Submission: Extending unfair contract terms protections to insurance contracts
The case for extending unfair contract terms (UCT) laws to insurance contracts is clear. The insurance industry is virtually the only industry enjoying an exemption from the economy-wide UCT regime...
Class Actions and Third-Party Litigation Funders: ALRC Inquiry
Consumer Action Law Centre made a submission to the Australian Law Reform Commission's Inquiry into Class Action Proceedings and Third-Party Litigation Funders (Discussion Paper 85, June 2018) (ALRC I...
Submission: Revised Design and Distribution Obligations and Product Intervention Powers Bill
Thank you for the opportunity to comment on the revised exposure draft of the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Bill 2018 (the revised Bill)...
Energy Retail Code obligations for exempt sellers under the General Exemption Order 2017: Draft Decision
Consumer Action has made this joint submission alongside VCOSS. Embedded networks have presented serious difficulties for energy consumers for far too long, and the General Exemption Order 2017 is...
Submission: Retirement Living Revised Code of Conduct
The Consumer Action Law Centre, Residents of Retirement Villages Victoria, Housing for the Aged Action Group and COTA Victoria welcome the opportunity to comment on the most recent Draft Retirement Li...
Submission: Credit card responsible lending assessments
The Consumer Action Law Centre, Financial Rights Legal Centre, CHOICE and Financial Counselling Australia welcome the opportunity to comment on Consultation Paper 303 on credit card responsible lendin...
Royal Commission into Misconduct in the Banking, Superannuation and Finance Sector – Submission on Round 4 Hearings (General)
Consumer Action Law Centre has published its submission to the Royal Commission into Misconduct in the Banking, Superannuation and Finance Sector following the Round 4 hearings on issues affecting Aus...
Royal Commission into Misconduct in the Banking, Superannuation and Finance Sector – Submission on Round 4 Hearings (Case Studies)
Consumer Action Law Centre has published its submission to the Royal Commission into Misconduct in the Banking, Superannuation and Finance Sector following the Round 4 hearings on issues affecting Aus...
Treasury Laws Amendment (Protecting Your Superannuation Package) Bill 2018
Consumer Action Law Centre made a joint submission with Financial Rights Legal Centre to the Senate Economics Legislation Committee's inquiry into the provisions of the Treasury Laws Amendment (Protec...
Royal Commission into Misconduct in the Banking, Superannuation and Finance Sector – Submission on Background Paper 14 General Insurance
We refer to the Royal Commission’s Background Paper 14: General Insurance (Background Paper) and make the following comments. We note that the Background Paper reflects the views of the authors and no...
National Energy Guarantee Draft Detailed Design Consultation Paper – Commonwealth Elements
The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the National Energy Guarantee (Guarantee) Draft Detailed Design Consultation Paper for Commonwealth Elements (Co...
Royal Commission into Misconduct in the Banking, Superannuation and Finance Sector – Submission on Round 3 Hearings
This written submission is provided by Consumer Action Law Centre (Consumer Action) following the conclusion of the Round 3 hearings on loans to small and medium enterprises. Misconduct and conduct...
Joint submission: Australian Financial Complaints Authority (AFCA) Draft Rules
In Australia, everyone should be able to easily access a free, fair, fast and effective service to resolve complaints against their lender, insurer or superannuation fund. To ensure that the Australia...
National Energy Retail Amendment (Strengthening protections for customers in hardship) Rule 2018 consultation paper
The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the National Energy Retail Amendment (Strengthening protections for customers in hardship) Rule 2018 Consultatio...
AER Powers Civil Penalty Regime Consultation Paper
The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the Australian Energy Regulator (AER) Powers and Civil Penalty Regime Consultation Paper, published by the Stand...
Terrorism Insurance Act Review 2018
Consumer Action has reviewed a selection of current Product Disclosure Statements (PDSs) of major brands of domestic insurance to assess whether they are likely to cover loss, damage, liability, costs...
Joint submission: Attorney-General’s Department Review of Financial Hardship Arrangements
Consumer advocates consider that any additional information permitted to be shared or held as part of the credit reporting system is inherently a further privacy intrusion and must be justified to be...
Review into the Australian Taxation Office’s use of Garnishee Notices
We reject the legal status quo which enables garnishee orders issued prior to bankruptcy to continue to garnish the wages of bankrupted individuals post-bankruptcy. As we understand it, garnishee ord...
Payment difficulty framework amendments to the Compliance and Performance Reporting Guideline draft decision
The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the payment difficulty framework amendments to the Compliance and Performance Reporting Guideline draft decision...
Submission: Protecting Your Super package: Exposure Draft
This submission focuses on insurance in superannuation and the interests of people who are on low incomes or have low superannuation balances. It supports the majority of CHOICE’s recommendations in i...
Submission: NSW Emergency Services Levy Insurance Monitor Standard Profile Quotations
This joint submission from Financial Rights Legal Centre and Consumer Action Legal Centre responds to the NSW Emergency Services Levy Insurance Monitor’s 'Standard profile quotations Mid-term review,...
Submission: Options for greater involvement by private sector life insurers in worker rehabilitation
This joint submission of CHOICE, Financial Rights Legal Centre and Consumer Action Law Centre responds to the insurance industry proposal for greater involvement by life insurers in worker rehabilitat...
Submission: Implementation of prohibition on flex-commissions
The Consumer Action Law Centre welcomes the opportunity to comment on the implementation of the prohibition on flex-commissions Consultation Paper (the Consultation Paper). We generally support the...
Draft AER Benefit Change Notice Guidelines – Submission
Consumer Action welcomes the opportunity to provide a brief submission in response to AER’s Draft Benefit Change Notice Guidelines (Draft Guidelines). This policy area is well trodden ground for Co...
