Submission - Consumer Action Law Centre

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...

Submission: Parliamentary inquiry into Do Not Knock Register Bill

Consumer Action's submission to this inquiry argues that door-to-door sales causes widespread consumer detriment, hinders market competition, and that greater consumer protections are desperately need...

Submission: Review of grocery unit pricing

Consumer Action believes unit pricing is, and will continue to be, an appropriate regulatory mechanism and appears to create a number of direct and indirect benefits to consumers and competition, at r...

Submission: Reforming Contract Law

This submission in response to the Commonwealth Government's discussion paper on the scope to reform Australian contract law. The submission: highlights the significance of consumer contracting (wh...

Submission: Inquiry into the Privacy Amendment (Enhancing Privacy Protection) Bill 2012

The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on Privacy Amendment (Enhancing Privacy Protection) Bill 2012. Our submission concerns the changes relating to cre...

Media release: Time to build new consumer protections from the bottom up

In its response to a Victorian Government consultation paper, Consumer Action urged the Government to take decisive action, arguing small reforms around the edges would do little to help consumers see...

Submission: Submission to the Victorian Government’s consultation on the domestic building consumer protection framework

Broadly, this submission: argues that the nature of domestic building transactions mean that specialised and strengthened consumer protections are required; recommends that the entire consumer prot...

Submission: Barriers to effective climate change adaptation – the role of insurance

In this submission to the Productivity Commission's draft report on Barriers to Effective Climate Change Adaptation Consumer Action argues against the Commission's assessment that subsidising flood in...

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

On 7 May 2012, the Hon. Michael O'Brien MP and the Hon. Anthony Roberts MP wrote to Consumer Action inviting it to comment on the proposal to exempt restaurants and cafes from national single pricing...

Submission: Response to Commonwealth Government discussion paper on reducing reliance on payday lending

This submission: Expresses significant concerns with the way the payday lending problem is framed in the discussion paper. In particular, we do not agree that high-cost short-term lending is a neces...

Submission: Review of the Limited Merits Review Consultation Paper Two

Consumer Action’s response to the Review of Limited Merits Review Regime's Consultation Paper 2, Additional Statement of Issues and Questions. To read our submission please click here: Submission to...

Submission: Inquiry into the post-GFC banking sector

This submission makes the following brief points: that the development of an independent measure of the cost of bank funding (including offshore wholesale funding, and deposits), regularly reported...

Submission: Inquiry into the post-GFC banking sector

Rather than responding to each point of the Committee's terms of reference, this submission makes the following brief points: that the development of an independent measure of the cost of bank fundi...

Submission: Productivity Commission’s Regulatory Impact Assessment benchmarking study

This submission argues that the Regulatory Impact Assessment process could be improved if government agencies had more guidance on how to assess the benefits of regulation and the less tangible impact...

Submission: Proposed amendments to the Consumer Credit and Corporations Legislation Amendment (Enhancements) Bill 2011

In brief, this submission recommends: With regards to hardship variations that Government consider providing detailed guidance to credit providers, perhaps through ASIC, to assist them to better a...

Joint submission: Consumer protections for users of payday loans

The following is a joint submission in response to Treasury's April 2012 discussion paper on proposed reforms to Small Amount Credit Contracts. This submission has been prepared by Consumer Action La...

Submission: Australian Energy Market Commission, Market Review, Power of Choice (Stage 3 DSP Review)

This review is about 'enabling consumers to make informed choices about the way they use electricity can help achieve efficient investment'. Consumer Action agrees that there are opportunities to impr...

Submission: Australian Energy Market Commission’s Economic Regulation of Energy Networks Rule Change, Directions Paper

This submission responds to the Directions Paper released by the Australian Energy Market Commission's on a National Energy and Gas Rule change proposal relating to the economic regulation of networks...

Submission: review of limited merits review consultation paper one

This submission responds to the Initial Discussion Paper of the Expert Panel reviewing the Limited Merits Review regime for energy regulatory decisions. Read our submission click: Initial submission...

Federal Government’s Energy White Paper consultation

Consumer Action made a substantial submission to the Federal Government’s Energy White Paper consultation. The Draft White Paper is largely directed to industry development and investment, but is sile...

Submission: Gift Cards in the Australian Market

We’ve made a submission to the Commonwealth Consumer Affairs Advisory Council (CCAAC) in response to its Issues Paper, Gift Cards in the Australian Market. We’ve argued that consumers should be better...

Submission: Review of Debt Agreements Under the Bankruptcy Act 1966

Consumer Action has provided a submission to this review of debt agreements undertaken by the Attorney-General's Department. The submission: argues for a minimum income threshold to access debt agre...

Submission: Australian Energy Market Commission’s Power of Choice Review, Issues Paper

This submission responds to the Issues Paper released by the Australian Energy Market Commission on its demand side participation (stage 3) review, dubbed 'Power of Choice'. Read our submission click...

Submission: Taxi industry inquiry – complaints handling and dispute resolution

In this submission, Consumer Action responds to only one of the questions in the consultation paper - that is, ‘do the Victorian Taxi Directorate and taxi booking networks have adequate policies and p...

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