vti_encoding:SR|utf8-nl
vti_author:SR|IMAC\\Phil
vti_modifiedby:SR|MSI\\scrib
vti_timelastmodified:TR|20 Sep 2024 03:27:11 -0000
vti_timecreated:TR|27 Mar 2014 23:45:46 -0000
vti_title:SR|Defined Terms & Documents
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NHHS|http://www.abc.net.au/news/2015-05-08/australian-bank-profits-in-pictures/6454428 FHUS|CreditCards/APRA/APRA.htm FHUS|CreditCards/ASIC/ASIC.htm FHUS|CreditCards/RBA/AustRetailersAssoc/Australian_Retailers_Association.pdf FHUS|CreditCards/RBA/AustRetailersAssoc/CreditCardSchemesInAustralia.htm NHSS|https://www.austrac.gov.au/glossary/authorised-deposit-taking-institution-adi FHUS|CreditCards/DefinedTerms/Comparison_Rate_Over_20%.htm FHUS|CreditCards/RBA/AustRetailersAssoc/ARA_response_to_ABA_2001.htm FHUS|CreditCards/DefinedTerms/Balance_Transfer_Fee.htm FHUS|CreditCards/DefinedTerms/balance_transfer_guide.htm FHUS|CreditCards/DefinedTerms/Balance_Transfer.htm FHUS|CreditCards/DefinedTerms/Balance_Transfer.htm FHUS|CreditCards/DefinedTerms/BalanceTransfer_20_years.htm FHUS|CreditCards/DefinedTerms/BalanceTransfer_20_years.htm NHSS|https://australianfoodtimeline.com.au/bankcard-launched/ FHUS|CreditCards/ConsumerAction/ban_bad_products_before_they_cause_harm.htm NHHS|http://www.bfcsa.com.au/ NHHS|http://www.rba.gov.au/publications/bulletin/2011/jun/4.html NHHS|http://www.rba.gov.au/publications/bulletin/2014/jun/5.html FHUS|CreditCards/TheConversation/banking_inquiry_findings__ask_the_wrong_questions.htm NHSS|https://uk.practicallaw.thomsonreuters.com/w-006-9098 FHUS|CreditCards/Guardian/credit_card_horror_stories.htm NHSS|https://www.theguardian.com/profile/calla-wahlquist FHUS|CreditCards/RBA/BANK_INTEREST_RATE_MARGINS.htm FHUS|CreditCards/Treasury/1986bd144.pdf FHUS|CreditCards/ABC/TheQuestionsCommissionerKennethHayneNeedsToAsk.htm FHUS|CreditCards/ABC/TheQuestionsCommissionerKennethHayneNeedsToAsk.htm FHUS|CreditCards/DefinedTerms/Bank_of_England.htm FHUS|CreditCards/SMH/Banknotes_scandal_covered_up.htm FHUS|CreditCards/SMH/big_banks_defend_card_profits.htm FHUS|CreditCards/Finder/Banks_blasted_for_unconscionable_credit_card_lending_Nov-2016.htm FHUS|CreditCards/Finder/Banks_blasted_for_unconscionable_credit_card_lending_Nov-2016.htm FHUS|CreditCards/NewsDaily/banks_can_issue_credit_card_fees.htm FHUS|CreditCards/CECofA/Banks-I_See_Things_Differently.htm FHUS|CreditCards/Crikey/NAB_drops_penalty_fees.htm FHUS|CreditCards/NewsDaily/BanksMilkingCustomersOnCreditCardRates.htm FHUS|CreditCards/SMH/BanksNeedReiningIn,ButAnActIsNotTheWay.htm FHUS|CreditCards/SMH/BanksPlunderTravellersWithForexFeesOnCreditCardTransactions.htm FHUS|CreditCards/ABC/Banks_revamp_code_of_practice.htm FHUS|CreditCards/ASIC/BankwestAmendsCreditCardAdvertisingFollowingASICaction.htm NHHS|http://www.smh.com.au/small-business/benefits-of-economic-deregulation-come-at-a-cost-20090619-cosz.html 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/clancy-yeates-hveh2 FHUS|CreditCards/SMH/BigBanksAccusedOfSetting'DebtTraps'WithCreditCards.htm NHUS|CreditCards/CBA/big_banks_defend_card_profits.htm FHUS|CreditCards/DefinedTerms/$4_billion circa User Pays Fee annually.htm FHUS|CreditCards/Anglicare/bill_shock,_credit_cards_leading_cause.htm FHUS|CreditCards/USA/bill_would_limit_loan,_credit_card_rates.htm FHUS|CreditCards/Choice/black_marks_mean_higher_borrowin.htm FHUS|CreditCards/Guardian/borrower_beware.htm FHUS|CreditCards/DefinedTerms/Brand_Name.htm FHUS|CreditCards/UniOfQld/BreachOfStatutoryDutyRemedyAgainstPublicAuthorities.htm NHHS|http://www.constructionlawmadeeasy.com/Statutoryduty FHUS|CreditCards/RBA/FiduciaryDuty/a_brief_history.htm FHUS|CreditCards/DefinedTerms/BroadTermsOfReference.htm FHUS|CreditCards/SMH/Opinion_Buy_now,_pay_later.htm FHUS|CreditCards/RBA/Chronology.pdf NHHS|http://fsi.gov.au/files/2014/01/Chpt1-12.pdf FHUS|CreditCards/TakeATumble/25_captivating_credit_card_statitists.htm FHUS|CreditCards/DefinedTerms/Card_Acquirer.