vti_encoding:SR|utf8-nl vti_author:SR|Lenovo\\scribepj vti_modifiedby:SR|Lenovo\\scribepj vti_timelastmodified:TR|25 Nov 2022 01:26:30 -0000 vti_timecreated:TR|01 Jul 2020 02:01:19 -0000 vti_shadowfiles:VX| vti_title:SR|Letter to Michael West vti_extenderversion:SR|6.0.2.8161 vti_backlinkinfo:VX| vti_nexttolasttimemodified:TR|12 Aug 2022 02:31:25 -0000 vti_cacheddtm:TX|25 Nov 2022 01:26:30 -0000 vti_filesize:IR|116698 vti_cachedtitle:SR|Letter to Michael West vti_cachedbodystyle:SR| vti_cachedlinkinfo:VX|H|../DefinedTerms/Defined_Terms_&_Documents.htm H|mailto:scribepj@bigpond.com H|https://www.michaelwest.com.au/ H|mailto:website@michaelwest.com.au H|../DefinedTerms/ReserveBankOfAustralia.htm H|../DefinedTerms/Statutory_Duty.htm H|../DefinedTerms/Fiduciary_Duty.htm H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Financial_Literacy.htm H|../RBA/Sect_11_Reserve_Bank_Act_1959.htm H|../DefinedTerms/Debit_Cards.htm H|../DefinedTerms/Cash_Rate.htm H|../DefinedTerms/Purchase_Interest_Rate.htm H|../DefinedTerms/Purchase_Interest_Rate.htm H|../Parliament/WrittenQuestions/Chapter_5.htm H|../DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm H|../Writer/Writer.htm H|../MauriceBlackburn/SecondLetterToMauriceBlackburn_25-Jun-17.htm H|../Class_Actions/Class_Actions.htm H|../Class_Actions/Eligible_Persistent_Revolver_Plaintiffs.htm H|../DefinedTerms/Financially_Uneducated_And_Vulnerable.htm H|../DefinedTerms/Financial_Literacy.htm H|../DefinedTerms/PredatorySaleOfAFinancialProduct.htm H|../DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm H|../DefinedTerms/UnconscionableCreditCardInterestCharging.htm H|../DefinedTerms/Usury_Unsecured_Interest_Rates.htm H|../DefinedTerms/QuantitativeQualitativeExpertAuthority&NewspaperEvidence.htm H|../DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm H|../Class_Actions/Eligible_Persistent_Revolver_Plaintiffs.htm H|../MauriceBlackburn/Maurice_Blackburn_response_letter_14_July_17.pdf H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm H|../DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/NumeracyAndLiteracyTargeting.htm H|../DefinedTerms/NumeracyAndLiteracyTargeting.htm H|../DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm H|../DefinedTerms/Brand_Name.htm H|../DefinedTerms/Four_Pillars.htm H|../DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../ABA/Banking_Code_of_Practice_2019.htm H|../ABC/Banks_revamp_code_of_practice.htm H|../DefinedTerms/Unconscionable_Conduct.htm H|../DefinedTerms/Purchase.htm H|../DefinedTerms/Purchase.htm H|../DefinedTerms/Payment_Due_Date.htm H|../Uncon_Cond/StGeorge/Example_1_St_George_Visa.htm H|https://www.afr.com/companies/financial-services/banks-debunk-credit-card-publicity-stunt-20200609-p550v4 H|https://www.afr.com/companies/financial-services/banks-debunk-credit-card-publicity-stunt-20200609-p550v4 H|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/articles/credit-card-interest-rates-the-ten-worst-cards H|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/articles/credit-card-interest-rates-the-ten-worst-cards H|../Actions/Persistent_Revolvers.htm H|../Actions/CreditCardStatistics_4-May-17.xls H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../DefinedTerms/Cash_Rate.htm H|../Actions/Transactors_and_Revolvers.htm H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Credit_Cardholders.htm H|../Actions/Transactors_and_Revolvers.htm H|../DefinedTerms/User_Pays_Principle.htm H|../DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm H|../DefinedTerms/Credit_Card_Products.htm H|../RBA/Comms/PhilJohnston'sEmailToRBA_sentTues20Dec.htm H|../Writer/Writer.htm H|../RBA/Comms/Response_to_RBA_8_Dec_11b.htm H|../DefinedTerms/User_Pays_Principle.htm H|../RBA/Comms/Section_8_of_Writer's_letter_to_RBA_dated\\ 8_Dec_11.htm H|../RBA/Consultation_Document_14-Dec-2001.htm H|../RBA/Consultation_Document_14-Dec-2001.htm