Appendix 4Submissions and additional information
1Name Withheld
2Name Withheld
2.1 Supplementary to submission 2
3Name Withheld
4Name Withheld
5The Public Advocate (Qld)
6Confidential
6.1 Confidential
7Name Withheld
8Mrs Veronica Beeson
9UNSW Tax and Business Advisory Clinic
10Vincentcare Victoria, Australia
11Queensland Synod
12ANROWS
13Name Withheld
14Name Withheld
15Aged Rights Advocacy Service
16Name Withheld
17Name Withheld
18AustralAsian Centre for Human Rights and Health
19Diva Advocacy Solutions
20Chartered Accountants Australia and New Zealand
21Relationships Australia
22Name Withheld
23Pilbara Community Legal Service
24Name Withheld
25Finance Sector Union of Australia
26Mental Health Legal Centre
27Elder Abuse Action Australia
28Name Withheld
29EACH
30Older Persons Advocacy Network
31Dementia Australia
32Public Trustees of Australia
33Name Withheld
34The Salvation Army
35Insurance Council Australia
36Uniting Communities
37Aboriginal Family Legal Service WA
38Miss Jade Tan
39Financial Wellbeing Collective
40Multicultural Women's Alliance Against Family Violence
41WIRE
42Legal Aid Queensland
43Lifeline Australia
44Evan Jones
45St Vincent de Paul Society National Council
46Single Mother Families Australia
47GLBTI Rights in Ageing Inc
48Australian Securities and Investments Commission (ASIC)
49HopgoodGanim Lawyers
50Council of Australian Life Insurers (CALI)
51Northern Community Legal Centre
52Mr Graeme Medhurst
53Arca
Attachment 1
54Name Withheld
55Caxton Legal Centre Inc
56Aged and Disability Australia
57Name Withheld
58Dr Amanda Gearing
59Council of Single Mothers and their Children
60Financial Counselling Victoria (FCVic)
61Westpac
62Women's Legal Services Australia
63Name Withheld
64Parkerville Children and Youth Care
65Financial Advice Association of Australia
66First Nations Foundation
67Ecstra Foundation
68Women's Health In The North
69Commonwealth Bank
70NAB
71Economic Justice Australia
72DVConnect
73Ms Veronica Johnson
74Name Withheld
75Tasmanian Small Business Council
76Ms Rita Mazalevskis
77Legal Services Commission of South Australia
78National Legal Aid
79Jim Davidson
80Wotton + Kearney
81NSW Ageing and Disability Commission
82Centre for Women's Economic Safety
83Warren & Elaine Riedel
84Name Withheld
85Office of the Public Guardian
86Banking Code Compliance Committee
87Private Healthcare Australia
88Flequity Ventures
88.1 Supplementary to submission 88
89Department of Social Services
90Cathy Oddie
91Julie Kun Consulting
92ACT Human Rights Commission
93Villamanta
94Carers NSW
95ANZ
96Australian Finance Industry Association
97Super Consumers Australia
98inTouch
99Australian Banking Association
100National Tax Clinic Program
101Confidential
102Attorney-General's Department
103Ms Giulia Mandarino-Smith
104Ms Julie Adams
105Australian Human Rights Commission
106Justice Connect
107Anglicare WA
108Economic Abuse Reference Group
109Financial Counselling Australia
110Future Group
111Indigenous Consumer Assistance Network Ltd
112Financial Rights Legal Centre
112.1 Supplementary to submission 112
113West Justice
114Consumer Credit Legal Service of Western Australia and the Economic Abuse Reference Group of Western Australia
115Customer Owned Banking Association
116Redfern Legal Centre
117Confidential
118Confidential
119Confidential
120Confidential
121Confidential
122Confidential
123Confidential
124Confidential
125Confidential
126Eastern Community Legal Centre
127Law Council of Australia
128The Zahra Foundation
129Super Members Council
130The Association of Superannuation Funds of Australia
131Women's Legal Service Victoria
132Australian Financial Complaints Authority
133Confidential
134Consumer Action Law Centre
135Confidential
136Confidential
137PEXA
138Name Withheld
139Confidential
140Ms Linda Collins
141Brotherhood of St Laurence
142Name Withheld
143Confidential
144Confidential
145Confidential
146Confidential
Additional Information
1Bank Australia, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 26 June 2024)
2Latitude Financial, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 28 June 2024)
3Transport Mutual Credit Union, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 1 July 2024)
4Newcastle Greater Mutual Group, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 2 July 2024)
5Bank of us, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 2 July 2024)
6Heritage Bank & People First Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 2 July 2024)
7Beyond Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 2 July 2024)
8The Capricornian, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
9Australian Military Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
10Afterpay, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
11Wisr, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
12HSBC, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
13Hume Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
14Hesta, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
15Bendigo and Adelaide Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
16NAB & ubank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
17Police & Nurses Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
18Unity Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
