Submission - Consumer Action Law Centre

Submission – Proposed amendments to retirement village fact sheets

Thank you for the opportunity to provide feedback on the proposed amendments to retirement village fact sheets. Consumer Action, RRVV, HAAG and COTA Vic do not oppose the proposed amendments to the f...

Fixed benefit periods notification obligations for energy retailers – Draft Decision

Consumer Action appreciates the Essential Services Commission working towards better outcomes from the energy market with a focus on the long-term interests of Victorians. We support the proposed chan...

Joint submission: Establishment of the Australian Financial Complaints Authority

Seven consumer groups made a joint submission to Treasury's consultation on the Establishment of the Australian Financial Complaints Authority (AFCA). Consumer advocates are very supportive of the...

Submission in response to the ACCC retail electricity pricing inquiry preliminary report

Consumer Action welcomes the opportunity to comment on ACCC Retail Electricity Pricing Inquiry: Preliminary Report (Preliminary Report) for this inquiry. The ACCC has undertaken a welcome and extensiv...

Joint submission: Options to reform the sale of add-on insurance and warranties in car yards

Thank you for the opportunity to comment on Consultation Paper 294: The sale of add-on insurance and warranties through caryard intermediaries (CP 294). Read the full submission here [PDF]...

Initial feedback: Essential Services Commission 2018 Water Price Review

This feedback was provided to the Essential Services Commission (ESC) which is currently reviewing the prices that 17 Victorian water businesses propose to charge from 1 July 2018. Access to water is...

Submission in response to the Draft Guidance Note – Payment difficulty and disconnection

We acknowledge the significant work the Essential Services Commission has undertaken in drafting a comprehensive Guidance Note focused on customer outcomes. With expansion and redrafting in some areas...

Submission: Remake of the Estate Agents (Professional Conduct) Regulations 2008

Consumer Action Law Centre (Consumer Action), COTA Victoria and Housing for the Aged Action Group welcome the opportunity to make this submission in relation to the remake of the Estate Agents (Profes...

Submission: Insurance Contracts Regulations 2017

Thank you for the opportunity to make this submission on the exposure draft of the Insurance Contracts Regulations 2017. We appreciate the improvements to enhance the readability and clarity of the Ex...

Joint submission: Options to reform the sale of add-on insurance and warranties in car yards

Our organisations strongly support ASIC’s proposal to mandate a delayed sales model for add-on insurance and warranties sold through car yards, and to improve supervision of these sales. We have held...

Submission: Small Amount Credit Contract and Consumer Lease Reforms

We are pleased to make a submission in regards to the Exposure Draft Bill (the Bill) and Explanatory Materials implementing the Government’s response to the Small Amount Credit Contracts Review (the R...

Submission in response to Customer Price Information – Issues Paper

Consumer Action is happy to contribute to the development of materials to improve consumer engagement in the energy market—with the important caveat that we do not believe consumer engagement initiati...

Submission: Banking Executive Accountability Regime Bill

We welcome the opportunity to provide comments in relation to the Treasury Laws Amendment (Banking Executive Accountability and Related Measures) Bill 2017 (the Bill). We support the Banking Execut...

Supplementary Submission: Open Banking Review

Consumer Action Law Centre (Consumer Action), Financial Rights Legal Centre (Financial Rights) and Financial Counselling Australia (FCA) are pleased to make this supplementary submission in response t...

Supplementary Submission: ACCC New Car Inquiry

Consumer Action Law Centre (Consumer Action) welcomes the opportunity to make a supplementary submission to the Australian Competition and Consumer Commission (ACCC) New Car Retailing Inquiry. Our sup...

Submission: National Water Reform

Water is arguably the most essential of services: without it we would not live. Most of us access water every day for drinking, cooking, washing/hygiene and efficient removal of waste. For some though...

