Treasury consultation: Enhancements to Unfair Contract Term Protections
Consumer Action has provided a joint submission to Treasury's consultation on Enhancements to Unfair Contract Term (UCT) Protections. Nearly a decade of the current UCT legislative regime has not e...
Joint submission: Re: Financial Regulator Assessment Authority Bill 2020
This is a joint consumer submission from Financial Rights Legal Centre, CHOICE and the Consumer Action Law Centre to Treasury providing comment on the Financial Regulator Assessment Authority Bill 202...
Joint submission to the Treasury re: Duty to take reasonable care not to make a misrepresentation to an insurer
This is a joint consumer submission from the Financial Rights Legal Centre, Consumer Action Law Centre, CHOICE, the Public Interest Advocacy Centre, Financial Counselling Australia, and the Consumer C...
Joint submission: Exposure draft – Deferred sales model for add-on insurance – FSRC Rec 4.3
This submission has been prepared by Consumer Action Law Centre with contributions and endorsement from Financial Rights Legal Centre, Financial Counselling Australia, CHOICE, Consumer Credit Law Cent...
Joint submission: Exposure draft – No hawking of financial products – FSRC Rec 3.4 and 4.1
This submission has been prepared by Consumer Action Law Centre with contributions and endorsements from Financial Rights Legal Centre, CHOICE, Consumer Credit Legal Service (WA), and Financial Counse...
Joint submission: Strengthening breach reporting
This is a joint consumer submission from Consumer Credit Legal Service (WA), CHOICE, Consumer Action Law Centre and Financial Rights Legal Centre. We strongly support proposed reforms to the breach re...
Joint submission: Enforceability of financial services industry codes
This is a joint submission by Financial Rights Legal Centre, the Consumer Action Law Centre, CHOICE, Financial Counselling Australia, Consumer Credit Legal Service (WA) and the Consumers’ Federation o...
Joint submission re: Exposure Draft Implementation of ASIC Enforcement Review Taskforce – Directions Power
This submission has been drafted by Consumer Action Law Centre with contributions and endorsement from Financial Rights Legal Centre, CHOICE, Consumer Credit Legal Service (WA), and Financial Counsell...
Joint submission re: Exposure Draft: Cap on vehicle dealer commissions
This submission has been drafted by Consumer Action Law Centre with contributions and endorsement from Financial Rights Legal Centre, CHOICE, Financial Counselling Australia, and Consumer Credit Legal...
Joint submission: Financial Services Royal Commission Recommendations 4.6 – Limiting avoidance of life insurance contracts
This is a joint consumer submission from the Financial Rights Legal Centre, Consumer Action Law Centre, CHOICE, the Public Interest Advocacy Centre, Financial Counselling Australia and Consumer Credit...
Joint submission: Financial Services Royal Commission Additional commitment in response to Recommendation 4.2 – Restricting the use of the term ‘insurance’ and ‘insurer’
This is a joint submission from the Financial Rights Legal Centre, Consumer Action Law Centre, CHOICE, Financial Counselling Australia and Consumer Credit Legal Service (WA) and provides comment on th...
Joint submission: Re: Ongoing fee arrangements and disclosure of lack of independence
This is a joint consumer submission from Financial Rights Legal Centre, CHOICE and the Consumer Action Law Centre. Read the full submission [here] ...
Households in embedded networks need fair electricity prices
Households in embedded networks are often in effective monopoly situations with little regulatory oversight. For this reason, they need the same or better protections than their peers with conventiona...
Time’s up: Government must step up and pass payday lending and rent-to-buy reforms
Consumer Action's submission to the Senate Economics Legislation Committee calls on Parliament to pass the National Consumer Credit Protection Amendment (Small Amount Credit Contract and Consumer Leas...
Establishing a Compensation Scheme of Last Resort
Consumer groups have made a joint submission to the Treasury’s Discussion Paper, Implementing Royal Commission Recommendation 7.1 – Establishing a Compensation Scheme of Last Resort (December 2019). T...
Maintain households’ rights when accessing essential energy services
As new energy products and services create more options for consumers to access energy offers with non-conventional pricing or features, the complexity of making decisions increases and poses more ris...
Implement strong protections to ensure households benefit from new energy technology
Consumer Action’s legal and financial counselling services have regularly assisted consumers experiencing harm as solar technology grows in popularity in Victoria. Our Power Transformed, Knock It Off!...
Delivering on the promise to ban vendor terms and rent-to-buy agreements from Victoria’s housing market
Over the years, our team has assisted a number of people who have been adversely affected by failed vendor finance and rent-to-buy deals, which are promoted as an opportunity to achieve home ownership...
Critical moment to fix and prevent systemic mis-selling of junk insurance and warranties through caryards
Since 2016, Consumer Action’s free tool, DemandaRefund.com has helped people to generate over 9,000 demands totalling an estimated $17 million in refunds for junk consumer credit insurance (CCI), guar...
RBA Review of Retail Payments Regulation
The payments landscape has changed rapidly since the RBA’s last review of retail payment systems five years ago. The emergence of new payment schemes, such as buy now, pay later (BNPL) has skewed the...
Energy contracts can only be fair if all Victorian energy users have the same protections
Despite the introduction of the Victorian Default Offer for electricity, the state’s most vulnerable energy consumers still face challenges in the market. Energy prices changing unexpectedly, excessiv...
Remove barriers to energy efficiency for rental properties
Consumer Action’s National Debt Helpline service provided financial counselling to over 11,000 people in the 2018/19 financial year. Often issues with low quality rental properties or disputes with re...
Strengthening consumers’ voice in policy and regulation affecting superannuation
Choosing a superannuation fund is one of the most important financial decisions a person will make. However, the superannuation system is failing countless Australians. People across Australia cont...
Making the insurance claims process fair
From a consumer perspective, claims handling is the most critical part of the insurance process, and one of the most problematic. Too often, the claims process is arduous, lengthy and unfair. In ou...
