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House of Representatives Committees

| House of Representatives Standing Committee on Economics

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Advisory Report on the National Consumer Credit Protection Amendment (Home Loans and Credit Cards) Bill 2011

15 June 2011

View the report as a single document - (PDF 507KB)

View the report as separate downloadable parts:


Preliminary Pages	(PDF 83KB)

Chapter 1 Introduction	(PDF 104KB)
Background Purpose and overview of the Bill Are reforms needed to the credit card and home loans industries? Unsolicited credit card limit increase offers Profit maximisation Responsible lending Conclusions Consultations Committee objectives and scope Conduct of the inquiry

Chapter 2 Analysis of the Bill	(PDF 171KB)
Commencement dates Analysis Conclusion Retrospectivity Analysis Conclusion Costs to industry Analysis Conclusions Use of regulations Analysis Conclusion Home loan websites Analysis Conclusion Definition of a credit limit increase invitation Analysis Conclusion Does the default buffer amount to ‘free credit’? Analysis Conclusion Are the buffers too complicated? Analysis Conclusion Effect on balance transfer cards Analysis Conclusion Overall conclusion

Appendix A – Submissions	(PDF 31KB)

Appendix B – Witnesses	(PDF 32KB)
Wednesday, 25 May 2011 – Canberra

Appendix C – Exhibits	(PDF 42KB)