Submission in response to National Energy Retail Amendment (Notification of the end of a fixed benefit period) Rule 2017 Rule Change Consultation Paper

The strategies involved in the proposed Rule Change, and in previous work outlined in the Commission’s consultation paper, reflect policymakers’ continued pursuit of trying to improve the effectivenes...

Litigation Funding and Group Proceedings: Consultation Paper

Consumer Action Law Centre welcomes the opportunity to comment on the Victorian Law Reform Commission’s Consultation Paper on Litigation Funding and Group Proceedings. This is an important and broad...

Inquiry into the Social Services Legislation Amendment (Cashless Debit Card) Bill 2017: Submission

Consumer Action joins with FamilyCare Shepparton to make this submission. Shepparton is the only Victorian community that is currently subject to income management, a policy similar to the Cashless De...

Treasury Laws Amendment (Putting Consumers First—Establishment of the Australian Financial Complaints Authority) Bill 2017

Consumer advocates are very supportive of the move to a one-stop shop external dispute resolution (EDR) scheme that implements the considered recommendations of the Review of the Financial System Exte...

Submission: Open Banking Review

Consumer Action Law Centre, Financial Rights Legal Centre and Financial Counselling Australia are pleased to make this submission in response to the Open Banking Review Issues Paper. We acknowledge t...

Submission: Inquiry into Competition in the Australian Financial System

The Consumer Action Law Centre (Consumer Action), Financial Counselling Australia (FCA) and the Financial Rights Legal Centre (Financial Rights) have welcomed the Productivity Commission’s review of c...

Submission: New Car Retailing Industry ACCC Draft Report

Consumer Action Law Centre (Consumer Action) is pleased to make this submission to the Australian Competition and Consumer Commission (ACCC) new car retail industry market study draft report (the Draf...

Proposed changes to TIO Terms of Reference

ACCAN and Consumer Action Law Centre made a joint submission to the consultation on proposed changes to the Telecommunications Industry Ombudsman (TIO) terms of reference. We are pleased that the TIO...

Review of the National Vocational Education and Training Regulator Act 2011

The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the Review of the National Vocational Education and Training Regulator Act 2011 (NVETR Act). Consumer Action ha...

Submission: Credit card reform exposure draft legislation

The Consumer Action Law Centre is pleased to comment on the exposure draft Treasury Laws Amendment (2017 Measures No. 8) Bill 2017: Credit card reforms (the Bill) and National Consumer Credit Protecti...

Submission: Comment: Towards a transparent public reporting regime for life insurance claims information

Thank you for the opportunity to comment on the Discussion Paper Towards a transparent public reporting regime for life insurance claims information, outlining the options and issues involved in the n...

Submission: Comment on ASIC CP 284: Example statement of advice for life insurance—Update to RG 90

Thank you for the opportunity to comment on ASIC’s draft Regulatory Guide 90: Example statement of advice: Scaled advice for new customer and Consultation Paper 284. We appreciate the complex and exte...

Submission: APRA powers for non-ADI lenders

The Consumer Action Law Centre (Consumer Action) and CHOICE have made a joint submission on the draft Treasury Laws Amendment (Non-ADI Lender Rules) Bill 2017 (the draft Bill). We support the proposa...

Submission: Banking Executive Accountability Regime

Consumer Action Law Centre has supported CHOICE's submission on the proposed Banking Executive Accountability Regime. We strongly welcome the intent of these reforms. The community rightly expects tha...

Comment on ASIC proposed ban on flex-commissions

Thank you for the opportunity to make additional comments on the proposed ASIC Credit (Flexible Credit Cost Arrangements) Instrument banning flex-commissions. Consumer Action supports this proposal. I...

Submission: Data Governance Australia Draft Code of Practice

The collection, use and management of data by companies is of significant and growing interest for consumer advocates. We welcome industry efforts to better protect and promote the rights of people wh...

Submission: Internal Dispute Resolution in Retirement Villages

We welcome Consumer Affairs Victoria’s interest in improving internal dispute resolution processes in retirement villages, and believe that the reforms suggested will likely result in some improvement...

