Submission - Consumer Action Law Centre

Submission: Post Implementation Review of Ban on Mortgage Exit Fees

Consumer Action has contributed to the Post Implementation Review of the ban on mortgage exit fees. Briefly, this submission supports the existing ban on mortgage exit fees; argues that ava...

Submission: Carbon tax repeal legislation

Consumer Action generally does not support repeal of the legislation that is not linked to imposing a price on carbon emissions, given the dire consequences for Australians from predicted impacts of c...

Submission: Access to Justice Arrangements

Consumer Action has provided a submission to the Productivity Commission on its Issues Paper, Access to Justice Arrangements. The key points and recommendations made in this submission are: The inq...

Joint submission: Independent Review of the Financial Ombudsman Service

Consumer Action and Consumer Credit Legal Centre (NSW) have coordinated and written a consumer submission to the independent review of the Financial Ombudsman Service. The submission contains contribu...

Submission: The performance of the Australian Securities and Investments Commission

Consumer Action Law Centre has made a submission to the Senate Economics References Committee inquiry into the performance of the Australian Securities and Investments Commission (ASIC). Briefly: w...

Submission: Guidelines for Complaint Handling in Organisations

Consumer Action has commented on the draft Revision of AS ISO 10002-2006: Guidelines for Complaint Handling in Organisations. We support the draft guidelines, but have made a number of recommendation...

Submission: Review of Enforcement Regime for National Energy Laws

Consumer Action has made a submission to the Standing Council on Energy and Resources in relation to its Review of National Enforcement Regimes for National Energy Laws. Consumer Action believes regul...

Submission: Draft Australian Energy Regulator stakeholder engagement framework

Consumer Action has provided comment on the Australian Energy Regulator’s (AER) Draft Stakeholder Engagement Framework. We believe the Draft provides a strong foundation for the AER to engage with it...

Submission: Credit hardship obligations—outstanding issues

Consumer Action, Consumer Credit Legal Centre NSW, and Financial Counselling Australia have made a joint submission on Australian Securities and Investments Commission's discussion paper Credit Hardsh...

Joint submission: Essential Services Commission harmonisation of the Energy Retail Code and Guidelines with the National Energy Customer Framework Draft Decision

Consumer Action has contributed to a joint submission on the Essential Services Commission Harmonisation of the Energy Retail Code and Guidelines with the National Energy Customer Framework Draft Deci...

Submission: Regulatory impact statement on retirement village contract and disclosure options

Consumer Action has provided comments on the Regulatory Impact Statement for the Retirement Villages Amendment (Records and Notices) Regulations 2013 and the Retirement Villages Amendment (Contractual...

Submission: Proposed Changes to Regulatory Instruments Relating to Flexible Pricing of Electricity

Consumer Action has provided comment on the Essential Services Commission’s Draft Decision in relation to Proposed Changes to Regulatory Instruments Relating to Flexible Pricing of Electricity. Energy...

Submission: Limited merits review – consultation draft legislation

Consumer Action has provided comment on the exposure draft Statutes Amendment (National Electricity and Gas Laws—Limited Merits Review) Bill 2013. Our comments are aimed to ensure the legislation enac...

Submission: Review of the Energy Saver Incentive Scheme

Consumer Action has provided input to the Review of the Energy Saver Incentive (ESI) Scheme. In short, our submission says: the promotion of energy efficiency products and services through door-to-d...

Submission: Credit card surcharges and non-transparent transaction fees

Consumer Action Law has made a submission to the Commonwealth Consumer Affairs Advisory Council’s study into Credit Card Surcharges and Non-Transparent Transaction Fees. We believe the key problems i...

Submission: Review of the Benchmarks for Industry-based Customer Dispute Resolution Schemes

Consumer Action has made a submission to the Commonwealth Consumer Affairs Advisory Council review of the benchmarks for industry dispute resolution schemes. In broad terms, we strongly support the b...

Submission: Exposure Draft Insurance Contracts Amendment (Unfair Terms) Bill 2013

Consumer Action, the Insurance Law Service and Legal Aid New South Wales are broadly very supportive of the Exposure Draft Insurance Contracts Amendment (Unfair Terms) Bill 2013. Unfair contract term...

