Submissions, tabled documents, additional information and answers to questions on notice

Submissions

1          Legal Aid Queensland

2          Commercial Asset Finance Brokers Association of Australia Limited (CAFBA)

3          Financial Planning Association (FPA) 

4          Australian National Audit Office

5          Caxton Legal Centre

6          National Insurance Brokers Association of Australia (NIBA) 

7          ANZ Bank

8          Insurance Council of Australia

9          Australian Institute of Superannuation Trustees (AIST)

10        Community Legal Centres Queensland, Community Legal Centres New South Wales, South Australian Council of Community Legal Services, Federation of Community Legal Centres (Vic), Community Legal Centres Tasmania and Community Legal Centres Association (WA)    

11        Australian Small Business and Family Enterprise Ombudsman

12        Financial Services Council (FSC)    

13        Business Council of Co-operatives and Mutuals (BCCM)

14        Association of Financial Advisers (AFA)

15        Australian Bankers’ Association (ABA) 

16        Customer Owned Banking Association (COBA) 

17        Mr Stephen Johnson 

18        LF Economics

19        CHOICE

20        beyondblue 

21        Care Inc. Financial Counselling Service

22        Australian Lawyers Alliance

22.1    Response to submission 22 from ANZ 

23        SMSF Owners' Alliance

24        Australian Remittance and Currency Providers Association Limited (ARCPA)

25        Public Interest Advocacy Centre Ltd 

26        Mr Glenn Pullin 

26.1    Supplementary to submission 26 

26.2    Response to submission 26 from the Financial Ombudsman Service Australia

27        Acorns Grow Australia Limited

27.1    Response to submission 27 from Commonwealth Bank

28        Dr Serge Diklitch

28.1    Response to submission 28 from MLC Life Insurance 

29        Mr Greg Cadwallader 

30        Mr Tom Azzi 

31        Mr Mohsen Alirezai 

31.1    Response to submission 31 from ANZ

32        Mr Paul Westbury

32.1    Response to submission 32 from Macquarie Group Ltd

33        Mr Alexander Walton 

34        Name Withheld

35        Dr George Tsambourakis

36        Australian Securities and Investments Commission (ASIC)

37        Ms Diane & Mr Max Lock

38        Ms Alida Deligeorges

39        Integrity New Homes

40        Mr Michael Czajka

41        Name Withheld

41.1    Supplementary to submission 41

41.2    Response to submission 41 from the Financial Ombudsman Service Australia

41.3    Response to supplementary submission 41.1 from the Financial Ombudsman Service Australia

42        Mr Mark Newberry

43        Westpac

44        Keep Me Posted

45        Mr Donald Campbell

46        Consumer Action Law Centre

47        Mr Terry Watson

48        Mr Kenneth Miles

49        Mr Patrick Hayes

50        Mr Stuart Fraser

51        Financial Ombudsman Service Australia

52        Financial Rights Legal Centre

53        IAG 

54        Broome Circle Financial Management Program

55        The Australia Institute

56        Finance Sector Union of Australia

57        Australian Timeshare Holiday Ownership Council (ATHOC)    

58        Consumer Credit Legal Service (WA) Inc 

59        Individuals who provided comments through CHOICE online tool

59.1    Response to submission 59 from ANZ

60        Mr Colin Powers 

61        Mr David Bibo 

62        Mr Louis Lalos

63        Name Withheld 

64        Name Withheld 

65        Name Withheld 

66        Name Withheld 

66.1    Response to submission 66 from the Law Society of NSW

66.2    Response to submission 66 from National Australia Bank (NAB)

67        Credit and Investments Ombudsman Limited

68        Dixon Advisory & Superannuation Services Limited 

69        Ms Suzi Burge

69.1    Response to submission 69 from the Financial Ombudsman Service Australia

70        Mr Ralph Binks 

71        Mrs Sue Dawes    

72        Mr Leo & Mrs Helen Southwell

73        Dr Ragnar Purje 

73.1    Response to submission 73 from NAB

74        Ms Leanne Harris

74.1    Response to submission 74 from the Financial Ombudsman Service Australia

74.2    Response to submission 74 from ANZ

75        Ms Michelle Matheson

75.1    Response to submission 75 from the Financial Ombudsman Service Australia

76        Mr Tim & Mrs Marlene Slattery

76.1    Response to submission 76 from the Financial Ombudsman Service Australia

77        Mr Paul Herman

77.1    Response to submission 77 from the Financial Ombudsman Service Australia 

77.2    Response to submission 77 from ANZ 

78        Ms Carolyn Thomson 

78.1    Response to submission 78 from the Financial Ombudsman Service Australia

78.2    Reponse to submission 78 from ANZ 