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Card_Limit.htm FHUS|CreditCards/ASIC/ANZ/Cards_still_fitting_the_payment_bill.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm NHSS|https://www.finder.com.au/understanding-what-cash-advance-interest-rates-are FHUS|CreditCards/DefinedTerms/Cash_Advance_Fee.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm NHSS|https://www.rba.gov.au/statistics/cash-rate/ NHHS|http://www.global-rates.com/interest-rates/central-banks/central-bank-england/boe-interest-rate.aspx NHSS|https://www.theguardian.com/business/grogonomics/2016/oct/02/ceos-bank-on-bonuses-as-average-australian-worker-left-to-flounder FHUS|CreditCards/RBA/changes_in_the_behaviour_of_bank.htm FHUS|CreditCards/ABC/ChangesToBankingCodeCouldMeanSaveOnCreditCardInterest.htm NHSS|https://www.smartcompany.com.au/author/ekoehn/ FHUS|CreditCards/AustConsumerLaw/Chapter_9/chapter_9__other_issues.htm FHUS|CreditCards/DefinedTerms/Charge_Card.htm NHSS|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/articles/choice-calls-on-banks-to-reduce-credit-card-interest-rates NHHS|http://cecaust.com.au/releases/2018_08_08_Financial_Regulators.html FHUS|CreditCards/DefinedTerms/Civil_Penalty.htm FHUS|CreditCards/Actions/Class_Actions.htm FHUS|CreditCards/DefinedTerms/Closing_Balance.htm FHUS|CreditCards/DefinedTerms/Co-branded_or_Companion_Cards.htm FHUS|CreditCards/Guardian/comment_on_the_Govt's_'Better_DealForConsumers'WhitePaper.htm FHUS|CreditCards/NewsDaily/CommonwealthBank’sCraftyCreditCardRipoff.htm FHUS|CreditCards/NewsDaily/CommonwealthBank’sCraftyCreditCardRipoff.htm FHUS|CreditCards/Uncon_Cond/CBA/CBA_traditional_treatment.htm FHUS|CreditCards/DefinedTerms/Companion_Cards.htm FHUS|CreditCards/DefinedTerms/Loan_Comparison_Rate.htm FHUS|CreditCards/Govt/Compensatory_Damages.htm FHUS|CreditCards/DefinedTerms/Compensatory_Damages.htm NHSS|https://www.legislation.gov.au/Details/C2017C00375 NHSS|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/articles/accc-to-put-a-stop-to-excessive-credit-card-surcharging FHUS|CreditCards/RBA/Comprehensive_credit_reporting.htm FHUS|CreditCards/DefinedTerms/Compulsive_Buying_Disorder.htm FHUS|CreditCards/DefinedTerms/Compulsive_Buying_Disorder.htm FHUS|CreditCards/DefinedTerms/Concessional_Interest_\\ Rate_Period.htm FHUS|CreditCards/AustConsumerLaw/ComAffairsRefCom/CommunityAffairsReferencesCommittee.htm FHUS|CreditCards/ConsumerAffairsVic/consumer_affairs_victoria.htm FHUS|CreditCards/ConsumerAction/Credit-Card-Interest-Rates-Submission-10082015-FINAL.pdf FHUS|CreditCards/RBA/consumer-payment-behaviour-in-australia.pdf FHUS|CreditCards/RBA/ConsumerCreditReform&BehaviouralEconomics.pdf FHUS|CreditCards/ConsumerAction/ConsumerProtectionInBbanking.htm NHUS|CreditCards/Actions/posted_on_5_February_2014_by_Katy\\ Barnett1.htm FHUS|CreditCards/BankOfEngland/CorporateGovernance-BoardResponsibilities.htm FHUS|CreditCards/BankOfEngland/supervisory_statement__ss516.htm FHUS|CreditCards/Actions/posted_on_5_February_2014_by_Katy\\ Barnett.htm FHUS|CreditCards/DefinedTerms/Cost_of_Credit_Cards_to_Merchants.htm FHUS|CreditCards/DefinedTerms/CostOfCreditCardTransactionsToCardholders.htm FHUS|CreditCards/RBA/council_of_financial_regulators.htm FHUS|CreditCards/RBA/2001.pdf FHUS|CreditCards/Mondaq/CountingTheCostsOfARoyalCommission.htm FHUS|CreditCards/Finder/credit_card_advertising_rules_and_laws.htm FHUS|CreditCards/SMH/credit_card_bankruptcies_could_be_next_banking_scandal.htm FHUS|CreditCards/Credit_Card_Blues.htm FHUS|CreditCards/RBA/CreditCardLossesGraph.jpg NHSS|https://www.abc.net.au/news/2019-07-15/credit-card-debt-overwhelming-older-australians/11293712 FHUS|CreditCards/DefinedTerms/CreditCardDistressAuthorities.htm NHHS|http://www.hwlebsworth.com.au/latest-news-a-publications/publications/banking-and-financial-services/financial-services-and-regulatory/item/598-credit-card-regulations-released.html FHUS|CreditCards/SMH/CreditCardReportTakesAimAtBanks.htm FHUS|CreditCards/SMH/Credit_card_revolution_is_on_the_way.htm FHUS|CreditCards/Govt/MATTERS_RELATING_CREDIT_CARD_INTEREST_RATES_Submiss_No,1.