vti_encoding:SR|utf8-nl vti_author:SR|Lenovo\\scribepj vti_modifiedby:SR|Lenovo\\scribepj vti_timelastmodified:TR|22 Feb 2023 06:20:02 -0000 vti_timecreated:TR|15 Aug 2022 03:16:25 -0000 vti_title:SR|Annexure A vti_extenderversion:SR|6.0.2.8161 vti_backlinkinfo:VX|CreditCards/Comms/Annexure_B/Letter_to_Ross_Greenwood_26-Sept-2022.htm CreditCards/DefinedTerms/Defined_Terms_&_Documents.htm CreditCards/Comms/Letter_to_Jim_Chalmers_7-Sept-22.htm CreditCards/Comms/Annexure_B/Letter_to_Paul_Clitheroe_26-Sept-2022.htm CreditCards/Comms/Annexure_B/Letter_to_David_Koch_26-Sept-2022.htm CreditCards/Comms/Annexure_B/Letter_to_Alan_Kirkland_26-Sept-2022.htm CreditCards/UniOfWollongong/Letter_to_Andy_Schmulow_8-Nov-2022.htm vti_nexttolasttimemodified:TR|05 Nov 2022 06:12:26 -0000 vti_shadowfiles:VX| vti_cacheddtm:TX|15 Dec 2023 22:08:15 -0000 vti_filesize:IR|124991 vti_cachedtitle:SR|Annexure A vti_cachedbodystyle:SR| vti_cachedlinkinfo:VX|H|../DefinedTerms/Defined_Terms_&_Documents.htm H|../DefinedTerms/PredatorySaleOfAFinancialProduct.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/Usury_Unsecured_Interest_Rates.htm H|../DefinedTerms/NumeracyAndLiteracyTargeting.htm H|../DefinedTerms/Financially_Uneducated_And_Vulnerable.htm H|../DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm H|https://www.choice.com.au/ H|mailto:media@choice.com.au H|tel:+61430172669 H|https://www.choice.com.au/authors/alan-kirkland H|https://www.choice.com.au/authors/alan-kirkland H|https://www.choice.com.au/authors/alan-kirkland H|../Choice/$6.3\\ billion_stolen_from_pockets_of_Australians_by_banks_CHOICE.htm K|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/buying-guides/credit-cards K|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/buying-guides/credit-cards H|../../../../../authors/andy-kollmorgen H|../Choice/10_costliest_credit_cards_in_Aust.htm H|../../../../../authors/andy-kollmorgen 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H|mailto:ross.greenwood@nine.com.au H|mailto:ross.greenwood@skynews.com.au H|mailto:r.greenwood@netspace.net.au H|mailto:greenwood.ross@gmail.com H|mailto:sophie.elsworth@news.com.au H|../DailyTelegraph/most_dangerous_credit_card_mistake.htm H|../DailyTelegraph/most_dangerous_credit_card_mistake.htm H|http://www.news.com.au/finance/money/costs/sunrise-host-david-koch-says-australians-are-being-ripped-off/news-story/95df156aa8c39c7bb8a47cf049107e49 H|mailto:sunrise@seven.com.au H|mailto:david.koch@seven.com.au H|mailto:david.koch@pinstripemedia.com.au H|mailto:david.koch@palamedia.com.au H|https://www.investsmart.com.au/author/paul-clitheroe/11667 H|../Parliament/Helping_Australians_avoid_the_credit_card_debt_trap.htm H|https://www.moneymag.com.au/ask-paul-clitheroe-credit-card-cash-advance H|mailto:Paul.Clitheroe@investsmart.com.au H|mailto:support@investsmart.com.au 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H|mailto:admin@carefcs.org H|https://www.wesleymission.org.au/find-a-service/mental-health-and-hospitals/counselling/financial-counselling/ H|mailto:amanda.bailey@wesleymission.org.au H|mailto:maisey.warburton@wesleymission.org.au H|https://www.lifeline.org.au/about/contact-us/ H|tel:6215\\ 9400 H|mailto:contact@lifeline.org.au H|mailto:admin@lifeline.org.au H|tel:1800737732 H|https://www.macrobusiness.com.au/author/leith-van-Onselen H|https://www.macrobusiness.com.au/author/leith/ vti_cachedsvcrellinks:VX|FHUS|CreditCards/DefinedTerms/Defined_Terms_&_Documents.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Usury_Unsecured_Interest_Rates.