19G&C Mutual Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
20AMP, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 4 July 2024)
21Summerland Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
22BankVic, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 4 July 2024)
23BNK Banking, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 4 July 2024)
24Allianz, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 5 July 2024)
25Westpac, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 5 July 2024)
26Commonwealth Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 5 July 2024)
27AustralianSuper, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 10 July 2024)
28Latitude Financial, Opening statement, Ms Cassie Brice, General Manager, Customer Care, 8 August 2024 (received 8 August 2024)
29Suncorp, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 22 August 2024)
30ANZ, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
31MyState Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 July 2024)
32Auswide Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 21 June 2024)
33ING Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 September 2024)
34Bank Orange, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 3 September 2024)
35IMB Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 4 September 2024)
36Southern Cross Credit Union, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 5 September 2024)
37Prospa, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 6 September 2024)
38Bank of Queensland, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 9 September 2024)
39Queensland Country Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 9 September 2024)
40Regional Australia Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 9 September 2024)
41Macquarie Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 10 September 2024)
42Teachers Mutual Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 10 September 2024)
43BankWAW, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 10 September 2024)
44Case study provided by Anglicare Financial Counselling Manager (received 5 September 2024)
45Case study provided by Sisters Housing Enterprises Inc. (received 10 September 2024)
46Liberty, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 12 September 2024)
47Zip Co, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 13 September 2024)
48Defence Bank, response to questions seeking further information on processes to identify, respond to and report financial abuse (received 18 September 2024)
Answers to Questions on Notice
1Customer Owned Banking Association, Impacts of financial abuse in defence communities, answers to written questions on notice from Senator Deborah O’Neill, 8 July 2024 (received 18 July 2024)
2Services Australia, Single touch payroll, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 28 June 2024 (received 25 July 2024)
3Services Australia, Women’s Legal Services Australia review, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 28 June 2024 (received 25 July 2024)
4Relationships Australia, Enduring powers of attorney, answers to questions on notice asked at a public hearing by Ms Zaneta Mascarenhas MP, 28 June 2024 (received 26 July 2024)
5Treasury, response to proposed recommendations from submission 88, answers to questions on notice asked a public hearing from Senator Paul Scarr, 28 June 2024 (received 26 July 2024)
6Australian Federal Police, Funds in closed bank accounts, answers to questions on notice asked a public hearing from Ms Zaneta Mascarenhas MP, 28 June 2024 (received 26 July 2024)
7Australian Federal Police, Protocols on closed bank accounts, answers to questions on notice asked a public hearing from Senator Deborah O’Neill, 28 June 2024 (received 26 July 2024)
8Australian Federal Police, Jurisdiction on financial abuse, answers to questions on notice asked a public hearing from Senator Deborah O’Neill, 28 June 2024 (received 26 July 2024)
9Aged Rights Advocacy Service, Correlation between financial abuse and psychological and emotional abuse with attachments, answers to questions on notice asked a public hearing from Senator Louise Pratt, 9 July 2024 (received 6 August 2024)
10Australian Banking Association, Bank Terms and Conditions and response to Economic Abuse Reference Group submission, answers to questions on notice asked a public hearing from Senator Deborah O’Neill, 8 July 2024 (received 12 August 2024)
11Centre for Women's Economic Safety, Regulatory barriers to non-joint account system and NSW coercive control regulation, answers to questions on notice asked a public hearing from Senator Louise Pratt and Senator Deborah O’Neill, 8 July 2024 (received 12 August 2024)
12ANROWS, Safety planning, answers to questions on notice asked a public hearing from Ms Mascarenhas MP, 28 June 2024 (received 2 August 2024)
13ANROWS, Speaking with the ATO and Social Security, answers to questions on notice asked a public hearing from Senator Louise Pratt, 28 June 2024 (received 2 August 2024)
14ANROWS, Drawing on superannuation during COVID, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 28 June 2024 (received 2 August 2024)