H|../RBA/Consultation_Document_14-Dec-2001.htm H|../DefinedTerms/ReserveBankOfAustralia.htm H|../DefinedTerms/Credit_Cards.htm H|../DefinedTerms/Purchase.htm H|../DefinedTerms/Cash_Advance.htm H|../DefinedTerms/Cash_Rate.htm H|../DefinedTerms/Cash_Rate.htm H|../DefinedTerms/Purchase.htm H|../Parliament/WrittenQuestions/Chapter_5.htm H|https://www.moneymanagement.com.au/news/policy-regulation/asic-and-apra-accountability-royal-commissioner H|https://www.moneymanagement.com.au/news/policy-regulation/asic-and-apra-accountability-royal-commissioner H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Extensive_Powers_of_the_RBA.htm H|../RBA/C2016C00591.pdf H|../DefinedTerms/To_Act_In_The_Public_Interest.htm H|../RBA/AccessRegimes/section_18.htm H|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html H|../RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm H|../RBA/AccessRegimes/Division_2_Section_11.htm H|../RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm H|../RBA/AccessRegimes/Division_3_Access_to_Designated.htm H|../DefinedTerms/Extensive_Powers_of_the_RBA.htm H|../RBA/DesignatedAndRegulatedPaymentSystems.htm H|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html H|../RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm H|../RBA/AccessRegimes/Division_2_Section_11.htm H|../RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm H|../RBA/AccessRegimes/Division_3_Access_to_Designated.htm H|../RBA/C2016C00591.pdf H|http://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/regulations.html H|../RBA/AccessRegimes/section_18.htm H|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html H|../RBA/Consultation_Document_14-Dec-2001.htm H|../DefinedTerms/User_Pays_Principle.htm H|../Actions/CreditCardStatistics_4-May-17.xls H|../DefinedTerms/Credit_Cardholders.htm H|../Actions/Persistent_Revolvers.htm H|../DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm H|../DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm H|../DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm H|../DefinedTerms/ParticularsOfDeregulationAndSubsequentRe-regulationAreWellChronicled.htm H|../RBA/Price_stickness_in_credit_card_interest_rates.htm H|../DefinedTerms/Cash_Rate.htm H|../Parliament/WrittenQuestions/Chapter_17.htm H|../Parliament/WrittenQuestions/Chapter_17.htm H|../DefinedTerms/ReserveBankOfAustralia.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../Images/RBA_Our_Role.jpg H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../RBA/C2016C00591.pdf H|../RBA/PaymentsSystemBoard’sMandate&Objectives.htm H|../DefinedTerms/To_Act_In_The_Public_Interest.htm H|../DefinedTerms/To_Act_In_The_Public_Interest.htm H|../RBA/C2016C00591.pdf H|../RBA/Attachment_'D'-Payments_System_Board.htm H|../RBA/reserve_bank_of_australia_bulletin_July1998.htm H|../RBA/C2016C00591.pdf H|../RBA/C2016C00591.pdf H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../RBA/Part\\ 5—Miscellaneous.htm H|../RBA/C2016C00591.pdf H|../RBA/Section_10_Functions-of-the-RBA_Board..htm H|../RBA/Sect_11_Reserve_Bank_Act_1959.htm H|../DefinedTerms/To_Act_In_The_Public_Interest.htm H|../RBA/AccessRegimes/section_18.htm H|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html H|../RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm H|../RBA/AccessRegimes/Division_2_Section_11.htm H|../RBA/AccessRegimes/Division_2_Section_11.htm H|../DefinedTerms/Section_50_of_Banking_Act_1959.htm H|../RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf H|../DefinedTerms/To_Act_In_The_Public_Interest.htm H|https://www.bankofengland.co.uk/ H|../BankOfEngland/CorporateGovernance-BoardResponsibilities.htm H|../Federal_Reserve/About_Federal_Reserve_System.htm H|https://www.federalreserve.gov/pf/pdf/pf_7.pdf H|https://www.claytonutz.com/knowledge/2014/june/doing-business-in-australia-the-nine-main-regulators H|../RBA/Part\\ 5—Miscellaneous.htm H|../RBA/C2016C00591.pdf