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm NHSS|https://www.choice.com.au/ NHUS|mailto:media@choice.com.au NHUS|tel:+61430172669 NHSS|https://www.choice.com.au/authors/alan-kirkland NHSS|https://www.choice.com.au/authors/alan-kirkland NHSS|https://www.choice.com.au/authors/alan-kirkland FHUS|CreditCards/Choice/$6.3\\ billion_stolen_from_pockets_of_Australians_by_banks_CHOICE.htm NHSS|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/buying-guides/credit-cards NHSS|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/buying-guides/credit-cards NHUS|file:///F:/authors/andy-kollmorgen FHUS|CreditCards/Choice/10_costliest_credit_cards_in_Aust.htm NHUS|file:///F:/authors/andy-kollmorgen FHUS|CreditCards/Choice/More_than_just_a_piece_of_plastic.htm NHUS|file:///F:/authors/andy-kollmorgen FHUS|CreditCards/Choice/Make_it_a_payment_facilitator.htm NHHS|http://choice.com.au/MakeBankingFair NHSS|https://profiles.uts.edu.au/Thomas.Clarke NHSS|https://theconversation.com/institutions/university-of-technology-sydney-936 NHUS|file:///D:/CreditCards/TheConversation/A_history_of_failed_reform.htm NHUS|file:///D:/CreditCards/TheConversation/A_history_of_failed_reform.htm NHUS|mailto:thomas.clarke@uts.edu.au NHSS|https://theconversation.com/profiles/michelle-grattan-20316 NHSS|https://theconversation.com/labor-pledges-royal-commission-into-bank-behaviour-57490 NHUS|mailto:michelle.grattan@theconversation.com NHSS|https://theconversation.com/profiles/steve-worthington-138 NHSS|https://theconversation.com/institutions/swinburne-university-of-technology-767 NHSS|https://theconversation.com/charging-for-credit-and-debit-card-use-may-become-the-norm-under-new-rules-61508 NHUS|mailto:stevejworthington@gmail.com NHSS|https://theconversation.com/profiles/michelle-grattan-20316 NHUS|file:///D:/CreditCards/TheConversation/ReserveBank_‘dallies_with_indolence’.htm NHSS|https://theconversation.com/profiles/richard-holden-118107 NHUS|mailto:richard.holden@unsw.edu.au NHSS|https://theconversation.com/the-rba-is-not-a-law-unto-itself-an-external-review-would-be-good-for-it-165816 NHSS|https://www.theguardian.com/profile/royce-kurmelovs FHUS|CreditCards/Guardian/borrower_beware.htm NHSS|https://www.theguardian.com/profile/ben-butler FHUS|CreditCards/Guardian/scrapping_responsible_lending_lawa.htm NHSS|https://www.theguardian.com/profile/jillinsley FHUS|CreditCards/Guardian/interestfree_credit_card_trap.htm NHSS|https://www.smh.com.au/national/credit-cards-how-the-poor-pay-for-the-rich-20020401-gdf5sc.html NHSS|https://www.hrmonline.com.au/author/lucinda-schmidt/ FHUS|CreditCards/SMH/middle_class_hit_by_debt.htm NHSS|https://www.smh.com.au/business/banks-cry-poor-tell-em-theyre-creaming-it-20111207-1oj9d.html NHHS|http://www.smh.com.au/business/by/Clancy-Yeates FHUS|CreditCards/SMH/Regulatory_tricks_to_their_credit_in_our_interest.htm NHSS|https://www.smh.com.au/by/shaun-drummond-j7gb5 NHSS|https://www.smh.com.au/business/banking-and-finance/good-shepherd-says-poor-borrowers-should-be-referred-to-no-interest-loans-20150917-gjp1u3.html NHSS|https://www.smh.com.au/by/shaun-drummond-j7gb5 NHHS|http://www.smh.com.au/business/by/Clancy-Yeates FHUS|CreditCards/SMH/big_banks_defend_card_profits.htm NHSS|https://www.smh.com.au/by/shaun-drummond-j7gb5 FHUS|CreditCards/SMH/RBA_calls_out_banks_on_'sticky'_credit_card_interest_rates.htm NHHS|http://www.smh.com.au/business/by/Clancy-Yeates FHUS|CreditCards/SMH/Risky_to_turn_a_blind_eye_to_inequality.htm FHUS|CreditCards/SMH/One_year_after_Hayne.htm