15ANROWS, Promising practice internationally, answers to questions on notice asked a public hearing from Senator Paul Scarr, 28 June 2024 (received 2 August 2024)
16ANROWS, Voluntary versus mandatory codes, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 28 June 2024 (received 2 August 2024)
17ANROWS, Reducing the economic dependence of survivors on perpetrators, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 28 June 2024 (received 2 August 2024)
18ANROWS, Identifying financial abuse, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 28 June 2024 (received 2 August 2024)
19ANROWS, Elder abuse, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 28 June 2024 (received 2 August 2024)
20ANROWS, Designing banking products to prevent abusive use, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 28 June 2024 (received 2 August 2024)
21ANROWS, Relationship between workforce participation and escaping DFV, answers to questions on notice asked a public hearing from Ms Mascarenhas MP, 28 June 2024 (received 2 August 2024)
22Financial Counselling Australia, Amount of money recovered from financial abuse cases, answers to questions on notice asked a public hearing from Ms Mascarenhas MP, 8 July 2024 (received 5 August 2024)
23Financial Counselling Australia, Pursuing assets from perpetrators, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 8 July 2024 (received 5 August 2024)
24NAB, Various answers, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 8 July 2024 (received 5 August 2024)
25Customer Owned Banking Association, Financial crimes unit work on financial abuse, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 July 2024 (received 5 August 2024)
26Customer Owned Banking Association, Models for responding to domestic and family violence, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 July 2024 (received 5 August 2024)
27Financial Wellbeing Collective, Data on financial abuse, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 10 July 2024 (received 5 August 2024)
28Financial Wellbeing Collective, Safety-by-design approach to financial products, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 8 July 2024 (received 6 August 2024)
29Economic Abuse Reference Group of Western Australia, Various answers, answers to questions on notice asked at a public hearing from various committee members, 10 July 2024 (received 7 August 2024)
30Uniting Communities, Various answers, answers to questions on notice asked at a public hearing from Mr Alex Hawke MP, Ms Zaneta Mascarenhas MP and Senator Deborah O'Neill, 9 July 2024 (received 7 August 2024)
31Jacaranda Community Centre, Various answers, answers to questions on notice asked at a public hearing from Ms Zaneta Mascarenhas MP and Senator Louise Pratt, 10 July 2024 (received 7 August 2024)
32NAB, Various answers, answers to written questions on notice from Senator Deborah O’Neill, 19 July 2024 (received 12 august 2024)
33Department of Social Services, Indicators of financial abuse and domestic violence and tactics used by perpetrators, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 28 June 2024 (received 13 August 2024)
34Westpac, Various answers, answers to written questions on notice and questions on notice asked at a public hearing on 9 July 2024 from various committee members (received 16 August 2024)
35Commonwealth Bank, Various answers, answers to written questions on notice and questions on notice asked at a public hearing on 8 July 2024 from various committee members (received 22 August 2024)
36Australian Banking Association, Banking Code of Practice and General Insurance Code of Practice's capacity to support victim-survivors, answers to written questions on notice from Senator Deborah O'Neill, 12 August 2024 (received 2 September 2024)
37Insurance Council of Australia, General Insurance Code of Practice and weaponisation of insurance, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 8 August 2024 (received 2 September 2024)
38Riverina Law Society, Accountants' capacity to facilitate coercive control while remaining in profession, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 9 August 2024 (received 2 September 2024)
39Ms Jenny Rolfe-Wallace, Recommendations to support defence families, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 9 August 2024 (received 3 September 2024)
40Ms Jenny Rolfe-Wallace, Example of abusive partners using myGov portal to track victim-survivors, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 9 August 2024 (received 3 September 2024)
41Super Members Council, Various answers, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill and Mr Alex Hawke MP, 8 August 2024 (received 3 September 2024)
42Dr Rachel Hogg, Implementing protective factors with Centrelink and digital ID and questions to ask Defence regarding addressing financial abuse, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 9 August 2024 (received 4 September 2024)
43ANZ, Remediation of concerns surrounding elder abuse, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 8 August 2024 (received 5 September 2024)
44ANZ, High-wealth perpetrators within the trust and complex loan structures, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 8 August 2024 (received 5 September 2024)