H|../DefinedTerms/Credit_Card_Issuer.htm H|../DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/User_Pays_Principle.htm H|../DefinedTerms/User_Pays_Principle.htm H|../RBA/Consultation_Document_14-Dec-2001.htm H|../RBA/Sect_11_Reserve_Bank_Act_1959.htm H|../RBA/Section_10_Functions-of-the-RBA_Board..htm H|../RBA/Section_10_Functions-of-the-RBA_Board..htm H|../RBA/AccessRegimes/section_18.htm H|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html H|../RBA/loan_rate_stickiness.htm H|../DefinedTerms/User_Pays_Principle.htm H|../RBA/Consultation_Document_14-Dec-2001.htm H|../Writer/Writer.htm H|../RBA/Comms/Section_8_of_Writer's_letter_to_RBA_dated\\ 8_Dec_11.htm H|../RBA/Comms/Response_to_RBA_8_Dec_11b.htm H|../RoyalCom/Questions/1st_Q.htm H|../ABA/Banking_Code_of_Practice_2019.htm H|../RBA/C2016C00591.pdf H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Statutory_Duty.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../RBA/PaymentsSystemBoard’sMandate&Objectives.htm H|../DefinedTerms/To_Act_In_The_Public_Interest.htm H|../DefinedTerms/To_Act_In_The_Public_Interest.htm H|../DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../DefinedTerms/NumeracyAndLiteracyTargeting.htm H|../DefinedTerms/Financially_Uneducated_And_Vulnerable.htm H|../DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm H|../DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm H|../DefinedTerms/ReserveBankOfAustralia.htm H|../DefinedTerms/Statutory_Duty.htm H|../DefinedTerms/Fiduciary_Duty.htm H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Financial_Literacy.htm H|../Actions/Persistent_Revolvers.htm H|../Actions/CreditCardStatistics_4-May-17.xls H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm H|../DefinedTerms/Credit_Card_Products.htm H|../Writer/Writer.htm H|../MauriceBlackburn/SecondLetterToMauriceBlackburn_25-Jun-17.htm H|../Writer/Writer.htm H|../RBA/loan_rate_stickiness.htm H|../DefinedTerms/UnconscionableCreditCardInterestCharging.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../ABA/Banking_Code_of_Practice_2019.htm H|../DefinedTerms/UnconscionableCreditCardInterestCharging.htm H|../ABC/Banks_revamp_code_of_practice.htm H|../ABA/Banking_Code_of_Practice_2019.htm H|../ABA/Banking_Code_of_Practice_2019.htm H|../DefinedTerms/Closing_Balance.htm H|../DefinedTerms/Payment_Due_Date.htm H|../DefinedTerms/UnconscionableCreditCardInterestCharging.htm H|../DefinedTerms/Unconscionable_Conduct.htm H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Financial_Literacy.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/NumeracyAndLiteracyTargeting.htm H|../Writer/Writer.htm H|../RBA/Comms/Response_to_RBA_8_Dec_11b.htm H|../DefinedTerms/User_Pays_Principle.htm H|../Writer/Writer.htm H|../MauriceBlackburn/SecondLetterToMauriceBlackburn_25-Jun-17.htm H|../MauriceBlackburn/Maurice_Blackburn_response_letter_14_July_17.pdf H|../Writer/Writer.htm H|Letter_to_Adele_Ferguson_5-Oct-19.htm H|../Writer/Writer.htm H|Letter_to_Ian_Verrender_5-Feb-20.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/Unconscionable_Conduct.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../DefinedTerms/Unconscionable_Conduct.htm H|../DefinedTerms/Financially_Uneducated_And_Vulnerable.htm H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/NumeracyAndLiteracyTargeting.htm H|../DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm H|../DefinedTerms/Financially_Uneducated_And_Vulnerable.htm H|../Class_Actions/Eligible_Persistent_Revolver_Plaintiffs.htm H|../Writer/Writer.htm vti_cachedsvcrellinks:VX|FHUS|CreditCards/DefinedTerms/Defined_Terms_&_Documents.htm NHUS|mailto:scribepj@bigpond.com NHSS|https://www.michaelwest.com.au/ NHUS|mailto:website@michaelwest.com.au FHUS|CreditCards/DefinedTerms/ReserveBankOfAustralia.htm FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Duty.