NHSS|https://www.smh.com.au/money/beware-sting-in-zero-per-cent-credit-card-deals-20160121-gmajes.html NHSS|https://www.smh.com.au/by/shane-wright-h170pw FHUS|CreditCards/SMH/Shane_Wright/The_Central_Bank_under_fire.htm NHSS|https://www.smh.com.au/by/shane-wright-h170pw FHUS|CreditCards/SMH/OECD_says_now_is_the_time_for_a_review_of_RBA.htm NHSS|https://www.smh.com.au/by/shane-wright-h170pw FHUS|CreditCards/SMH/philip_lowe_and_reserve_bank_about_to_face.htm NHSS|https://www.smh.com.au/by/david-potts-j7gdm NHHS|http://www.smh.com.au/money/borrowing/dumb-debt-can-rack-up-interest-costs-20140310-34iea.html NHSS|https://www.theage.com.au/by/adele-ferguson-hve4m NHSS|https://www.booktopia.com.au/banking-bad-adele-ferguson/book/9780733340116.html NHSS|https://www.booktopia.com.au/search.ep NSSS|https://www.adeleferguson.com.au/unset NHUS|mailto:aferguson@protonmail.com NHSS|https://www.theage.com.au/by/adele-ferguson-hve4m FHUS|CreditCards/SMH/on_dodgy_banks.htm NHSS|https://theconversation.com/profiles/andrew-schmulow-129831 FHUS|CreditCards/SMH/fancy_dress_financial_regulators_MUST_GO.htm NHHS|http://www.smh.com.au/nsw/by/Rachel-Browne-hvebc FHUS|CreditCards/SMH/credit_card_interest_rates_inexplicably_high_Choice.htm NHHS|http://www.smh.com.au/nsw/by/Rachel-Browne-hvebc NHSS|https://www.smh.com.au/by/caitlin-fitzsimmons-j7gbf NHSS|https://www.smh.com.au/money/borrowing/australia-wakes-up-to-30b-credit-card-hangover-20180110-h0gb1o.html NHHS|http://www.smh.com.au/nsw/by/Rachel-Browne-hvebc NHUS|mailto:caitlanfitzsimmons@fairfaxmedia.com.au NHSS|https://www.smh.com.au/by/caitlin-fitzsimmons-j7gbf NHSS|https://www.smh.com.au/money/borrowing/how-to-bust-out-of-credit-card-debt-20180223-p4z1j9.html NHHS|http://www.smh.com.au/nsw/by/Rachel-Browne-hvebc NHUS|mailto:caitlan@caitlanfitzsimmons.com NHUS|mailto:caitlanfitzsimmons@gmail.com NHHS|http://www.smh.com.au/business/by/Liam-Mannix-hvf7m FHUS|CreditCards/SMH/big_banks_accused_of_setting\\ 'debt\\ traps_with_credit_cards.htm NHSS|https://www.9news.com.au/meet-the-team/9-news-com-au/stuart-marsh FHUS|CreditCards/SMH/Aussie_credit_card_customers_rip_off.htm NHSS|https://www.9news.com.au/meet-the-team/9-news-com-au/stuart-marsh NHUS|mailto:smarsh@nine.com.au NHSS|https://www.9news.com.au/meet-the-team/today-show/ross-greenwood FHUS|CreditCards/Finder/Banks_blasted_for_unconscionable_credit_card_lending_Nov-2016.htm NHUS|mailto:ross.greenwood@nine.com.au NHUS|mailto:ross.greenwood@skynews.com.au NHUS|mailto:r.greenwood@netspace.net.au NHUS|mailto:greenwood.ross@gmail.com NHUS|mailto:sophie.elsworth@news.com.au FHUS|CreditCards/DailyTelegraph/most_dangerous_credit_card_mistake.htm FHUS|CreditCards/DailyTelegraph/most_dangerous_credit_card_mistake.htm NHHS|http://www.news.com.au/finance/money/costs/sunrise-host-david-koch-says-australians-are-being-ripped-off/news-story/95df156aa8c39c7bb8a47cf049107e49 NHUS|mailto:sunrise@seven.com.au NHUS|mailto:david.koch@seven.com.au NHUS|mailto:david.koch@pinstripemedia.com.au NHUS|mailto:david.koch@palamedia.com.au NHSS|https://www.investsmart.com.au/author/paul-clitheroe/11667 FHUS|CreditCards/Parliament/Helping_Australians_avoid_the_credit_card_debt_trap.htm NHSS|https://www.moneymag.com.au/ask-paul-clitheroe-credit-card-cash-advance NHUS|mailto:Paul.Clitheroe@investsmart.com.au NHUS|mailto:support@investsmart.com.au NHSS|https://www.couriermail.com.au/news/queensland/central-queensland/business/get-smart-with-credit-cards/news-story/3cbecb1ced97b5b6dd235e80da7d28c0 