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholder_Fees.htm FHUS|CreditCards/DefinedTerms/CreditCardholdersContributionToGrossRevenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Debt.htm FHUS|CreditCards/ConsumerAffairsTas/ConsumerAffairsTas.htm FHUS|CreditCards/Euromonitor\\ Int'l/TOC_Credit\\ Cards\\ in\\ Australia.pdf FHUS|CreditCards/Choice/CreditCardDebtAndDebtCollectors.htm NHSS|https://business.highbeam.com/ FHUS|CreditCards/SMH/credit_card_interest_rates_inexplicably_high_Choice.htm FHUS|CreditCards/DefinedTerms/finder-timeline-1.jpg FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm NHSS|https://www.smh.com.au/money/borrowing/credit-card-management-the-43b-a-year-we-waste-20160616-gpl1nv.html NHSS|https://www.smh.com.au/by/nicole-pedersen-mckinnon-hveqa FHUS|CreditCards/DefinedTerms/Credit_Card_Payment_Schemes.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Payment_Schemes.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Repayment.htm FHUS|CreditCards/DefinedTerms/Revenue_Definitions.htm FHUS|CreditCards/DefinedTerms/Credit_Card_System.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/CreditCardFinder,com,au/creditcardfinder,com,au.htm FHUS|CreditCards/ASIC/credit_card_lending_in_australia_July_2018.htm FHUS|CreditCards/RBA/AccessRegimes/credit_cards_regulatory_decision.htm FHUS|CreditCards/RBA/AustRetailersAssoc/CreditCardSchemesInAustralia.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Purchase_Transaction.htm FHUS|CreditCards/DefinedTerms/CreditCardTravelInsurance.htm NHSS|https://www.savings.com.au/credit-cards/credit-card-use-rises-despite-fewer-accounts/ NHHS|http://www.Savings.com.au FHUS|CreditCards/ABC/Credit_card_users_struggling_under_mountain_of-debt.htm NHSS|https://www.abc.net.au/news/peter-ryan/167104 FHUS|CreditCards/RBA/CreditLossesAtAustralianBanks.htm FHUS|CreditCards/DefinedTerms/Credit_Report.htm FHUS|CreditCards/DefinedTerms/Credit_Report.htm FHUS|CreditCards/DefinedTerms/Credit_Report.htm FHUS|CreditCards/DefinedTerms/Credit_Reporting_Bodies.htm FHUS|CreditCards/DefinedTerms/Credit_Reporting_Bodies.htm FHUS|CreditCards/DefinedTerms/Credit_Reporting_Bodies.htm FHUS|CreditCards/SMH/CreepingDangerOfAustralianHouseholdss.htm NHSS|https://www.pc.gov.au/__data/assets/pdf_file/0019/204373/sub132-data-access.pdf FHUS|CreditCards/Choice/CuttingCreditCardConfusion-SubmissionToSenateEcono.rtf NHSS|https://www.stepchange.org/Portals/0/documents/media/reports/8_billion_challenge.pdf FHUS|CreditCards/DefinedTerms/Debit_Cards.htm FHUS|CreditCards/DefinedTerms/Debt_Collection_Agencies.htm FHUS|CreditCards/Writer/DeclarationThatTheWriterIsNotConflicted.htm FHUS|CreditCards/RBA/DesignatedAndRegulatedPaymentSystems.htm NHSS|https://www.greenleft.org.au/content/deregulation-and-rule-big-banks FHUS|CreditCards/RBA/AccessRegimes/section_18.htm FHUS|CreditCards/RBA/AccessRegimes/Determine_Standards.htm NHHS|http://www.rba.gov.au/payments-and-infrastructure/review-of-card-payments-regulation/developments-card-payments-mkt.html FHUS|CreditCards/DefinedTerms/Directed_to_Financial_Services_Regulators.htm FHUS|CreditCards/ConsumerAffairsVic/WhatDoWeMeanByVulnerableAndDisadvantagedConsumersDiscussionPaper.PDF FHUS|CreditCards/RBA/AccessRegimes/Division_2_Section_11.htm FHUS|CreditCards/RBA/AccessRegimes/Division_3_Access_to_Designated.htm FHUS|CreditCards/Choice/Dont_bank_on_the_big_four.htm FHUS|CreditCards/RBA/Coles_Myer_Ltd.htm FHUS|CreditCards/DefinedTerms/Payment_Due_Date.htm FHUS|CreditCards/DefinedTerms/DubiousCreditCardWebsites.htm FHUS|CreditCards/SMH/Dumb_debt_can_rack_up_interest_costs.htm FHUS|CreditCards/SenateCommittee/EconomicsLeglislationCommittee.htm