79        Ms Sandy Neilen

79.1    Response to submission 79 from the Financial Ombudsman Service Australia 

79.2    Response to sunbmission 79 from ANZ 

80        Mr Jim Martinek     

81        Name Withheld 

82        Mr Ian Williamson 

82.1    Response to submission 82 from ANZ 

83        Mr John Wilmott 

84        Mr Graham Marks

85        Bank Reform Now 

86        Ms Sandra Phillips 

87        Dr Evan Jones

88        Ms Ruth Leahy

88.1    Response to submission 88 from ANZ 

89        Name Withheld 

90        Dr Simon Winder 

91        Financial Counselling Australia (FCA) 

92        Name Withheld 

93        Mr Philip and Mrs Kate Pyke

94        Banking and Finance Consumers Support Association (Inc)

94.1    Response to submission 94 from Bendigo and Adelaide Bank

94.2    Response to submission 94 from ANZ 

95        Mr Jon Cook 

96        Confidential  

97        Confidential  

98        Confidential  

99        Confidential  

100     Confidential  

101     Confidential  

102     Confidential  

103     Confidential  

104     Confidential  

105     Mr Peter Johnston 

106     Hon Michael Yabsley

106.1  Response to submission 106 from ANZ 

107     Tasmanian Small Business Council (TSBC) 

107.1  Response to submission 107 from Code Compliance Monitoring Committee 

108     JMA Parties and Staff of Jenolan Village

108.1  Response to submission 108 from the Code Compliance Monitoring Committee 

109     Bank Victims 

109.1  Response to submission 109 from the Code Compliance Monitoring Committee

110     Ms Alison Hale & Mr Greg Saunders 

110.1  Response to submission 110 from RHG Mortgages 

111     Confidential  

112     Name Withheld 

112.1  Response to submission 112 from Commonwealth Bank of Australia     

113     Name Withheld 

114     Name Withheld

115     Mr Mario Menso 

116     Mr Dario Pappalardo

117     Mr Trevor Fothergill 

118     Name Withheld 

119     Mr George Kelepecz

120     Name Withheld

121     Confidential  

122     Confidential  

123     Ms Naomi Halpern 

123.1  Response to submission 123 from Peter Holt

123.2  Response to submission 123 from Korda Mentha

123.3  Response to submission 123 from ANZ

124     Holt Norman Ashman Baker Action Group (HNAB-AG)

124.1  Response to submission 124 from Korda Mentha 

124.2  Response to submission 124 from ANZ 

124.3  Response to submission 124 from Mr Peter Holt 

124.4  Response to submission 124 from Mr John Berrill 

125     Mr Guy Goldrick

126     Mr Tim Boman

127     Mr Christopher and Ms Claire Priestley 

128     Mr Lynton Freeman

129     Mr Graham Heslop, Ms Patricia Harper and Mr Martin Harper

130     Mr Verano Radin 

131     Mr Tony Rigg 

132     Name Withheld 

133     Mr Peter O'Connor 

134     Confidential  

135     Former employees of Carlton and United Breweries 

136     Confidential  

137     Confidential  

138     Ms Beth Irvin 

138.1  Response to submission 138 from ANZ 

139     Mr Nicholas Wright 

140     Ms Karinalee Honeyman 

140.1  Response to submission 140 from NRMA 

141     Confidential  

142     Confidential  

143     Confidential  

144     Confidential  

145     Confidential  

146     Confidential  

147     Confidential

Tabled documents

1          Document tabled by the Australian Securities & Investments Commission at a public hearing held in Sydney on 26 April 2017.

2          Document tabled by the Finance Brokers Association of Australia at a public hearing held in Sydney on 26 April 2017.

3          Document tabled by the Finance Sector Union of Australia at a public hearing held in Sydney on 28 June 2017.

4          Document tabled by Dr Simon Winder at a public hearing held in Sydney on 28 June 2017.

Additional information

1          Document provided by the Finance Brokers Association of Australia following a public hearing held in Sydney on 26 April 2017.

2          Document provided by Consumer Action Law Centre following a public hearing held in Sydney on 26 April 2017.

Answers to questions on notice

1          Answers to questions on notice from a public hearing held in Sydney on 26 April 2017, received from Financial Ombudsman Service Australia on 9 May 2017.

2          Answers to questions on notice from a public hearing held in Sydney on 26 April 2017, received from Financial Rights Legal Centre on 15 May 2017.

3          Answers to questions on notice from a public hearing held in Sydney on 26 April 2017, received from Consumer Action Law Centre on 11 May 2017.

4          Answers to questions on notice from a public hearing held in Sydney on 28 June 2017, received from Mr Phil Khoury, Independent Reviewer, Banking Code on 25 July 2017.

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