vti_encoding:SR|utf8-nl vti_author:SR|Lenovo\\scribepj vti_modifiedby:SR|MSI\\scrib vti_timelastmodified:TR|15 Dec 2023 22:08:18 -0000 vti_timecreated:TR|31 Jul 2022 01:55:41 -0000 vti_shadowfiles:VX| vti_title:SR|Letter to Glenn Dyer vti_extenderversion:SR|6.0.2.5516 vti_backlinkinfo:VX| vti_nexttolasttimemodified:TR|25 Sep 2022 05:39:28 -0000 vti_cacheddtm:TX|18 Sep 2024 22:25:43 -0000 vti_filesize:IR|92204 vti_cachedtitle:SR|Letter to Glenn Dyer vti_cachedbodystyle:SR| vti_cachedlinkinfo:VX|H|../DefinedTerms/Defined_Terms_&_Documents.htm H|mailto:scribepj@bigpond.com H|mailto:elizabeth.sheedy@mq.edu.au H|https://www.smh.com.au/national/keating-the-reverse-bank-has-to-quickly-rediscover-the-gear-stick-20200923-p55yh5.html H|../Writer/Writer.htm H|Letter_to_Paul_Keating_28-Oct-20.htm H|../DefinedTerms/Extensive_Powers_of_the_RBA.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../ABC/Six_Pivotal_Credit_Card_Publications.htm H|../DefinedTerms/Credit_Cards.htm H|../DefinedTerms/Financially_Uneducated_And_Vulnerable.htm H|../Class_Actions/Persistent_Revolvers.htm H|../Writer/Writer.htm H|../Writer/PhilipJohnston-MastersDegree-AppliedFinanceMacqUni.pdf H|https://rmaaustralia.org/event/the-bears-bite-can-you-regulate-accountability/ H|../ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm H|../ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm H|../ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm 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|https://theconversation.com/reserve-bank-dallies-with-indolence-instead-of-helping-government-pursue-full-employment-paul-keating-146768 H|../Class_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|../DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm H|https://www.smh.com.au/national/keating-the-reverse-bank-has-to-quickly-rediscover-the-gear-stick-20200923-p55yh5.html H|../Class_Actions/Transactors_and_Revolvers.htm H|../DefinedTerms/Line_Of_Credit.htm H|../DefinedTerms/Credit_Cards.htm H|../DefinedTerms/User_Pays_Principle.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/Egaliterian_Country.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Statutory_Duty.htm H|../DefinedTerms/Fiduciary_Duty.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../RBA/Sect_11_Reserve_Bank_Act_1959.htm H|../DefinedTerms/Debit_Cards.htm H|../Parliament/WrittenQuestions/Chapter_5.htm H|../Parliament/WrittenQuestions/Chapter_5.htm H|../RBA/Price_stickness_in_credit_card_interest_rates.htm H|../DefinedTerms/Cash_Rate.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|../Writer/Writer.htm H|../DefinedTerms/Financially_Uneducated_And_Vulnerable.htm H|https://www.abc.net.au/news/2020-09-24/paul-keating-attacks-rba-over-recession-response/12694710 H|https://www.abc.net.au/news/2020-09-24/paul-keating-attacks-rba-over-recession-response/12694710 H|https://www.rba.gov.au/media-releases/2021/mr-21-01.html H|https://www.rba.gov.au/media-releases/2021/mr-21-01.html H|../Writer/Writer.htm H|../DefinedTerms/Financial_Literacy.htm H|../Writer/Writer.htm H|Letter_to_Paul_Keating_28-Oct-20.htm H|../Parliament/WrittenQuestions/Chapter_5.htm H|../Parliament/WrittenQuestions/Chapter_5.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Extensive_Powers_of_the_RBA.htm H|../Writer/Writer.htm H|email_to_Susan_Grosovin_sent_29_Oct-20A.htm H|email_to_Susan_Grosovin_sent_4_Nov-20.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../DefinedTerms/PredatorySaleOfAFinancialProduct.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|../Class_Actions/Transactors_and_Revolvers.htm H|../DefinedTerms/Line_Of_Credit.htm H|../DefinedTerms/Credit_Cards.htm H|../DefinedTerms/User_Pays_Principle.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm H|../DefinedTerms/Unconscionable_Conduct.htm H|../DefinedTerms/PredatorySaleOfAFinancialProduct.htm H|../DefinedTerms/Credit_Cards.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|https://www.abc.net.au/news/ian-verrender/5261264 H|../ABC/Is_it_time_for_corporate_watchdog_ASIC_to_be_put_down.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../DefinedTerms/PredatorySaleOfAFinancialProduct.htm H|../DefinedTerms/Parliamentary_Bestowed_Mandate.htm H|../DefinedTerms/Unconscionable_Conduct.htm H|../DefinedTerms/PredatorySaleOfAFinancialProduct.htm H|../Uncon_Cond/BalTransfers/ANZ/ANZ-CreditCards-Conditions-Of-Use.pdf H|../DefinedTerms/Credit_Cards.htm H|https://www.claytonutz.com/knowledge/2020/march/asic-and-apra-provide-update-on-post-financial-services-royal-commission-regulation H|https://download.asic.gov.au/media/5419737/amar-accountabiity-map-published-19-12-2019.pdf H|https://www.apra.gov.au/sites/default/files/Governance\\ and\\ Senior\\ Executive\\ Accountabilities.pdf 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|https://www.pc.gov.au/__data/assets/pdf_file/0018/222174/sub042-financial-system.pdf