FHUS|CreditCards/DefinedTerms/eftpos.htm FHUS|CreditCards/DefinedTerms/eftpos_Cards.htm FHUS|CreditCards/DefinedTerms/Egaliterian_Country.htm FHUS|CreditCards/DefinedTerms/Equitability_Cost_Contribution_Scheme.htm FHUS|CreditCards/Ombudsman/presentation-essential-banking-law-and-practice-bfso.pdf FHUS|CreditCards/DefinedTerms/Estimated_Annual_Credit_Card_Interest_Revenue.htm FHUS|CreditCards/MelbUniLawSchool/everyday_consumer_credit_overview_BackgroundPaperNo4.htm FHUS|CreditCards/Uncon_Cond/StGeorge/Example_1_St_George_Visa.htm FHUS|CreditCards/Uncon_Cond/Coles/Example_2_Coles_MasterCard.htm FHUS|CreditCards/Uncon_Cond/BalTransfers/ANZ/ANZ_First_Visa/Example_3_ANZ_First_Visa_Card.htm FHUS|CreditCards/Uncon_Cond/BalTransfers/Bankwest/Example_4_Bankwest_More_Mastercard.htm FHUS|CreditCards/SMH/AmericanExpLowRateCard/AmericanExpLowRateCard.htm FHUS|CreditCards/SMH/AmericanExpLowRateCard/AmericanExpLowRateCard.htm FHUS|CreditCards/Uncon_Cond/Citi_Rewards/Citi_Reward_credit_card.htm FHUS|CreditCards/Uncon_Cond/HSBC/HSBC_Platinum_Credit_Card.htm FHUS|CreditCards/Uncon_Cond/HSBC/HSBC_Platinum_Credit_Card.htm FHUS|CreditCards/Uncon_Cond/BalTransfers/Citibank/Example_8_Three_Ciit_Cards.htm FHUS|CreditCards/Uncon_Cond/AMEX_Explorer_Card/Example_9_American_Express.htm FHUS|CreditCards/Uncon_Cond/AMEX_Explorer_Card/Example_9_American_Express.htm NHSS|https://www.stepchange.org/Portals/0/documents/media/reports/Transforming_lives_exec.pdf NHSS|https://www.stepchange.org/Portals/0/documents/media/reports/Transforming_lives_exec.pdf FHUS|CreditCards/Expect_more_interest_rate_rises.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/RBA/ExtractsFromReserveBank_LoanRateStickness_re_RegulatedLendingInterestRates.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm FHUS|CreditCards/Actions/Evidence_Check_List.htm FHUS|CreditCards/RBA/EvolutionOfPaymentCostsInAust.htm FHUS|CreditCards/RBA/FiduciaryDuty/overview_of_financial_services_post_deregulation.htm FHUS|CreditCards/SMH/fancy_dress_financial_regulators_MUST_GO.htm FHUS|CreditCards/DefinedTerms/Fees_Levied_On_Wholesale_Supply_Side.htm FHUS|CreditCards/DefinedTerms/Fiduciary.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Duty.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Relationship.htm FHUS|CreditCards/FinCounselling/FCA_comments_on_banking_royal_commission.htm FHUS|CreditCards/DefinedTerms/FinancialCorporationsAct(Cth)1974.htm FHUS|CreditCards/SMH/Australian_Govts_allocate_$43m_annually.htm NHSS|https://www.financialcounsellingaustralia.org.au/fca-content/uploads/2022/01/FCA-Pre-Budget-Submission-2022-23.pdf FHUS|CreditCards/FinCounselling/FinancialCounsellingAustralia'sOnHowToFixFinancialServices.htm FHUS|CreditCards/Melb_Institute/financial_deregulation__the_scorecard.htm FHUS|CreditCards/DefinedTerms/Financial_Hardship.htm FHUS|CreditCards/DefinedTerms/Financial_Institutions_collapses_Australia.htm FHUS|CreditCards/Treasury/FINANCIAL_INSTITUTION_FAILURES_IN_AUST.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/USA/Financial_literacy_and_credit_cards_USA.htm FHUS|CreditCards/AFR/FinancialLiteracyOfAustralianTeenagersFalling.htm FHUS|CreditCards/DefinedTerms/Financially_Educated.htm FHUS|CreditCards/DefinedTerms/Financially_Educated.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Financial\\ Services\\ Industry.htm FHUS|CreditCards/DefinedTerms/Financial_Services_Reformists.htm FHUS|CreditCards/DefinedTerms/Financial_Stress.htm FHUS|CreditCards/SMH/financial_stress_drives_huge_rise_in_credid_card_applications.htm NHSS|https://www.smh.com.au/by/john-collett-1mblbh NHHS|http://fsi.gov.au/files/2014/01/Chpt1-12.pdf NHSS|https://treasury.gov.au/publication/c2014-fsi-final-report NHSS|https://treasury.gov.au/publication/c2014-fsi-final-report FHUS|CreditCards/Treasury/p2014-FSI-01Final-Report.pdf FHUS|CreditCards/DefinedTerms/Foreign_Transaction_Fee.htm