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|05 Sep 2022 01:58:03 -0000 vti_shadowfiles:VX| vti_title:SR|Letter to Dr. Jim Chalmers vti_extenderversion:SR|6.0.2.5516 vti_backlinkinfo:VX|CreditCards/Comms/Annexure_B/Letter_to_Ross_Greenwood_26-Sept-2022.htm CreditCards/Comms/Annexure_B/Letters_to_Alan_Kirkland_and_three_critical_journalists.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 CreditCards/RBA/Review_of_RBA/RBA_review__terms_of_reference.htm vti_nexttolasttimemodified:TW|25 Nov 2022 01:26:31 -0000 vti_cacheddtm:TX|18 Sep 2024 22:25:43 -0000 vti_filesize:IR|361621 vti_cachedtitle:SR|Letter to Dr. Jim Chalmers vti_cachedbodystyle:SR| 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H|../RBA/Attachment_'D'-Payments_System_Board.htm H|../RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm H|../RBA/AccessRegimes/Division_2_Section_11.htm H|../RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm H|../RBA/DesignatedAndRegulatedPaymentSystems.htm H|../RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm H|../RBA/AccessRegimes/Division_3_Access_to_Designated.htm H|../RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm H|../RBA/DesignatedAndRegulatedPaymentSystems.htm H|../DefinedTerms/Credit_Card_Issuer.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 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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/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 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H|../DefinedTerms/Financial_Literacy.htm H|../DefinedTerms/Credit_Card_Debt.htm H|../SMH/Australian_Govts_allocate_$43m_annually.htm H|../DefinedTerms/Order_of_Payments.htm H|../SMH/credit_card_bankruptcies_could_be_next_banking_scandal.htm H|../SMH/credit_card_bankruptcies_could_be_next_banking_scandal.htm H|../SMH/credit_card_interest_rates_inexplicably_high_Choice.htm H|../SMH/credit_card_interest_rates_inexplicably_high_Choice.htm H|../SMH/credit_card_interest_rates_inexplicably_high_Choice.htm H|../Govt/InterestRatesAndIinformedChoiceInAustralianCreditCardMarket.htm H|../DefinedTerms/Credit_Card_Debt.htm H|../Govt/InterestRatesAndIinformedChoiceInAustralianCreditCardMarket.htm H|../Govt/InterestRatesAndIinformedChoiceInAustralianCreditCardMarket.htm H|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/c05 K|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes K|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes H|../SMH/Regulators_say_huge_credit_card_profits.htm H|../SMH/Regulators_say_huge_credit_card_profits.htm H|../SMH/Regulators_say_huge_credit_card_profits.htm H|../FinCounselling/WithOpportComesResponsibility4FinancialCounselSector.htm H|../SMH/middle_class_hit_by_debt.htm H|../SMH/Australian_Govts_allocate_$43m_annually.htm K|https://www.google.com.au/ H|../Writer/Writer.htm H|../DefinedTerms/Credit_Card_Issuer.htm H|../DefinedTerms/NumeracyAndLiteracyTargeting.htm H|../Actions/Persistent_Revolvers.htm H|../DefinedTerms/Line_Of_Credit.htm H|../Actions/Transactors_and_Revolvers.htm H|../Actions/Occasional_Revolvers.htm H|../News,com,au/ross_greenwood.htm H|../DefinedTerms/Balance_Transfer.htm H|../Parliament/Helping_Australians_avoid_the_credit_card_debt_trap.htm H|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/c05 K|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes K|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes K|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes 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|https://www.pc.gov.au/__data/assets/pdf_file/0018/222174/sub042-financial-system.pdf H|../CreditCardAdvisoryWebsites/South_Dakota_a_favorite_state_for_Credit_Card_companies.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 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H|../DefinedTerms/Credit_Cardholders.htm H|../DefinedTerms/Financial_Literacy.htm H|../Images/LatitudeFinancialGOMastercardWebpage.jpg H|../Actions/Persistent_Revolvers.htm H|../DefinedTerms/Financial_Literacy.htm H|../Actions/CreditCardStatistics_4-May-17.xls H|../DefinedTerms/Credit_Cardholders.htm H|../ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm H|../Choice/$6.3\\ billion_stolen_from_pockets_of_Australians_by_banks_CHOICE.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/Occasional_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 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FHUS|CreditCards/Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/RBA/ConsultatiionDocument2001/Executive_Summary__Reform_of_CreditCardSchemes.htm NHSS|https://www.finder.com.au/credit-cards/credit-card-statistics NHSS|https://www.finder.com.au/credit-cards/credit-card-statistics FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Line_Of_Credit.htm FHUS|CreditCards/SMH/credit_card_interest_rates_inexplicably_high_Choice.htm FHUS|CreditCards/DefinedTerms/QuotesFromReputableAuthorities.htm FHUS|CreditCards/DefinedTerms/QuotesFromReputableAuthorities.htm NHSS|https://www.sciencedirect.com/science/article/abs/pii/S0167487016000234 FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm 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FHUS|CreditCards/Choice/10_costliest_credit_cards_in_Aust.htm FHUS|CreditCards/Choice/10_costliest_credit_cards_in_Aust.htm FHUS|CreditCards/Choice/Make_it_a_payment_facilitator.htm FHUS|CreditCards/Choice/Make_it_a_payment_facilitator.htm FHUS|CreditCards/NewsDaily/banks_can_issue_credit_card_fees.htm FHUS|CreditCards/NewsDaily/banks_can_issue_credit_card_fees.htm FHUS|CreditCards/NewsDaily/banks_can_issue_credit_card_fees.