Submission: Proposals to strengthen regulation of debenture companies

Consumer Action has provided a submission to the discussion paper, Banking Act exemptions and section 66 guidelines, published by the Australian Prudential Regulation Authority. The discussion paper p...

Submission: Joint Consumer Submission to the Water Price Review 2013 draft decision

We welcome the Essential Services Commission’s overall approach articulated in their Draft Decision on the Water Price Review 2013. In summary, this submission states as follows: 1. We are pleased th...

Joint Submission: Changes to Disclosure Requirements under the National Consumer Protection Act 2009

Consumer Action and the Consumer Credit Legal Centre welcomes Treasury's approach of basing revised disclosure on the findings made by the Uniquest report. Uniquest was commissioned by the Standing Co...

Joint submission: Credit Reporting Privacy Code

Consumer Action has, in conjunction with five other consumer and privacy advocate organisations, made a submission to the review of the Credit Reporting Code of Conduct. An industry code should be se...

Submission: The exemption of retailers from the National Consumer Credit Protection Act 2009

Consumer Action has made a submission on Treasury's Discussion paper regarding the exemption of retailers from the National Consumer Credit Protection Act 2009. Briefly, this submission: supports o...

Submission: Commonwealth Treasury consumer leases issues paper

Consumer Action has made a submission to the Commonwealth Treasury on regulation of consumer leases. The submission argues that the purpose of any reform of regulation of consumer leases should be to:...

Submission: Exposure Drafts of the National Consumer Credit Protection Amendment (Credit Reform Phase 2) Bill 2012

The Consumer Action Law Centre welcomes the opportunity to comment on the draft National Consumer Credit Protection Amendment (Credit Reform Phase 2) Bill 2012. Briefly, this submission: strongly s...

Submission: Federal Government’s independent review of Centrepay, Centrelink’s voluntary bill-paying service

The Consumer Action Law Centre welcomes the opportunity to comment on the independent review of the Centrepay system. Consumer Action believes that Centrepay can be a valuable financial management too...

Submission: ASIC Consultation Paper on an online database for small amount lenders

Joint submission with Financial Counselling Australia and the Consumer Credit Legal Service (WA) to ASIC's Consultation Paper on an online database for small amount lenders. The Consumer Action Law Ce...

Submission: Proposed variation to Numbering Plan – charges for calls to free-phone and local rate numbers

Consumer Action believes the Australian Communications and Media Authority's proposal of amending the numbering plan to make 1800 numbers free of charge and 13 and 1300 numbers (hereafter '13 numbers'...

Submission: Essential Services Commission Victoria Harmonised Energy Retail Code

The signatories to this submission represent the interests of the majority of Victorian residential and small business energy consumers – being particularly cognizant of the special needs of low incom...

Submission: Victorian Civil and Administrative Tribunal Fees Regulations

Consumer Action welcomes the opportunity to comment on the Department of Justice’s Regulatory Impact Statement (RIS) for the proposed Victorian Civil and Administrative Tribunal Fees Regulations. In...

Submission: Limited merits review of decision-making in the electricity and gas regulatory frameworks

Consumer Action's submission to the Consultation Regulatory Impact Statement on the framework for limited merits review of decision-making in electricity and gas regulation argues that Option 3, Amend...

Submission: Water Price Review 2013-2018

Consumer Action and the Consumer Utility Advocacy Centre Ltd have made a joint submission to the Metropolitan and Regional Businesses Water Plans for 2013-2018. Our comments in this submission apply...

Submission: Taxi Industry Inquiry—Response to Final Report

Consumer Action has made a submission on the Taxi Industry Inquiry’s Final Report, Customers First—Service, Safety, Choice. This report is an important one. The taxi industry is one where consumers...

Submission: Single pricing requirements – proposal to exempt restaurants and cafes

Consumer Action welcomes the opportunity to comment on the proposed amendments to the Australian Consumer Law in Schedule 2 of the Competition and Consumer Act 2012 (Cth). Precedent of exemptions wit...