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/DefinedTerms/Debit_Cards.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Purchase_Interest_Rate.htm FHUS|CreditCards/DefinedTerms/Purchase_Interest_Rate.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/MauriceBlackburn/SecondLetterToMauriceBlackburn_25-Jun-17.htm FHUS|CreditCards/Class_Actions/Class_Actions.htm FHUS|CreditCards/Class_Actions/Eligible_Persistent_Revolver_Plaintiffs.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/UnconscionableCreditCardInterestCharging.htm FHUS|CreditCards/DefinedTerms/Usury_Unsecured_Interest_Rates.htm FHUS|CreditCards/DefinedTerms/QuantitativeQualitativeExpertAuthority&NewspaperEvidence.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm FHUS|CreditCards/Class_Actions/Eligible_Persistent_Revolver_Plaintiffs.htm FHUS|CreditCards/MauriceBlackburn/Maurice_Blackburn_response_letter_14_July_17.pdf FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm FHUS|CreditCards/DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm FHUS|CreditCards/DefinedTerms/Brand_Name.htm FHUS|CreditCards/DefinedTerms/Four_Pillars.htm FHUS|CreditCards/DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/ABA/Banking_Code_of_Practice_2019.htm FHUS|CreditCards/ABC/Banks_revamp_code_of_practice.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/DefinedTerms/Payment_Due_Date.htm FHUS|CreditCards/Uncon_Cond/StGeorge/Example_1_St_George_Visa.htm NHSS|https://www.afr.com/companies/financial-services/banks-debunk-credit-card-publicity-stunt-20200609-p550v4 NHSS|https://www.afr.com/companies/financial-services/banks-debunk-credit-card-publicity-stunt-20200609-p550v4 NHSS|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/articles/credit-card-interest-rates-the-ten-worst-cards NHSS|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/articles/credit-card-interest-rates-the-ten-worst-cards FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/Actions/CreditCardStatistics_4-May-17.xls FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/RBA/Comms/PhilJohnston'sEmailToRBA_sentTues20Dec.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/RBA/Comms/Section_8_of_Writer's_letter_to_RBA_dated\\ 8_Dec_11.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/DefinedTerms/ReserveBankOfAustralia.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm NHSS|https://www.moneymanagement.com.au/news/policy-regulation/asic-and-apra-accountability-royal-commissioner NHSS|https://www.moneymanagement.com.au/news/policy-regulation/asic-and-apra-accountability-royal-commissioner FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html FHUS|CreditCards/RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm FHUS|CreditCards/RBA/AccessRegimes/Division_2_Section_11.htm FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/RBA/AccessRegimes/Division_3_Access_to_Designated.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/RBA/DesignatedAndRegulatedPaymentSystems.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html FHUS|CreditCards/RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm FHUS|CreditCards/RBA/AccessRegimes/Division_2_Section_11.htm FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/RBA/AccessRegimes/Division_3_Access_to_Designated.htm FHUS|CreditCards/RBA/C2016C00591.pdf NHHS|http://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/regulations.html FHUS|CreditCards/RBA/AccessRegimes/section_18.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/Actions/CreditCardStatistics_4-May-17.xls FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm FHUS|CreditCards/DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm FHUS|CreditCards/DefinedTerms/Prior_to_the_Campbell_Report,_RBA_rulled_with_Iron_Fist.htm FHUS|CreditCards/DefinedTerms/ParticularsOfDeregulationAndSubsequentRe-regulationAreWellChronicled.htm FHUS|CreditCards/RBA/Price_stickness_in_credit_card_interest_rates.