FHUS|CreditCards/DefinedTerms/ForfeitInterestFreePeriodPurchaseInterest\\ .htm FHUS|CreditCards/DefinedTerms/ForfeitInterestFreePeriodPurchaseInterest\\ .htm FHUS|CreditCards/USA/FourImportantTrendsShapingFutureCreditCards.htm FHUS|CreditCards/DefinedTerms/Four-Party_Schemes.htm FHUS|CreditCards/DefinedTerms/Four_Pillars.htm FHUS|CreditCards/CampbellCommittee/FourEconomicReasonsForCampbellReport.htm FHUS|CreditCards/Actions/FourTypesOfRevolvers.htm NHHS|http://www.oaic.gov.au/freedom-of-information/access-to-documents FHUS|CreditCards/DefinedTerms/Free_Ride.htm FHUS|CreditCards/AFR/From_pizzas_to_credit_cards__ho.htm FHUS|CreditCards/AFR/From_pizzas_to_credit_cards__ho.htm NHSS|https://www.smh.com.au/business/banking-and-finance/from-the-archives-1960-reserve-bank-of-australia-created-20200109-p53q8h.html FHUS|CreditCards/Guardian/Frydenberg's_move_to_dump_lending_laws_'shortsighted'.htm FHUS|CreditCards/Govt/Government_response_to_FSI_2015.pdf FHUS|CreditCards/Govt/Government_response_to_FSI_2015.pdf FHUS|CreditCards/Govt/Summary_Government_response_to_FSI_2015.pdf FHUS|CreditCards/MelbUniLawSchool/Government_liability_in_negligence.htm FHUS|CreditCards/Govt/Conley.pdf FHUS|CreditCards/DefinedTerms/Interest_Free_Period.htm FHUS|CreditCards/Guardian/HaveWeOverEstimatedPowerOfCentralBanks.HTM FHUS|CreditCards/Parliament/Helping_Australians_avoid_the_credit_card_debt_trap.htm FHUS|CreditCards/Parliament/Helping_Australians_avoid_the_credit_card_debt_trap.htm FXUS|CreditCards/Parliament/Helping_Australians_avoid_the_credit_card_debt_trap.htm FHUS|CreditCards/RoyMorgan/HighIncomesRunUpRelativelyLessDebtOnMajorCards.htm FHUS|CreditCards/DefinedTerms/HighestInterestRateCreditCards.htm FHUS|CreditCards/Oct2016/HighFee-\\ LowCreditPredatoryCreditCardsPreyUpon_the_Poor.htm FHUS|CreditCards/DefinedTerms/Card_history.htm FHUS|CreditCards/TheDrum/Honest_History.htm FHUS|CreditCards/Parliament/Senate_Committee_enquiry_into_four_banks_Oct-2016.htm FHUS|CreditCards/RBA/bu-0317-7-how-australians-pay-new-survey-evidence.pdf FHUS|CreditCards/NewPenguin/How_credit_card_companies_make_and_Earn_Money.htm FHUS|CreditCards/NewsDaily/How_predatory_banks_are_hooking_credit_card_customers.htm FHUS|CreditCards/RBA/HowDoesMonetartPolicyImpactTheEconomy.htm FHUS|CreditCards/Canstar/HowMuchAreYouPayingInCreditCardInterest.htm FHUS|CreditCards/Crikey/How\\ regulators\\ lost\\ their\\ way.htm FHUS|CreditCards/SMH/How_the_poor_pay_for_the_rich.htm FHUS|CreditCards/UniOfWollongong/HowToCaptureFullExtentCreditCardInterestRates.htm FHUS|CreditCards/Choice/Make_it_a_payment_facilitator.htm NHHS|http://asic.gov.au/about-asic/contact-us/how-to-complain/ NHSS|https://www.mine.com.au/wellbeing/all/foundations/foundations-(collection-item-page)/how-to-overcome-financial-stress FHUS|CreditCards/WestpacReportOnDereg/WestpacReportOnDeregulation.htm NHHS|http://www.treasury.gov.au/~/media/Treasury/Publications\\ and\\ Media/Publications/2015/Government\\ response\\ to\\ the\\ Financial\\ System\\ Inquiry/Downloads/PDF/Government_response_to_FSI_2015.ashx FHUS|CreditCards/Govt/Credit_card_reforms_CP.docx FHUS|CreditCards/DefinedTerms/Initial_Reaction_by_Reserve_Bank.htm FHUS|CreditCards/DefinedTerms/Interchange_Fees.htm NHHS|http://www.rba.gov.au/payments-and-infrastructure/review-of-card-payments-regulation/ FHUS|CreditCards/DefinedTerms/Interest_And_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Interest_Rate.htm FHUS|CreditCards/DefinedTerms/18_percent_interest_rate_Cap.htm FHUS|CreditCards/GriffithUni/Interest_rate_caps.htm FHUS|CreditCards/GriffithUni/Interest_rate_caps.htm FHUS|CreditCards/DefinedTerms/Interest_Rate.htm FHUS|CreditCards/DefinedTerms/Interest_Rate.htm FHUS|CreditCards/SMH/interest_rates_are_set_to_keep_rising.htm NHSS|https://www.abc.net.au/news/ian-verrender/5261264 FHUS|CreditCards/SMH/interest_rates_Lowe-not_the_problem.htm NHSS|https://www.smh.com.au/by/ross-gittins-hve16 