NHSS|https://www.couriermail.com.au/news/queensland/sunshine-coast/aussies-feeling-pinch-of-debt/news-story/23ccde8e087916a7a59ae076a3f46eda NHSS|https://www.ahuri.edu.au/about/people/staff/dr-nicola-brackertz NHSS|https://researchbank.swinburne.edu.au/items/d9786ab2-4879-4344-9533-e7f04932a438/1/ NHUS|mailto:nicola.brackertz@ahuri.edu.au NHSS|https://www.afr.com/companies/financial-services/rba-puts-an-iron-fist-where-velvet-is-needed-20050919-jjjxh NHUS|mailto:acornell@afr.com.au NHSS|https://www.abc.net.au/news/ian-verrender/5261264 NHSS|https://www.abc.net.au/news/2019-09-30/open-banking-the-revolution-that-could-break-the-banks/11558740 NHSS|https://www.abc.net.au/news/2019-09-30/open-banking-the-revolution-that-could-break-the-banks/11558740 NHUS|mailto:Ian.Verrender@abc.net.au FHUS|CreditCards/Crikey/NAB_drops_penalty_fees.htm FHUS|CreditCards/Crikey/How\\ regulators\\ lost\\ their\\ way.htm FHUS|CreditCards/NewsDaily/How_predatory_banks_are_hooking_credit_card_customers.htm FHUS|CreditCards/DailyTelegraph/Credit_Cards_can_take_100_years_to_pay_off.htm NHHS|http://moneysaverhq.dailytelegraph.com.au/lets-get-drastic-about-credit-card-interest-rates/story-e6frg12c-1226822283559 FHUS|CreditCards/DailyTelegraph/focus_on_spirit_of_bank.htm FHUS|CreditCards/SMH/Let’sGetDrasticAboutCreditCarInterestRates.htm FHUS|CreditCards/NewsDaily/AustraliasMostPredatoryCreditCards.htm NHUS|mailto:geobank@optusnet.com.au NHSS|https://www.finder.com.au/credit-cards/credit-card-statistics NHUS|mailto:graham@hiveempire.com NHUS|mailto:aupr@finder.com FHUS|CreditCards/Finder/Banks_blasted_for_unconscionable_credit_card_lending_Nov-2016.htm NHSS|https://www.ratecity.com.au/author/laine-gordon FHUS|CreditCards/RateCity/worrying_trend.htm NHSS|https://independentaustralia.net/ NHSS|https://independentaustralia.net/profile-on/murray-hunter,145 NHSS|https://independentaustralia.net/business/business-display/who-is-the-reserve-bank-really-looking-after,5243 NHSS|https://consumeraction.org.au/ NHSS|https://consumeraction.org.au/credit-cards-should-not-be-a-lifelong-debt-sentence-media-release/ NHUS|mailto:media@consumeraction.org.au NHUS|mailto:katherine.temple@consumeraction.org NHUS|mailto:Katherine.Temple@hnlaw.com.au NHUS|mailto:Katherine.Temple@hnlaw.com.au NHSS|https://australiainstitute.org.au/ FHUS|CreditCards/TheAustralianInstitute/TheAustralianInstitutePaper_MoneyAndPower.htm NHSS|https://australiainstitute.org.au/expert/josh-fear/ NHSS|https://australiainstitute.org.au/expert/richard-denniss/ NHSS|https://australiainstitute.org.au/expert/david-richardson/ NHSS|https://australiainstitute.org.au/report/where-does-the-buck-stop-community-attitudes-to-over-lending-and-over-spending/ NHSS|https://australiainstitute.org.au/expert/josh-fear/ NHSS|https://australiainstitute.org.au/expert/james-obrien/ NHSS|https://australiainstitute.org.au/ NHSS|https://www.moneysmart.gov.au/borrowing-and-credit/credit-cards/credit-card-balance-transfers NHSS|https://www.financialcounsellingaustralia.org.au/ NHUS|mailto:info@financialcounsellingaustralia.org.au NHUS|mailto:info@financialcounsellingaustralia.org.au NHUS|mailto:hr@familycare.net.au NHSS|https://percapita.org.au/ NHSS|https://percapita.org.au/ NHSS|https://percapita.org.au/our_media/when-i-was-your-age-we-used-a-thing-called-cash-and-other-ways-to-fight-back-against-the-banks/ NHSS|https://percapita.org.au/our-work/ NHSS|https://percapita.org.au/ NHUS|mailto:info@percapita.org.au FHUS|CreditCards/RBA/ConsumerCreditReform&BehaviouralEconomics.pdf NHUS|mailto:law-research@unimelb.edu.au