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_17.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_17.htm FHUS|CreditCards/DefinedTerms/ReserveBankOfAustralia.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/Images/RBA_Our_Role.jpg FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/RBA/PaymentsSystemBoard’sMandate&Objectives.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/RBA/Attachment_'D'-Payments_System_Board.htm FHUS|CreditCards/RBA/reserve_bank_of_australia_bulletin_July1998.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/RBA/Part\\ 5—Miscellaneous.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/RBA/Section_10_Functions-of-the-RBA_Board..htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html FHUS|CreditCards/RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm FHUS|CreditCards/RBA/AccessRegimes/Division_2_Section_11.htm FHUS|CreditCards/RBA/AccessRegimes/Division_2_Section_11.htm FHUS|CreditCards/DefinedTerms/Section_50_of_Banking_Act_1959.htm FHUS|CreditCards/RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm NHSS|https://www.bankofengland.co.uk/ FHUS|CreditCards/BankOfEngland/CorporateGovernance-BoardResponsibilities.htm FHUS|CreditCards/Federal_Reserve/About_Federal_Reserve_System.htm NHSS|https://www.federalreserve.gov/pf/pdf/pf_7.pdf NHSS|https://www.claytonutz.com/knowledge/2014/june/doing-business-in-australia-the-nine-main-regulators FHUS|CreditCards/RBA/Part\\ 5—Miscellaneous.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/RBA/Section_10_Functions-of-the-RBA_Board..htm FHUS|CreditCards/RBA/Section_10_Functions-of-the-RBA_Board..htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html FHUS|CreditCards/RBA/loan_rate_stickiness.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RBA/Comms/Section_8_of_Writer's_letter_to_RBA_dated\\ 8_Dec_11.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/RoyalCom/Questions/1st_Q.htm FHUS|CreditCards/ABA/Banking_Code_of_Practice_2019.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/RBA/PaymentsSystemBoard’sMandate&Objectives.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm FHUS|CreditCards/DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm FHUS|CreditCards/DefinedTerms/ReserveBankOfAustralia.htm FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Duty.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/Actions/CreditCardStatistics_4-May-17.xls FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/MauriceBlackburn/SecondLetterToMauriceBlackburn_25-Jun-17.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RBA/loan_rate_stickiness.htm FHUS|CreditCards/DefinedTerms/UnconscionableCreditCardInterestCharging.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/ABA/Banking_Code_of_Practice_2019.htm FHUS|CreditCards/DefinedTerms/UnconscionableCreditCardInterestCharging.htm FHUS|CreditCards/ABC/Banks_revamp_code_of_practice.htm FHUS|CreditCards/ABA/Banking_Code_of_Practice_2019.htm FHUS|CreditCards/ABA/Banking_Code_of_Practice_2019.htm FHUS|CreditCards/DefinedTerms/Closing_Balance.htm FHUS|CreditCards/DefinedTerms/Payment_Due_Date.htm FHUS|CreditCards/DefinedTerms/UnconscionableCreditCardInterestCharging.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/MauriceBlackburn/SecondLetterToMauriceBlackburn_25-Jun-17.htm FHUS|CreditCards/MauriceBlackburn/Maurice_Blackburn_response_letter_14_July_17.pdf FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/Letter_to_Adele_Ferguson_5-Oct-19.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/Letter_to_Ian_Verrender_5-Feb-20.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/Class_Actions/Eligible_Persistent_Revolver_Plaintiffs.htm FHUS|CreditCards/Writer/Writer.htm 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-us HTTP-EQUIV=Content-Type text/html;\\ charset=windows-1252 vti_charset:SR|windows-1252 vti_language:SR|en-us