Submission to: Treasury Joint consumer group submission (led by Choice) in response to the Quality of Advice Review – Consultation Paper – Proposals for Reform (authored by Michelle Levy). The consumer group submission does not support the key proposals for reform. In particular, we recommend that the requirement for financial advisors to provide advice that is in the best interests of their clients is retained. The safe harbour provisions however could be recast as indicative behaviours of compliance. We also recommend that people the licensing requirements for people providing general advice are retained.