45ANZ, Ownership of bank accounts by women, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 8 August 2024 (received 5 September 2024)
46Latitude Financial, Various answers, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill and Mr Alex Hawke MP, 8 August 2024 (received 6 September 2024)
47The Salvation Army, Various answers, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 9 August 2024 (received 6 September 2024)
48UNSW Tax and Business Advisory Clinic, Various answers, answers to questions on notice asked at a public hearing from Senator Louise Pratt and Senator Deborah O'Neill, 9 August 2024 (received 5 September 2024)
49ANZ, Various answers, answers to written questions on notice from Senator Deborah O’Neill, 19 August 2024 (received 9 September 2024)
50Attorney-General's Department, Engagement with systems reform to increase accessibility of the law for vulnerable people, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 15 August 2024 (received 13 September 2024)
51Australian Taxation Office, Number of staff on the advocate and hardship team, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 15 August 2024 (received 18 September 2024)
52Australian Taxation Office, Number of vulnerable clients, answers to questions on notice asked at a public hearing from Ms Zaneta Mascarenhas MP, 15 August 2024 (received 18 September 2024)
53Australian Taxation Office, Taskforce suggestion by Single Mothers Australia, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 15 August 2024 (received 18 September 2024)
54Australian Taxation Office, Data on non-custodial parents who might be in business, answers to questions on notice asked at a public hearing from Ms Zaneta Mascarenhas MP, 15 August 2024 (received 18 September 2024)
55Australian Taxation Office, Recommendation on ATO managing restricting perpetrators from accessing super, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 15 August 2024 (received 18 September 2024)
56Insurance Council of Australia, Insurance companies that operate outside the General Insurance Code of Practice, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 August 2024 (received 19 September 2024)
57Insurance Council of Australia, Changes to General Insurance Code of Practice made in 2020, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 August 2024 (received 19 September 2024)
58Insurance Council of Australia, Implementation of conduct of others clause by Suncorp, IAG and Allianz, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 August 2024 (received 19 September 2024)
59Insurance Council of Australia, Companies who have pledged to ban misuse of financial products and services for financial abuse, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 August 2024 (received 19 September 2024)
60Insurance Council of Australia, Research being conducted on how general insurance products can be weaponised, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 August 2024 (received 19 September 2024)
61Australian Taxation Office, ATO response to UNSW Tax and Business Advisory Clinic's proposed approach to financial abuse, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 15 August 2024 (received 20 September 2024)
62Afterpay, Amounts of loans and number of customers who have had their debt waived, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 August 2024 (received 27 September 2024)
63Law Council of Australia, Various answers, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 20 September 2024 (received 2 October 2024)
64Law Council of Australia, Various answers, answers to written questions on notice from Senator Deborah O’Neill, 24 September 2024 (received 2 October 2024)
65ASIC, Various answers, answers to written questions on notice from Senator Deborah O’Neill, 18 September 2024 (received 9 October 2024)
66Macquarie Bank, Instances of financial abuse in respect of home loan accounts, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 13 September 2024 (received 4 October 2024)
67Macquarie Bank, Gender difference in number of Macquarie Bank’s customers, answers to questions on notice asked at a public hearing from Ms Zaneta Mascarenhas MP, 13 September 2024 (received 4 October 2024)
68Macquarie Bank, Number of sensitive customer cases referred to debt collection agencies, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 13 September 2024 (received 4 October 2024)
69Macquarie Bank, Typical resolutions of matters relating to collecting debt or finance, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 13 September 2024 (received 4 October 2024)
70Macquarie Bank, Financial hardship cases relating to trusts, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 13 September 2024 (received 4 October 2024)
71Macquarie Bank, Data to identify cases of financial abuse, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 13 September 2024 (received 4 October 2024)
72Macquarie Bank, Response to evidence given by Dr Amanda Gearing, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 13 September 2024 (received 4 October 2024)
73Domestic, Family, and Sexual Violence Commission, Receiving reporting from ABA and data sources of Commission, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 13 September 2024 (received 11 October 2024)