FHUS|CreditCards/Guardian/interestfree_credit_card_trap.htm FHUS|CreditCards/DefinedTerms/Interest_Free_Period.htm FHUS|CreditCards/DefinedTerms/Interest_Free_Period.htm FHUS|CreditCards/Govt/InterestRatesAndIinformedChoiceInAustralianCreditCardMarket.htm FHUS|CreditCards/DefinedTerms/Interest_rates_on_credit_card_debt.htm FHUS|CreditCards/DefinedTerms/Intellectual_Property.htm FHUS|CreditCards/RoyalCom/InterimReport/Interim_Report_of_the_Royal_Commission.htm FHUS|CreditCards/FinCounselling/subpfr372-human-services-identifying-reform.pdf FHUS|CreditCards/ABC/Is_it_time_for_corporate_watchdog_ASIC_to_be_put_down.htm NHSS|https://www.abc.net.au/news/ian-verrender/5261264 FHUS|CreditCards/Guardian/It'sNotEvenScratchedTheSurface.htm FHUS|CreditCards/TheConversation/It_will_\\ take_more_than_a_royal_commission_to_tame_the_banks.htm FHUS|CreditCards/SalvationArmy/I_WISH_I’D_KNOWN_SOONER!.htm FHUS|CreditCards/DefinedTerms/Key_Facts_Sheet.htm FHUS|CreditCards/UniOfWollongong/Labor_and_financial_deregulation.htm FHUS|CreditCards/TheConversation/LaborPledgesRoyalCommissionIintoBbankBehaviour.htm FHUS|CreditCards/SMH/Labor's_proposal_of_a_royal_commission_is_reckless.htm FHUS|CreditCards/DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm FHUS|CreditCards/DefinedTerms/Lack_Financial_Acumen.htm FHUS|CreditCards/DefinedTerms/Late_Payment_Fee.htm FHUS|CreditCards/GoodSheperd/Life_changing_loans_at_no_interest.htm FHUS|CreditCards/DefinedTerms/Revolving_Line_Of_Credit.htm FHUS|CreditCards/DefinedTerms/Literacy__Defined_Terms_&_Documents.htm FHUS|CreditCards/DefinedTerms/Loan_Comparison_Rate.htm FHUS|CreditCards/RBA/loan_rate_stickiness.htm FHUS|CreditCards/Images/interest_rates_1900_on.jpg FHUS|CreditCards/DefinedTerms/LowestInterestRateCashAdvanceCards.htm FHUS|CreditCards/FinCounselling/major_national_debt_helpline_campaign.htm FHUS|CreditCards/ProductivityCommission/MappingAdultLiteracyPerformance.docx FHUS|CreditCards/DefinedTerms/Margin_Has_Increased.htm FHUS|CreditCards/DefinedTerms/MaterialInterest&Fees.htm FHUS|CreditCards/ProductivityCommission/Media_Release.htm FHUS|CreditCards/RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm FHUS|CreditCards/RBA/StandardsForEFTPOS_andVisaDebitPaymentSystems.htm FHUS|CreditCards/RBA/FiduciaryDuty/jmr-98-rba-apra-mou.pdf FHUS|CreditCards/ASIC/Memo_Of_UnderstandingASIC_RBA.htm FHUS|CreditCards/ACCC/mou-accc-asic.pdf FHUS|CreditCards/ACCC/memorandum_of_understanding.htm FHUS|CreditCards/ACCC/memorandum_of_understanding.htm FHUS|CreditCards/ASIC/MOU_ASIC-APRA_1998.htm FHUS|CreditCards/ASIC/MOU_ASIC-APRA_1998.htm FHUS|CreditCards/APRA/MoU-ACCC-Australian-Competition-and-Consumer-Commission.pdf FHUS|CreditCards/SMH/Memo_RBA_Board.htm FHUS|CreditCards/Govt/Misfeasance_in_public_office.htm FHUS|CreditCards/DefinedTerms/Merchant.htm FHUS|CreditCards/DefinedTerms/Merchant_Service_Fee.htm FHUS|CreditCards/DefinedTerms/Minimum_Payment.htm FHUS|CreditCards/DefinedTerms/Minimum_Payment.htm FHUS|CreditCards/RBA/MONETARY_POLICY_FRAMEWORK.htm FHUS|CreditCards/RBA/MONETARY_POLICY_FRAMEWORK_Mar_1999.htm FHUS|CreditCards/TheAustralianInstitute/TheAustralianInstitutePaper_MoneyAndPower.htm FHUS|CreditCards/ComGovReview2022/How_buy_now_pay_later_works_MoneySmart.htm FHUS|CreditCards/DefinedTerms/Monthly_Account_Service_Fee.htm FHUS|CreditCards/DefinedTerms/Monthly_Credit_Card_Statement.htm FHUS|CreditCards/Choice/More_than_just_a_piece_of_plastic.htm NHSS|https://www.choice.com.au/money/credit-cards-and-loans/credit-cards/buying-guides/credit-cards FHUS|CreditCards/DefinedTerms/Multiple_Credit_Cards.htm FHUS|CreditCards/ASIC/NationalConsumerCreditProtectionBill2009.html FHUS|CreditCards/RBA/NationalConsumerCreditProtAct_2011.htm NHHS|http://www5.austlii.edu.au/au/legis/cth/consol_reg/nccpr2010486/sch6.html FHUS|CreditCards/Treasury/National_Credit_Reform_Green_Paper.pdf NHHS|http://www.ndh.org.au/ FHUS|CreditCards/Oct2016/national_financial_literacy_strategy_2014-17.htm