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/CreditCardholdersContributionToGrossRevenue.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/Credit_Card_System.htm FHUS|CreditCards/RBA/ConsultatiionDocument2001/Executive_Summary__Reform_of_CreditCardSchemes.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/Comms/Letter_to_Paul_Keating_28-Oct-20.htm NHSS|https://www.bloomberg.com/news/articles/2020-09-23/keating-slams-reverse-bank-for-failing-to-save-australian-jobs FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.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/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.moneymanagement.com.au/news/policy-regulation/asic-and-apra-accountability-royal-commissioner 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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/NBFIs.htm FHUS|CreditCards/DefinedTerms/NBFIs.htm FHUS|CreditCards/RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf FHUS|CreditCards/DefinedTerms/ParticularsOfDeregulationAndSubsequentRe-regulationAreWellChronicled.htm FHUS|CreditCards/Parliament/house-committee-reports-1991_pp290a.pdf FHUS|CreditCards/CampbellCommittee/FourEconomicReasonsForCampbellReport.htm FHUS|CreditCards/RBA/Deregulation/Australia'sExperienceWithDeregulation.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.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/Federal_Reserve/About_Federal_Reserve_System.htm FHUS|CreditCards/BankOfEngland/CorporateGovernance-BoardResponsibilities.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/DesignatedAndRegulatedPaymentSystems.htm FHUS|CreditCards/RBA/DesignatedAndRegulatedPaymentSystems.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.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/Attachment_'D'-Payments_System_Board.htm FHUS|CreditCards/RBA/Attachment_'D'-Payments_System_Board.htm FHUS|CreditCards/RBA/Attachment_'D'-Payments_System_Board.htm 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/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_Cardholders.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/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 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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/RBA/loan_rate_stickiness.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.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 NHSS|https://www.smh.com.au/business/aba-chief-bell-to-step-down-20090820-erda.html NHSS|https://www.news.com.au/finance/tough-job-for-bankers-spokesman-steven-munchenberg/news-story/5afb6b171c06ba9cb5e6721e57420956 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/2021-Code-A4-Booklet-with-COVID-19-Special-Note-Web.pdf 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/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/Treasury/p2014-FSI-01Final-Report.pdf FHUS|CreditCards/RBA/council_of_financial_regulators.htm NHSS|https://treasury.gov.au/publication/c2014-fsi-final-report NHSS|https://treasury.gov.au/publication/c2014-fsi-final-report NHSS|https://treasury.gov.au/publication/c2014-fsi-final-report FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/WestpacReportOnDereg/WestpacReportOnDeregulation.htm FHUS|CreditCards/WestpacReportOnDereg/WestpacReportOnDeregulation.htm FHUS|CreditCards/WestpacReportOnDereg/WestpacReportOnDeregulation.htm FHUS|CreditCards/WestpacReportOnDereg/WestpacReportOnDeregulation.htm FHUS|CreditCards/FinCounselling/Funding-Financial-Counselling-Australia-Jan-2014.doc FHUS|CreditCards/FinCounselling/Funding-Financial-Counselling-Australia-Jan-2014.doc FHUS|CreditCards/FinCounselling/Funding-Financial-Counselling-Australia-Jan-2014.doc FHUS|CreditCards/FinCounselling/4._Funding_and_Governance.htm FHUS|CreditCards/FinCounselling/4._Funding_and_Governance.htm FHUS|CreditCards/SMH/Australian_Govts_allocate_$43m_annually.htm FHUS|CreditCards/SMH/Australian_Govts_allocate_$43m_annually.htm FHUS|CreditCards/SMH/Australian_Govts_allocate_$43m_annually.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/DefinedTerms/Order_of_Payments.htm FHUS|CreditCards/DefinedTerms/Order_of_Payments.