74Australian Retail Credit Association, Various answers, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 13 September 2024 (received 11 October 2024)
75Australian Retail Credit Association, Outcomes for a perpetrator of financial fraud, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 13 September 2024 (received 11 October 2024)
76Services Australia, Notification of separation to the ATO, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 20 September 2024 (received 11 October 2024)
77Services Australia, Instructions for dealing with clients identifying instances of family violence and financial abuse, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 20 September 2024 (received 11 October 2024)
78Services Australia, Legislative limitations on collecting data on customers experiencing family violence and financial abuse, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 20 September 2024 (received 11 October 2024)
79Services Australia, Measures to recover child support debts, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 20 September 2024 (received 11 October 2024)
80Services Australia, Social worker referral data, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 20 September 2024 (received 11 October 2024)
81Services Australia, Recommendations to encourage information sharing, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 20 September 2024 (received 11 October 2024)
82Dr Amanda Gearing, Coercive control research from financial institutes, answers to questions on notice asked a public hearing from Mr Alex Hawke MP, 13 September 2024 (received 13 October 2024)
83Dr Amanda Gearing, Senate report on dowry abuse, answers to questions on notice asked a public hearing from Senator Louise Pratt, 13 September 2024 (received 13 October 2024)
84Australian Financial Complaints Authority, Consequences to perpetrators of financial abuse, answers to questions on notice asked a public hearing from Mr Alex Hawke MP, 13 September 2024 (received 13 October 2024)
85Australian Financial Complaints Authority, AFCA recommendations based on evidence received from inquiry, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 13 September 2024 (received 13 October 2024)
86Australian Financial Complaints Authority, Monetary value of financial abuse case, answers to questions on notice asked a public hearing from Ms Zaneta Mascarenhas MP, 13 September 2024 (received 13 October 2024)
87Australian Financial Complaints Authority, Financial abuse in relation to trusts, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 13 September 2024 (received 13 October 2024)
88Australian Financial Complaints Authority, AFCA data on financial abuse cases with dowry payments, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 13 September 2024 (received 13 October 2024)
89Australian Financial Complaints Authority, Facilitation of financial abuse through buy-now-pay-later entities, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 13 September 2024 (received 13 October 2024)
90Attorney-General's Department, Timetable for research programs related to elder abuse, answers to questions on notice asked a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 17 October 2024)
91Services Australia, Identifying financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
92Services Australia, Training to recognise signs of financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
93Services Australia, Data on reported cases of financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
94Services Australia, Current legal frameworks, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
95Services Australia, Accessibility to victims of financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
96Services Australia, Services tailored to be culturally sensitive, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
97Services Australia, Tools utilised to evaluate risks, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
98Services Australia, Feedback from victims of financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
99Services Australia, Proactive measures to prevent abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
100Services Australia, Ensuring accountability among staff, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
101Services Australia, Support services offered to victims, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
102Services Australia, Promoting awareness of financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
103Services Australia, Evaluating effectiveness of interventions, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
104Services Australia, Supporting long-term recovery, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
105Services Australia, Stakeholder engagement, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
106Services Australia, Systemic barriers, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
107Services Australia, Use of technology to enhance response, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
108Services Australia, Lessons learnt from past incidents, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
109Services Australia, Inter-departmental task force, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