H|https://www.pc.gov.au/__data/assets/pdf_file/0018/222174/sub042-financial-system.pdf H|../DefinedTerms/Cash_Rate.htm H|../DefinedTerms/Cash_Advance.htm H|../Images/Go_Money_Mastercard_Latitude_Financial.jpg 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|../ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm H|../Actions/Transactors_and_Revolvers.htm H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Credit_Cardholders.htm H|../Actions/Transactors_and_Revolvers.htm H|../ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm H|../DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm H|../DefinedTerms/User_Pays_Principle.htm H|../DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm H|../DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm H|../DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm H|../DefinedTerms/Egaliterian_Country.htm H|../Writer/Writer.htm H|Letter_to_Paul_Keating_28-Oct-20.htm H|../DefinedTerms/User_Pays_Principle.htm H|../DefinedTerms/Credit_Card_Products.htm H|../DefinedTerms/Purchase.htm H|../DefinedTerms/Cash_Advance.htm H|../Writer/Writer.htm H|Letter_to_Paul_Keating_28-Oct-20.htm H|../RoyalCom/Questions/Questions_Table.htm H|Evidence_Facts_Sheet.htm H|../RoyalCom/Questions/Questions_Table.htm H|../DefinedTerms/Three_RBA_Published_Papers.htm H|../RBA/Comms/Response_to_RBA_8_Dec_11b.htm H|../RBA/Comms/Response_to_RBA_8_Dec_11b.htm H|../DefinedTerms/Defined_Terms_&_Documents.htm H|../RBA/FiduciaryDuty/a_brief_history.htm H|../RBA/loan_rate_stickiness.htm H|../TheAustralianInstitute/TheAustralianInstitutePaper_MoneyAndPower.htm H|../RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf H|http://www7.austlii.edu.au/cgi-bin/viewdb/au/legis/cth/consol_act/ba195972/ H|../RBA/Reserve_Bank_Act_1959.pdf H|http://www.austlii.edu.au/au/legis/cth/consol_act/rba1959130/ H|../RBA/C2016C00591.pdf H|https://www.legislation.gov.au/Details/C2016C00591 H|../APRA/APRA_Act_1998.rtf H|https://www.legislation.gov.au/Details/C2018C00058 H|../ASIC/asaica2001529.rtf H|https://www.legislation.gov.au/Details/C2017C00375 H|../ACCC/memorandum_of_understanding.htm H|../ACCC/memorandum_of_understanding.htm H|../ASIC/MOU_ASIC-APRA_1998.htm H|../RBA/FiduciaryDuty/jmr-98-rba-apra-mou.pdf H|../RBA/FiduciaryDuty/jmr-98-rba-apra-mou.pdf H|../APRA/MOA_APRA-ASIC_Nov\\ 1999.htm H|../APRA/MOA_APRA-ASIC_Nov\\ 1999.htm H|../ASIC/Memo_Of_UnderstandingASIC_RBA.htm H|../RBA/AccessRegimes/credit_cards_regulatory_decision.htm H|http://www7.austlii.edu.au/cgi-bin/viewdb/au/legis/cth/consol_act/ba195972/s50.html H|http://www7.austlii.edu.au/cgi-bin/viewdb/au/legis/cth/consol_act/ba195972/ H|http://www7.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/rba1959130/s10.html H|http://www.austlii.edu.au/au/legis/cth/consol_act/rba1959130/s11.html H|http://www7.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/psa1998333/s11.html H|http://www7.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/psa1998333/s12.html H|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html H|../Writer/DeclarationThatTheWriterIsNotConflicted.htm vti_cachedsvcrellinks:VX|FHUS|CreditCards/DefinedTerms/Defined_Terms_&_Documents.htm NHUS|mailto:scribepj@bigpond.com NHUS|mailto:elizabeth.sheedy@mq.edu.au NHSS|https://www.smh.com.au/national/keating-the-reverse-bank-has-to-quickly-rediscover-the-gear-stick-20200923-p55yh5.html FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/Letter_to_Paul_Keating_28-Oct-20.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/ABC/Six_Pivotal_Credit_Card_Publications.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Writer/PhilipJohnston-MastersDegree-AppliedFinanceMacqUni.pdf NHSS|https://rmaaustralia.org/event/the-bears-bite-can-you-regulate-accountability/ FHUS|CreditCards/ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm FHUS|CreditCards/ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm FHUS|CreditCards/ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm 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 NHSS|https://theconversation.com/reserve-bank-dallies-with-indolence-instead-of-helping-government-pursue-full-employment-paul-keating-146768 FHUS|CreditCards/Class_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/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm NHSS|https://www.smh.com.au/national/keating-the-reverse-bank-has-to-quickly-rediscover-the-gear-stick-20200923-p55yh5.html FHUS|CreditCards/Class_Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/Line_Of_Credit.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Egaliterian_Country.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Duty.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/DefinedTerms/Debit_Cards.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/RBA/Price_stickness_in_credit_card_interest_rates.