FHUS|CreditCards/APRA/Navigating_the_new_framework.htm FHUS|CreditCards/DefinedTerms/NBFIs.htm FHUS|CreditCards/Hobart_Legal/negligence_and_the_duty_of_care.htm FHUS|CreditCards/ACOSS/new_ACOSS_report_claims_gap_between_rich_and_poor_widening.htm NHSS|https://salvos.org.au/about-us/news-and-stories/media-newsroom/new-data-reveals-vulnerable-australians-are-drowning-in-debt/ FHUS|CreditCards/McKinsey/New_frontiers.htm FHUS|CreditCards/McKinsey/New_frontiers.htm FHUS|CreditCards/DefinedTerms/New_Maximum_Interest_Rate_Cap.htm FHUS|CreditCards/FinCounselling/new_research_shows_buy_now_pay_later_not_a_low_cost_option.htm FHUS|CreditCards/SMH/Newspaper_articles_re_credit_card_debt.htm FHUS|CreditCards/DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyAuthorities.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyDiscrimination.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyRangeOfAustralians.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyRangeOfAustralians.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyRangeOfAustralians.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyRangeOfAustralians.htm FHUS|CreditCards/Actions/Occasional_Revolvers.htm 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/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/DefinedTerms/On_Charged_Scheme_Fees.htm FHUS|CreditCards/SMH/One_year_after_Hayne.htm FHUS|CreditCards/DefinedTerms/one_week_of_hearings_six_hours.htm FHUS|CreditCards/DefinedTerms/Online_Payment_Provider.htm FHUS|CreditCards/DefinedTerms/Operational_Risk_Capital.htm FHUS|CreditCards/DefinedTerms/Order\\ of\\ Payments.htm FHUS|CreditCards/DefinedTerms/OrderOfPayments.htm FHUS|CreditCards/DefinedTerms/Order_of_Payments.htm FHUS|CreditCards/DefinedTerms/Order_of_Payments.htm FHUS|CreditCards/DefinedTerms/Order_of_Payments.htm FHUS|CreditCards/RBA/History/origins-of-the-reserve-bank-of-australia.pdf FHUS|CreditCards/DefinedTerms/OtherDocReferToVulnerableAtRiskCardholders.htm FHUS|CreditCards/DefinedTerms/Outstanding_Indebtedness.htm FHUS|CreditCards/DefinedTerms/Outstanding_Indebtedness.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/OverLimit_Fee.htm FHUS|CreditCards/DefinedTerms/OverLimit_Fee.htm FHUS|CreditCards/DefinedTerms/OverLimit_Fee.htm FHUS|CreditCards/RBA/FiduciaryDuty/overview_of_financial_services_post_deregulation.htm FHUS|CreditCards/RBA/Excel/c02.docx FHUS|CreditCards/ASIC/ANZ/paciocco__anor_v_australia_and.htm FHUS|CreditCards/Parliament/Papers,ArticlesOnStatutoryDuty.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/ABC/ParliamentaryActs\\ MoU's.htm 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FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/SMH/personal_loan_interest_rates_remain_static.htm NHSS|https://www.smh.com.au/by/john-collett-1mblbh FHUS|CreditCards/SMH/philip_lowe_and_reserve_bank_about_to_face.htm NHSS|https://www.smh.com.au/politics/federal/rba-governor-pushes-back-against-review-of-the-bank-as-economists-say-it-s-time-20210806-p58gj7.html NHSS|https://www.smh.com.au/by/shane-wright-h170pw NHSS|https://www.smh.com.au/by/jennifer-duke-gj652w FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Previous_Month's_Purchases.htm FHUS|CreditCards/DefinedTerms/Price_Stickiness_For_Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Primary_Information.htm FHUS|CreditCards/DefinedTerms/Primary_Information.htm 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FHUS|CreditCards/RBA/reserve_bank_of_australia_bulletin_July1998.htm FHUS|CreditCards/RBA/ReformOfCreditCardSchemesInAust-Media_Release_14-Dec-01.htm FHUS|CreditCards/RBA/Consultation_Document_2005.htm FHUS|CreditCards/SMH/reformingthedog.htm FHUS|CreditCards/AustConsumerLaw/RIS_2008/Regulators_hit_American_Express.htm FHUS|CreditCards/DefinedTerms/Regulatory_Capture.htm FHUS|CreditCards/TheDrum/regulatory_madness_in_the_banking_world.htm FHUS|CreditCards/ASIC/RelationshipWithAustralianCompetition_\\ and_ConsumerCommission.htm NHSS|https://www.stepchange.org/policy-and-research/debt-research.aspx FHUS|CreditCards/RBA/RESERVE_BANK_ACT_1959.