Submission - Consumer Action Law Centre

Joint submission: DSDBI Consultation Paper – Reforms to Retail Regulation 2014 and Planned Outages

Consumer Action welcomes the opportunity to respond to the Draft Consultation Paper – Reforms to Retail Regulation 2014 and Planned Outages. We strongly support the Minister’s proposal to increase th...

Submission: Consumer Credit Regulations

Consumer Action and the Consumer Credit Legal Centre NSW have made a joint submission to Treasury on exposure draft consumer credit regulations affecting payday lenders. In summary, we are supportive...

Submission: Energy and Water Ombudsman Victoria independent review issues paper

This submission is the result of a collaboration between the Consumer Utilities Advocacy Centre, the Victorian Council of Social Services, Consumer Action Law Centre and the Financial and Consumer Rig...

Submission: AEMC’s 2014 Retail Competition Review

Consumer Action has provided comment on the Australian Energy Market Commission’s (the AEMC) 2014 Retail Competition Review Approach Paper. We welcome ongoing reviews of competition within retail mar...

Submission: Filing fees for debtors’ petitions, overseas travel requests and an increase to the realisations charge

A scan of Consumer Action's casework records (including both our legal advice and financial counselling services) reveals that we have on record at least 1900 calls from low income and vulnerable clie...

Submission: Final Report on the Review of Enforcement Regimes under the National Energy Laws

Consumer Action has made a submission to the Standing Council on Energy (SCER) on the Final Report: Review of the Enforcement Regimes under the National Energy Laws Consumer Action supports many of t...

Submission: ACCC consideration of AGL Energy’s proposed acquisition of Macquarie Generation

Consumer Action has made a submission to the Australian Competition and Consumer Commission (ACCC) in response to its Statement of Issues on AGL Energy Limited (AGL) proposed acquisition of the busine...

Submission: AEMC’s review of electricity customer switching options paper

Consumer Action supports the Commission undertaking this review and we agree that timely and accurate transfer processes can "support customer choice" and "confidence" in the competitive retail market...

Submission: Energy White Paper 2014

Consumer Action was pleased to have the opportunity to comment on the Energy White Paper 2014. Our submission is available here....

Submission: 2014-15 Federal Budget

Consumer Action welcomes the Government’s invitation to the Australian community to provide input to the 2014-15 Commonwealth Budget. We are mindful of the current economic conditions and their imp...

Submission: Debt agreement administrators’ guidelines relating to advertising

Consumer Action's MoneyHelp financial counselling practice helps disadvantaged, low income Victorian consumers who are experiencing severe financial distress consumers Victorians, some of who have use...

Submission: Do Not Call Register – registration period

Consumer Action support removing the registration period for the Do Not Call Register so that registration is indefinite (Option Three in the Discussion Paper[i]). Customers actively opt out of unsol...

Submission: Changes to Credit Ombudsman Scheme Rules

Consumer Action had provided comment on the Credit Ombudsman Service’s proposes changes to COSL Rules: 9th Edition. We commend the Credit Ombudsman Service on its drafting of the proposed changes, mo...

Submission: ACCC / ASIC Debt Collection Guideline

Consumer Action has provided comment on the review of the ACCC / ASIC Debt Collection Guideline for Collectors and Creditors. The revised draft Guideline is a significant improvement on the existing...

Submission: Financial System Inquiry—Draft Terms of Reference

Consumer Action welcomes the opportunity to comment on the draft terms of reference for the Financial System Inquiry. In summary, we recommend that: the overall objective for the Inquiry could be e...

Submission: Energy Assured Limited – Revocation and Substitution – A91390 & A91391

Consumer Action’s 2011 submissions to the Code authorisation process recommended the ACCC refuse to authorise the applications, on the grounds that the proposal did not actually improve existing consu...

Submission: Review of the regulation of owners’ corporation managers

Consumer Action has provided comment to the Review of the regulation of owners’ corporation managers Issues Paper. Our submission makes two primary recommendations: that the unfair contract term pr...

Submission: AER Alternative Energy Sellers – Issues Paper

Consumer Action supports the AER's approach in attempting to identify a suitable outcome for consumers in an evolving and increasingly complex energy market. We have provided some comments to encourag...

Joint submission: National Smart Meter Consumer Protection and Safety Review

A coalition of advocates has taken the opportunity to comment on SCER's National Smart Meter Consumer Protection and Safety Review Consultation Paper (Consultation Paper) and the National Energy Retai...

Submission: Regulatory Review of the Motor Car Traders Act (MTCA) 1986

Consumer Action has submitted comment on the Issue Paper for the regulatory review of the Motor Car Traders Act (MTCA) 1986. We generally do not agree that the regulatory burden on traders is exces...

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...

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