NHUS|tel:61383448946 NHSS|https://financialrights.org.au/media-release-consumer-groups-slam-move-to-remove-responsible-lending-laws/ FHUS|CreditCards/DefinedTerms/QuotesFromReputableAuthorities.htm NHUS|mailto:pmair@speedlink.com.au FHUS|CreditCards/Crikey/you_have_been_warned.htm NHUS|mailto:pmair@speedlink.com.au FHUS|CreditCards/Govt/MATTERS_RELATING_CREDIT_CARD_INTEREST_RATES_Submiss_No,1.htm NHUS|mailto:pmair@speedlink.com.au FHUS|CreditCards/PeterMair/submission_to_council_of_financial_regulators.htm NHSS|https://www.billmitchell.org/ NHUS|mailto:Bill.Mitchell@newcastle.edu.au FHUS|CreditCards/Peter_Tulip/peter_tulip.htm NHUS|mailto:ptulip@cis.org.au NHSS|https://www.smh.com.au/by/peter-tulip-p4ywa1 NHSS|https://www.foxsymes.com.au/ NHUS|mailto:customercare@foxsymes.com.au NHSS|https://www.vinnies.org.au/page/About/Our_Structure/National_Council_of_Australia/ NHSS|https://www.vinnies.org.au/page/About/Our_Structure/National_Council_of_Australia/ NHSS|https://www.vinnies.org.au/page/About/Our_Structure/National_Council_of_Australia/ NHUS|mailto:admin@svdp.org.au NHUS|mailto:media@svdp.org.au NHSS|https://www.salvationarmy.org.au/about-us/news-and-stories/media-newsroom/salvos-call-for-action-on-reforms-to-help-financially-vulnerable-australians/ NHHS|http://theconversation.com/profiles/stephen-king-1374 NHHS|http://theconversation.com/if-only-we-could-see-all-the-credit-card-fees-we-pay-79933 NHSS|https://www.afsa.gov.au/about-us/agency-overview NHUS|tel:1300364785 NHUS|mailto:media@afsa.gov.au NHSS|https://clcs.org.au/ NHUS|mailto:info@clcs.org.au NHSS|https://www.financialcounsellingaustralia.org.au/ NHUS|mailto:info@financialcounsellingaustralia.org.au NHSS|https://fcvic.org.au/ NHUS|tel:0396632000 NHUS|mailto:admin@fcvic.org.au NHUS|mailto:board@fcvic.org.au NHSS|https://goodshep.org.au/services/financial-services/ NHUS|tel:136457 NHUS|tel:1300786696 NHUS|tel:1300765595 NHSS|https://www.uniting.org/services/counselling-mediation/counselling/gambling-and-financial-help NHSS|https://www.uniting.org/services/counselling-mediation/counselling/gambling-and-financial-help NHUS|mailto:ask@uniting.org NHSS|https://www.anglicare-nt.org.au/service-type/financial-inclusion/ NHUS|mailto:anglicare@anglicare-nt.org.au NHSS|https://www.anglicare-nt.org.au/service-type/financial-inclusion/ NHUS|mailto:anglicare@anglicare-nt.org.au NHSS|https://financialrights.org.au/ NHUS|mailto:media@financialrights.org.au NHUS|mailto:info@financialrights.org.au NHSS|https://financialrights.org.au/mob-strong-debt-help/ NHUS|mailto:media@financialrights.org.au NHSS|https://www.carefcs.org/financial-counselling NHUS|mailto:admin@carefcs.org NHSS|https://www.wesleymission.org.au/find-a-service/mental-health-and-hospitals/counselling/financial-counselling/ NHUS|mailto:amanda.bailey@wesleymission.org.au NHUS|mailto:maisey.warburton@wesleymission.org.au NHSS|https://www.lifeline.org.au/about/contact-us/ NHUS|tel:6215\\ 9400 NHUS|mailto:contact@lifeline.org.au NHUS|mailto:admin@lifeline.org.au NHUS|tel:1800737732 NHSS|https://www.macrobusiness.com.au/author/leith-van-Onselen NHSS|https://www.macrobusiness.com.au/author/leith/ vti_cachedneedsrewrite:BR|true vti_cachedhasbots:BR|true vti_cachedhastheme:BR|false vti_cachedhasborder:BR|true vti_botnavbits:SW|C vti_botnavbarthemes:VR| vti_botnavbarfeatures:VR| vti_borderaggregate:SR|default vti_metatags:VR|HTTP-EQUIV=Content-Language en-au HTTP-EQUIV=Content-Type text/html;\\ charset=windows-1252 vti_charset:SR|windows-1252 vti_language:SR|en-au