Submission: Black Economy Taskforce Interim Report

Contributors to this submission have supported and represented thousands of consumers over many years. We support the overall intention of the Taskforce, which is to develop an ‘innovative, forward-lo...

EDR Review Supplementary Issues Paper – Last resort compensation for victims of financial misconduct

A series of financial scandals have left many Australians out of pocket and in some cases, resulted in the loss of the family home or a secure retirement. Scandals have not just occurred in relation t...

Submission to ACCC inquiry into retail electricity supply and pricing Issues Paper

Electricity has traditionally been a regulated essential service that occupied a stable portion of Australian consumers' living expenses. Until relatively recently, they have not had to exert time or...

EDR Review – Treasury Laws Amendment (External Dispute Resolution) Bill and Regulations 2017 exposure draft

Consumer advocates welcome the move to a one-stop shop external dispute resolution (EDR) scheme for all disputes in the financial system. Read the full submission here [PDF]...

Submission: AEMC Governance Amendment Bill 2017

Consumer Action was one of a number consumer advocacy groups that made a joint submission to the Review of Governance Arrangements for Australian Energy Markets recommending the Energy Council underta...

Submission: ESC’s Payment Difficulty Framework Draft Decision

Consumer Action and the Financial and Consumer Rights Council welcome the opportunity to comment on the Essential Services ESC Victoria’s (ESC) new draft decision for its Payment Difficulties Framewor...

Victoria Legal Aid, Means Test Review, Options Paper – submission

Consumer Action has made a submission to the Victoria Legal Aid (VLA) Means Test Review. The submission strongly supports the introduction of a public interest exemption to the VLA means test. To be...

Future of Financial Advice – Post Implementation Review submission

The Consumer Action Law Centre is pleased to provide a submission in response to the Consultation Paper prepared as part of the Post Implementation Review of the Future of Financial Advice reforms....

Submission on AEMC’s rule change process guidance

Our analysis of the problems faced as a consumer group seeking to change the NERR, and our recommendations to make the process more transparent and less onerous for proponents, are extensively detaile...

Submission: ASIC Financial Services Panel

The Consumer Action Law Centre is pleased to provide a submission in response to Consultation Paper 281 regarding the proposal to establish a Financial Services Panel (the Panel). Given the apparent...

AEMC review of regulatory arrangements for embedded networks

SACOSS and the signatories consider that the existing framework has provided a high degree of flexibility and competition in products and services for embedded networks which has led to some valuable...

Submission: Estate agents and conveyancers options for reform

Consumer Action Law Centre welcomes the opportunity to provide comment on the Consumer Property Law Review’s Options Paper on estate agents and conveyancers. Read the full submission here [PDF]....

Submission: Emergency Services Levy Insurance Monitor public inquiry into prohibited conduct in the insurance industry

We were asked to provide feedback on questions 4, 5, 7 and 11 in the ESLIM’s Public Inquiry Issues Paper. We have also responded to question 9 on competition drivers, and briefly commented on our insu...

Submission: General Insurance Code of Practice 2017 Review

The Code is an important piece of self-regulation, setting out the best practice expected of the industry. Recent inquiries and reviews have ventilated a number of persistent, systemic problems for ge...

Retirement Villages (Contractual Arrangements) Regulations 2017 – Regulatory Impact Statement submission

The Consumer Action Law Centre (Consumer Action), Council on the Ageing Victoria (COTA), Housing for the Aged Action Group (HAAG), and Residents of Retirement Villages Victoria (RRVV) write in relatio...

Submission to the inquiry into modernising Australia’s electricity grid

The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the Standing Committee on the Environment and Energy’s inquiry into modernising Australia’s electricity grid. A...

Submission: Consumer Property Law Review—Sale of land and business: options for reform

Consumer Action Law Centre (Consumer Action) is pleased to make this submission in response to Consumer Affairs Victoria's Sale of land and business: options for reform (Options Paper), as part of the...

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