credit Law Cent...

Joint submission: Exposure draft – No hawking of financial products – FSRC Rec 3.4 and 4.1

This submission has been prepared by Consumer Action Law Centre with contributions and endorsements from Financial Rights Legal Centre, CHOICE, Consumer Credit Legal Service (WA), and Financial Counse...

Joint submission: Strengthening breach reporting

This is a joint consumer submission from Consumer Credit Legal Service (WA), CHOICE, Consumer Action Law Centre and Financial Rights Legal Centre. We strongly support proposed reforms to the breach re...

Joint submission: Enforceability of financial services industry codes

This is a joint submission by Financial Rights Legal Centre, the Consumer Action Law Centre, CHOICE, Financial Counselling Australia, Consumer Credit Legal Service (WA) and the Consumers’ Federation o...

Joint submission re: Exposure Draft Implementation of ASIC Enforcement Review Taskforce – Directions Power

This submission has been drafted by Consumer Action Law Centre with contributions and endorsement from Financial Rights Legal Centre, CHOICE, Consumer Credit Legal Service (WA), and Financial Counsell...

Joint submission re: Exposure Draft: Cap on vehicle dealer commissions

This submission has been drafted by Consumer Action Law Centre with contributions and endorsement from Financial Rights Legal Centre, CHOICE, Financial Counselling Australia, and Consumer Credit Legal...

Joint submission: Financial Services Royal Commission Recommendations 4.6 – Limiting avoidance of life insurance contracts

Joint submission: Financial Services Royal Commission Additional commitment in response to Recommendation 4.2 – Restricting the use of the term ‘insurance’ and ‘insurer’

This is a joint submission from the Financial Rights Legal Centre, Consumer Action Law Centre, CHOICE, Financial Counselling Australia and Consumer Credit Legal Service (WA) and provides comment on th...

Joint submission: Re: Ongoing fee arrangements and disclosure of lack of independence

This is a joint consumer submission from Financial Rights Legal Centre, CHOICE and the Consumer Action Law Centre. Read the full submission [here] ...

Households in embedded networks need fair electricity prices
Maximum prices for embedded networks and other exempt sellers Consultation Paper

Households in embedded networks are often in effective monopoly situations with little regulatory oversight. For this reason, they need the same or better protections than their peers with conventiona...

Time’s up: Government must step up and pass payday lending and rent-to-buy reforms
Submission to the Senate Economics Legislation Committee

Consumer Action's submission to the Senate Economics Legislation Committee calls on Parliament to pass the National Consumer Credit Protection Amendment (Small Amount Credit Contract and Consumer Leas...

Establishing a Compensation Scheme of Last Resort

Consumer groups have made a joint submission to the Treasury’s Discussion Paper, Implementing Royal Commission Recommendation 7.1 – Establishing a Compensation Scheme of Last Resort (December 2019). T...

Maintain households’ rights when accessing essential energy services
Australian Energy Market Commission Issues Paper 2; Consumer Protections in an Evolving Market: Traditional Sale of Energy - 2020 Retail Energy Competition Review

As new energy products and services create more options for consumers to access energy offers with non-conventional pricing or features, the complexity of making decisions increases and poses more ris...

Implement strong protections to ensure households benefit from new energy technology
Australian Energy Market Commission Issues paper one: Consumer Protections in an Evolving Market: New Energy Products and Services - 2020

Consumer Action’s legal and financial counselling services have regularly assisted consumers experiencing harm as solar technology grows in popularity in Victoria. Our Power Transformed, Knock It Off!...

Delivering on the promise to ban vendor terms and rent-to-buy agreements from Victoria’s housing market
Consumer Affairs Victoria – Sale of Land (Exemption) Regulations 2020, Implementation Consultation

Over the years, our team has assisted a number of people who have been adversely affected by failed vendor finance and rent-to-buy deals, which are promoted as an opportunity to achieve home ownership...

Critical moment to fix and prevent systemic mis-selling of junk insurance and warranties through caryards
Australian Securities and Investments Commission – Product intervention: The sale of add-on financial products through caryard intermediaries

Since 2016, Consumer Action’s free tool, DemandaRefund.com has helped people to generate over 9,000 demands totalling an estimated $17 million in refunds for junk consumer credit insurance (CCI), guar...

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