Joint consumer group submission (led by PIAC) describing the elements of an outcomes-based approach to consumer protection in the National Energy Customer Framework.
23.02.15 Joint submission to the AER's Review of consumer protections for future energy services 13 Feb currentConsumer Protection in the National Energy Customer Framework
Submission to: Australian Energy Regulator
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Pre-Budget Submission Calls for Ongoing Funding for Financial Counselling
Submission to: The Treasury Department
A pre budget submission calling for continued funding for financial counselling.
A pre budget submission calling for continued funding for financial counselling.
United Kingdom Consultation on the Buy Now, Pay Later industry
Submission to: HM Treasury, UK
Joint submission from the Consumer Action Law Centre and FCA to HM Treasury in the United Kingdom. The purpose is to share our experience of the Australian regulatory environment, where BNPL operates outside the credit laws that apply to other lending products. This is a similar situation to that in the UK. A key difference in Australia is that the industry here has developed a self-regulatory Code of Practice. The submission outlines the deficiencies with the Code and why it is not an substitute for adequate regulation, includes some observations about other aspects of the operation of BNPL in Australia and makes suggestions about the design of proportionate regulation. The submission is informed by the casework experiences of financial counsellors (called debt advisors in the UK) and consumer lawyers who are increasingly seeing clients who are experiencing various forms of harm when using the product.
Joint submission from the Consumer Action Law Centre and FCA to HM Treasury in the United Kingdom. The purpose is to share our experience of the Australian regulatory environment, where BNPL operates outside the credit laws that apply to other lending products. This is a similar situation to that in the UK. A key difference in Australia is that the industry here has developed a self-regulatory Code of Practice. The submission outlines the deficiencies with the Code and why it is not an substitute for adequate regulation, includes some observations about other aspects of the operation of BNPL in Australia and makes suggestions about the design of proportionate regulation. The submission is informed by the casework experiences of financial counsellors (called debt advisors in the UK) and consumer lawyers who are increasingly seeing clients who are experiencing various forms of harm when using the product.