110Services Australia, Data sharing on financial abuse cases, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
111Services Australia, Joint training initiatives, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
112Services Australia, Collaboration between departments, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
113Services Australia, Development of policies that specifically address the financial abuse of vulnerable populations, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
114Services Australia, Plans to review regulatory frameworks, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
115Services Australia, Implement feedback mechanisms from victims of financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
116Services Australia, Collaborative prevention strategies, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
117Services Australia, Monitoring and evaluation of initiatives, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
118Services Australia, Collaboration with the Domestic Violence Commissioner, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
119Services Australia, Feedback from victim-survivors, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
120Services Australia, Progress toward the National Plan objectives, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 18 October 2024)
121Attorney-General's Department, Model power of attorney laws, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 20 September 2024 (received 21 October 2024)
122Attorney-General's Department, Consultation around enduring power of attorney and code of conduct for financial abuse, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 20 September 2024 (received 21 October 2024)
123Attorney-General's Department, Non-disclosure in family law proceedings, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 21 October 2024)
124Attorney-General's Department, Risk screening process, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 21 October 2024)
125Attorney-General's Department, Data regarding separation point, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 21 October 2024)
126Attorney-General's Department, Prevalence of lawyers misusing the family law system, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 21 October 2024)
127Attorney-General's Department, Recommendations in relation to information sharing, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 21 October 2024)
128Department of Social Services, Collaboration between agencies, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 22 October 2024)
129Department of Social Services, Intersection with ATO, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 22 October 2024)
130Department of Social Services, Authorised representative abuse, answers to questions on notice asked at a public hearing from Senator Louise Pratt, 20 September 2024 (received 22 October 2024)
131Department of Social Services, Victim survivor statistics and interpreters, answers to questions on notice asked at a public hearing from Ms Zaneta Mascarenhas MP, 20 September 2024 (received 22 October 2024)
132Department of Social Services, Government services or products perpetrating most financial harm to victims-survivors, answers to questions on notice asked at a public hearing from Ms Zaneta Mascarenhas MP, 20 September 2024 (received 22 October 2024)
133Department of Social Services, Service providers financial abuse training, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 22 October 2024)
134Department of Social Services, Agency support for long-term recovery of victims of financial abuse, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 22 October 2024)
135Department of Social Services, Mechanisms to regularly collaborate with Domestic Violence Commissioner to address emerging women’s safety issues, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 22 October 2024)
136Department of Social Services, Feedback from victim-survivors systematically integrated into the policy development processes, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 22 October 2024)
137Department of Social Services, Monitoring and evaluation frameworks developed by the Domestic Violence Commissioner, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 22 October 2024)
138Treasury, Superannuation law, answers to questions on notice asked at a public hearing from Ms Zaneta Mascarenhas, 20 September 2024 (received 25 October 2024)
139ATO, Nature of information sharing, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 25 October 2024)
140ATO, Recommendations to the Committee on data sharing, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 25 October 2024)
141ATO, Capacity of exchange of information with banks, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 25 October 2024)
142ATO, Child support referrals over the last 5 years and options available for the ATO to investigate non-custodial parents, answers to questions on notice asked at a public hearing from Senator Deborah O'Neill, 20 September 2024 (received 25 October 2024)
143ATO, Risk of financial abuse relating to SMSFs, answers to written questions on notice from Senator Deborah O'Neill, 30 September 2024 (received 25 October 2024)