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.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/Writer/Writer.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm NHSS|https://www.abc.net.au/news/2020-09-24/paul-keating-attacks-rba-over-recession-response/12694710 NHSS|https://www.abc.net.au/news/2020-09-24/paul-keating-attacks-rba-over-recession-response/12694710 NHSS|https://www.rba.gov.au/media-releases/2021/mr-21-01.html NHSS|https://www.rba.gov.au/media-releases/2021/mr-21-01.html FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/Letter_to_Paul_Keating_28-Oct-20.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/email_to_Susan_Grosovin_sent_29_Oct-20A.htm FHUS|CreditCards/Comms/email_to_Susan_Grosovin_sent_4_Nov-20.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.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 FHUS|CreditCards/Class_Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/Line_Of_Credit.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.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 NHSS|https://www.abc.net.au/news/ian-verrender/5261264 FHUS|CreditCards/ABC/Is_it_time_for_corporate_watchdog_ASIC_to_be_put_down.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/Uncon_Cond/BalTransfers/ANZ/ANZ-CreditCards-Conditions-Of-Use.pdf FHUS|CreditCards/DefinedTerms/Credit_Cards.htm NHSS|https://www.claytonutz.com/knowledge/2020/march/asic-and-apra-provide-update-on-post-financial-services-royal-commission-regulation NHSS|https://download.asic.gov.au/media/5419737/amar-accountabiity-map-published-19-12-2019.pdf NHSS|https://www.apra.gov.au/sites/default/files/Governance\\ and\\ Senior\\ Executive\\ Accountabilities.pdf 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 NHSS|https://www.pc.gov.au/__data/assets/pdf_file/0018/222174/sub042-financial-system.pdf NHSS|https://www.pc.gov.au/__data/assets/pdf_file/0018/222174/sub042-financial-system.pdf FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/Images/Go_Money_Mastercard_Latitude_Financial.jpg 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/ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.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/ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm FHUS|CreditCards/DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm FHUS|CreditCards/DefinedTerms/TwoExceedinglyCostlyMonthlyInterestChargingPractices.htm FHUS|CreditCards/DefinedTerms/Egaliterian_Country.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/Letter_to_Paul_Keating_28-Oct-20.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/Letter_to_Paul_Keating_28-Oct-20.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.htm FHUS|CreditCards/Comms/Evidence_Facts_Sheet.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.htm FHUS|CreditCards/DefinedTerms/Three_RBA_Published_Papers.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/DefinedTerms/Defined_Terms_&_Documents.htm FHUS|CreditCards/RBA/FiduciaryDuty/a_brief_history.htm FHUS|CreditCards/RBA/loan_rate_stickiness.htm FHUS|CreditCards/TheAustralianInstitute/TheAustralianInstitutePaper_MoneyAndPower.htm FHUS|CreditCards/RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf NHHS|http://www7.austlii.edu.au/cgi-bin/viewdb/au/legis/cth/consol_act/ba195972/ FHUS|CreditCards/RBA/Reserve_Bank_Act_1959.pdf NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/rba1959130/ FHUS|CreditCards/RBA/C2016C00591.pdf NHSS|https://www.legislation.gov.au/Details/C2016C00591 FHUS|CreditCards/APRA/APRA_Act_1998.rtf NHSS|https://www.legislation.gov.au/Details/C2018C00058 FHUS|CreditCards/ASIC/asaica2001529.rtf NHSS|https://www.legislation.gov.au/Details/C2017C00375 FHUS|CreditCards/ACCC/memorandum_of_understanding.htm FHUS|CreditCards/ACCC/memorandum_of_understanding.htm FHUS|CreditCards/ASIC/MOU_ASIC-APRA_1998.htm FHUS|CreditCards/RBA/FiduciaryDuty/jmr-98-rba-apra-mou.pdf FHUS|CreditCards/RBA/FiduciaryDuty/jmr-98-rba-apra-mou.pdf FHUS|CreditCards/APRA/MOA_APRA-ASIC_Nov\\ 1999.htm FHUS|CreditCards/APRA/MOA_APRA-ASIC_Nov\\ 1999.htm FHUS|CreditCards/ASIC/Memo_Of_UnderstandingASIC_RBA.htm FHUS|CreditCards/RBA/AccessRegimes/credit_cards_regulatory_decision.htm NHHS|http://www7.austlii.edu.au/cgi-bin/viewdb/au/legis/cth/consol_act/ba195972/s50.html NHHS|http://www7.austlii.edu.au/cgi-bin/viewdb/au/legis/cth/consol_act/ba195972/ NHHS|http://www7.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/rba1959130/s10.html NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/rba1959130/s11.html NHHS|http://www7.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/psa1998333/s11.html NHHS|http://www7.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/psa1998333/s12.html NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html 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