Submission: Consumer Affairs Victoria’s review of section 32 of the Sale of Land Act

Consumer Action’s submission to Consumer Affairs Victoria's review of section 32 of the Sale of Land Act makes the following general points: we support efforts to reduce regulatory burden, but cutti...

Submission: Electricity network regulatory frameworks—Productivity Commission draft report

Consumer Action has responded to the Productivity Commission's Draft Report on Electricity Network Regulatory Frameworks. We have found the Commission‘s review of the Electricity Network Regulatory F...

Submission: Review of debt agreements under the Bankruptcy Act 1966 – Proposals Paper

Consumer Action has made a submission to the Review of Debt Agreements under the Bankruptcy Act 1966 proposals paper. Our submission: reiterates our recommendation that the Bankruptcy Act should be...

Submission: Consumer lease reform

Consumer Action has made a submission to Commonwealth Department of Treasury on cost disclosure and termination fees in consumer lease contracts. The submission argues that: there is no difference...

Submission: Review of Limited Merits Review for Energy Pricing Determinations

Consumer Action has provided a submission to the Standing Council on Energy & Resources on the Final Report of the Expert Panel set up to examine the Limited Merits Review Regime for energy determ...

Supplementary Submission: Senate Select Inquiry on Electricity Pricing

Consumer Action has written to the Senate Select Committee on Electricity Prices in response to the written questions it provided on 5 October 2012. The committee has asked the following questions:...

Submission: The definition of ‘terms contract’ under the Sale of Land Act 1962

Consumer Action has provided comment on Consumer Affairs Victoria's discussion paper on the definition of 'terms contract' under the Sale of Land Act 1962. We have argued that: the 2008 amendment t...

Submission: Australian Energy Market Commission’s Power of Choice Review, Draft Report

In this submission, Consumer Action argues that the Australian Energy Market Commission (AEMC) has not adequately considered many of the practical implications of proceeding with its recommendations,...

Submission: Economic Regulation of Network Service Providers—Draft Determination

Consumer Action welcomes the opportunity to provide comments on the Draft Determination of the Australian Energy Market Commission in relation to the Economic Regulation of Network Service Providers R...

Submission: ATM fees in selected very remote Indigenous communities

Consumer Action has supported the ACCC's draft determination on the Australian Bankers' Association (ABA) proposal to reduce ATM fees in selected very remote Indigenous communities. Financial Counsel...

Submission: Proposed regulations for the Privacy Amendment (Enhancing Privacy Protections) Bill

Consumer Action has made a submission to the Commonwealth Attorney-General's Department on proposed regulations for the Privacy Amendment (Enhancing Privacy Protections) Bill. This submission discusse...

Joint submission: Regulation of water retailers’ Debt Management Powers Consultation Paper

The Consumer Action Law Centre, Consumer Utilities Advocacy Centre, Victorian Council of Social Services, Community Information and Support Victoria, Uniting Care Kildonan, National Seniors Australia,...

Submission: Response to draft regulations to support the Consumer Credit Enhancements Bill 2012

Consumer Action welcomes the opportunity to comment on Regulations to support provisions in the Consumer Credit Legislation Amendment (Enhancements) Bill 2012. Briefly, we have serious concerns about...

Submission: review of limited merits review discussion paper three

This submission responds to the Third Consultation Paper of the Expert Panel reviewing the Limited Merits Review regime for energy regulatory decisions. Read our submission: submission to Limited mer...

Submission: Key facts sheets for home building and home contents insurance policies

Consumer Action welcomes the opportunity to comment on the draft Key Facts Sheets for home building and home contents insurance policies. Consumer Action continues to strongly support the introductio...

Submission: ASIC Consultation Paper 178 and ASIC’s draft good practice guidance on advertising credit products and services

Consumer Action strongly supports draft Regulatory Guide 234. In particular we support ASIC's position that advertisements should give clear, accurate and balanced messages and allow consumers to make...

Joint submission: Allowance payments for jobseekers

Consumer Action and the Consumer Credit Legal Centre NSW welcomes the opportunity to comment on the inquiry into the adequacy of the allowance payment system and related issues. This submission respo...

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