144ATO, Outcome of coercion cases identified by the ATO, answers to written questions on notice from Senator Deborah O'Neill, 20 September 2024 (received 30 October 2024)
145ATO, ATO collaboration with financial counsellors and domestic violence support services, answers to written questions on notice from Senator Deborah O'Neill, 30 September 2024 (received 30 October 2024)
146ATO, Cross APS collaboration relating to financial abuse, answers to written questions on notice from Senator Deborah O'Neill, 30 September 2024 (received 30 October 2024)
147ATO, Director penalty notices relating to financial abuse, answers to written questions on notice from Senator Deborah O'Neill, 30 September 2024 (received 30 October 2024)
148ATO, Risk of financial abuse relating to trusts, answers to written questions on notice from Senator Deborah O'Neill, 30 September 2024 (received 31 October 2024)
149Attorney-General's Department, Various answers, answers to written questions on notice from Senator Deborah O'Neill, 30 September 2024 (received 5 November 2024)
150Department of Social Services, Information sharing, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 20 September 2024 (received 19 November 2024)
151Department of Social Services, Systems, data, frameworks and services, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 19 November 2024)
152Department of Social Services, Measures, Support and Awareness, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 19 November 2024)
153Department of Social Services, Evaluating effectiveness of interventions aimed at reducing financial abuse within government systems, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 19 November 2024)
154Department of Social Services, Agency, Access, Systems and lessons, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 19 November 2024)
155Department of Social Services, Department miscellaneous, answers to written questions on notice from Senator Deborah O’Neill, 30 September 2024 (received 19 November 2024)
156Single Mother Families Australia, Various answers, answers to written questions on notice from Senator Deborah O’Neill, 8 November 2024 (received 19 November 2024)
157ANZ, Number of customers who have gone through the hardship program, answers to written questions on notice from Senator Deborah O’Neill, 8 November 2024 (received 22 November 2024)
158Commonwealth Bank, Number of customers who have gone through the hardship program, answers to written questions on notice from Senator Deborah O’Neill, 8 November 2024 (received 22 November 2024)
159NAB, Number of customers who have gone through the hardship program, answers to written questions on notice from Senator Deborah O’Neill, 8 November 2024 (received 22 November 2024)
160Westpac, Number of customers who have gone through the hardship program, answers to written questions on notice from Senator Deborah O’Neill, 8 November 2024 (received 27 November 2024)
161Bendigo and Adelaide Bank, Number of customers who have gone through the hardship program, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 July 2024 (received 19 September 2024)
162Macquarie Bank, Number of customers who have gone through the hardship program, answers to questions on notice asked at a public hearing from Senator Deborah O’Neill, 8 November 2024 (received 22 November 2024)
Correspondence
1Mr Stuart Turnbull, Acting Deputy CEO, Services Australia, letter correcting evidence given at a public hearing on 20 September 2024 (received 11 October 2024)
Media Releases
1Joint media release from the Chair, Senator Deborah O'Neill and Ms Zaneta Mascarenhas MP, Federal Member for Swan
Tabled Documents
1Bendigo and Adelaide Bank, Opening statement, 8 July 2024, tabled by Mr Richard Fennell, Chief Customer Officer for Consumer Banking at a public hearing in Melbourne on 8 July 2024
2National Australian Bank, Opening statement, 8 July 2024, tabled by Ms Jocelyn Turner, Executive, Customer Resolution and Remediation at a public hearing in Melbourne on 8 July 2024
3Commonwealth Bank of Australia, Opening statement, 8 July 2024, tabled by Ms Kylie Rixon, Chief Risk Officer, Retail Banking Service at a public hearing in Melbourne on 8 July 2024
4AustralAsian Centre, Opening statement, 8 July 2024, tabled by Professor Manjula O’Connor at a public hearing in Melbourne 8 July 2024
5Ms Cathy Oddie, Correspondence with ME Bank, 31 May 2019 and 7 June 2019, tabled by Ms Cathy Oddie at a public hearing in Canberra on 8 August 2024
6Ms Cathy Oddie, Correspondence with CBA, 15 June 2021, tabled by Ms Cathy Oddie at a public hearing in Canberra on 8 August 2024
7Anglicare Financial Counselling Service, Riverina case studies, tabled by Mr Chris Heckenberg at a public hearing in Wagga Wagga on 9 August 2024
8Ms Jenny Rolfe-Wallace, considerations surrounding the experience of financial abuse for people living in rural and regional areas, tabled by Ms Jenny Rolfe-Wallace at a public hearing in Wagga Wagga on 9 August 2024
9UNSW Tax and Business Advisory Clinic, Closing policy gaps: Preventing the weaponisation of the tax system by perpetrators of economic abuse, tabled by Dr Ann Kayis-Kumar, Founder, at a public hearing in Wagga Wagga on 9 August 2024