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Debt.htm FHUS|CreditCards/SMH/Australian_Govts_allocate_$43m_annually.htm FHUS|CreditCards/DefinedTerms/Order_of_Payments.htm FHUS|CreditCards/SMH/credit_card_bankruptcies_could_be_next_banking_scandal.htm FHUS|CreditCards/SMH/credit_card_bankruptcies_could_be_next_banking_scandal.htm FHUS|CreditCards/SMH/credit_card_interest_rates_inexplicably_high_Choice.htm FHUS|CreditCards/SMH/credit_card_interest_rates_inexplicably_high_Choice.htm FHUS|CreditCards/SMH/credit_card_interest_rates_inexplicably_high_Choice.htm FHUS|CreditCards/Govt/InterestRatesAndIinformedChoiceInAustralianCreditCardMarket.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Debt.htm FHUS|CreditCards/Govt/InterestRatesAndIinformedChoiceInAustralianCreditCardMarket.htm FHUS|CreditCards/Govt/InterestRatesAndIinformedChoiceInAustralianCreditCardMarket.htm NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/c05 NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes FHUS|CreditCards/SMH/Regulators_say_huge_credit_card_profits.htm FHUS|CreditCards/SMH/Regulators_say_huge_credit_card_profits.htm FHUS|CreditCards/SMH/Regulators_say_huge_credit_card_profits.htm FHUS|CreditCards/FinCounselling/WithOpportComesResponsibility4FinancialCounselSector.htm FHUS|CreditCards/SMH/middle_class_hit_by_debt.htm FHUS|CreditCards/SMH/Australian_Govts_allocate_$43m_annually.htm NHSS|https://www.google.com.au/ FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Line_Of_Credit.htm FHUS|CreditCards/Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/Actions/Occasional_Revolvers.htm FHUS|CreditCards/News,com,au/ross_greenwood.htm FHUS|CreditCards/DefinedTerms/Balance_Transfer.htm FHUS|CreditCards/Parliament/Helping_Australians_avoid_the_credit_card_debt_trap.htm NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/c05 NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Credit_Card_Interest/Report/footnotes 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 NHSS|https://www.pc.gov.au/__data/assets/pdf_file/0018/222174/sub042-financial-system.pdf FHUS|CreditCards/CreditCardAdvisoryWebsites/South_Dakota_a_favorite_state_for_Credit_Card_companies.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/ABC/LetterToExecutiveProducersFourCorners_15-Sept-17.htm FHUS|CreditCards/RoyalCom/SubmissionToRoyalCommission_18-Apr-18.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.htm 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/Comms/Letter_to_Michael_West_10-July-20.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/Comms/Letter_to_Paul_Keating_28-Oct-20.htm FHUS|CreditCards/Comms/Evidence_Facts_Sheet.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.htm NHUS|CreditCards/Comms/Evidence_Facts_Sheets.htm FHUS|CreditCards/Comms/Letter_to_Elizabeth_Sheedy_15-Feb-21.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Egaliterian_Country.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.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/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Egaliterian_Country.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/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 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://www.apra.gov.au/sites/default/files/Governance\\ and\\ Senior\\ Executive\\ Accountabilities.pdf FHUS|CreditCards/RBA/Price_stickness_in_credit_card_interest_rates.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/Images/Go_Money_Mastercard_Latitude_Financial.jpg FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/DefinedTerms/HighestInterestRateCreditCards.htm FHUS|CreditCards/DefinedTerms/HighestInterestRateCreditCards.htm FHUS|CreditCards/DefinedTerms/HighestInterestRateCreditCards.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Images/LatitudeFinancialGOMastercardWebpage.jpg FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Actions/CreditCardStatistics_4-May-17.xls FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/ABC/australian_banks_save_billions_by_failing_to_pass-on_\\ rate_cuts.htm FHUS|CreditCards/Choice/$6.3\\ billion_stolen_from_pockets_of_Australians_by_banks_CHOICE.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/Occasional_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/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm NHSS|https://museum.rba.gov.au/exhibitions/hccoombs-and-first-australians/ FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm NHSS|https://www.news.com.au/finance/economy/australian-economy/rba-governor-philip-lowe-says-its-still-plausible-first-rate-rise-wont-be-before-2024/news-story/5e811bd1c1b95add6f8a0e8c980705f1 FHUS|CreditCards/DefinedTerms/Cash_Rate.htm NHSS|https://www.abs.gov.au/statistics/research/70-years-inflation-australia NHSS|https://www.abs.gov.au/statistics/research/70-years-inflation-australia NHSS|https://www.smh.com.au/business/banking-and-finance/they-have-to-be-held-to-account-future-fund-chairman-lashes-rba-over-rate-rises-20220831-p5beal.html 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 FHUS|CreditCards/Writer/DeclarationThatTheWriterIsNotConflicted.htm vti_cachedneedsrewrite:BR|true vti_cachedhasbots:BR|true vti_cachedhastheme:BR|false 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