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/DefinedTerms/ReserveBankOfAustralia.htm FHUS|CreditCards/DefinedTerms/ReserveBankCopiousPublications.htm FHUS|CreditCards/DefinedTerms/ReserveBankCopiousPublications.htm FHUS|CreditCards/RBA/Attachment\\ 'C'__RBA-Our_Role.htm 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FHUS|CreditCards/DefinedTerms/Purchase_Interest_Rate.htm FHUS|CreditCards/FinCounselling/Standards_for_Agencies_employing_Fin_Counsellors.htm FHUS|CreditCards/DefinedTerms/Payment_Due_Date.htm FHUS|CreditCards/RBA/statement-on-monetary-policy-2016-05.pdf FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/FinCounselling/stop_hiding_the_free_option.htm FHUS|CreditCards/DefinedTerms/a_guide_to_store_cards.htm FHUS|CreditCards/RBA/201106-strategic-review-innovation-results.pdf FHUS|CreditCards/RBA/201106-strategic-review-innovation-results.pdf FHUS|CreditCards/SMH/strip_rba_board_of_ratesetting_power.htm FHUS|CreditCards/Federal_Reserve/About_Federal_Reserve_System.htm FHUS|CreditCards/GriffithUni/study_on_interest_rate_restricti.htm FHUS|CreditCards/Govt/submission_by_the_office_of_regulation_review.htm FHUS|CreditCards/ConsumerCredit/submission_in_relation_to_ASIC.htm FHUS|CreditCards/PeterMair/submission_to_council_of_financial_regulators.htm FHUS|CreditCards/AustConsumerLaw/RIS_2008/Consumer_credit_legal_centre_(NSW).htm FHUS|CreditCards/TyroPayments/SubmissionToReviewOfInnovation.htm FHUS|CreditCards/FinCounselling/IMPROVE_CONSUMER_OUTCOMES_ENHANCE_COMP.htm FHUS|CreditCards/Treasury/Submission_to_Treasury_Payments.htm NHHS|http://www.benchmarkanalytics.com.au NHUS|mailto:PaymentsReview@treasury.gov.au FHUS|CreditCards/RBA/Submission_20.htm FHUS|CreditCards/Treasury/Treasury-submission-to-Senate-Inquiry-on-Credit-card-interest-rates_11-aug-15.doc FHUS|CreditCards/RBA/SubmissionToFinancialSystemInquiry-March_2014\\ .htm FHUS|CreditCards/News,com,au/sunrise_host_david_koch_says.htm FHUS|CreditCards/News,com,au/sunrise_host_david_koch_says.htm FHUS|CreditCards/Magellan/super_low_interest_rates_come_with_side_effects.htm FHUS|CreditCards/RBA/fin-sys-inquiry-supp.pdf FHUS|CreditCards/RBA/financial-system-inquiry-2014-08.pdf FHUS|CreditCards/DefinedTerms/Supporting_Documented_Evidence.htm FHUS|CreditCards/DefinedTerms/Surcharge_Fee.htm FHUS|CreditCards/TheConversation/Surcharging_may_become_the_norm-Surcharging.htm FHUS|CreditCards/TheConversation/Surcharging_may_become_the_norm-Surcharging.htm FHUS|CreditCards/ProductivityCommission/Survey_of_Aspects_of_Literacy-1996.htm FHUS|CreditCards/RBA/Part_IIIA_The_Payments_System_Board.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm NHHS|http://law.ato.gov.au/atolaw/view.htm NHSS|https://www.rba.gov.au/publications/bulletin/1992/dec/technical-note.html FHUS|CreditCards/RBA/8.6_RBA_Oversight_of_High-value_Payment_Systems.htm FHUS|CreditCards/RBA/gizycki-lowe.pdf FHUS|CreditCards/RBA/PeterMair/PC\\ STATE\\ OF\\ PLAY\\ 999.rtf FHUS|CreditCards/RBA/PeterMair/PC\\ RBA\\ DISCUSSION\\ PAPER\\ EASTER\\ 1999.rtf FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm NHSS|https://www.rba.gov.au/payments-and-infrastructure/review-of-card-payments-regulation/banks-card-system.html FHUS|CreditCards/TheDrum/The_brutal_truth_of_australias_monetary_policy.htm NHSS|https://iview.abc.net.au/show/drum NHSS|https://www.abc.net.au/news/david-taylor/6529840 FHUS|CreditCards/unherd/cancer_at_the_heart_of_australian_banking.htm NHSS|https://unherd.com/author/daniel-ziffer/ FHUS|CreditCards/SMH/Shane_Wright/The_Central_Bank_under_fire.htm NHSS|https://www.smh.com.au/by/shane-wright-h170pw FHUS|CreditCards/RBA/rdp2014-05.pdf FHUS|CreditCards/RBA/PDF/rba-conference-2022-brassil.docx FHUS|CreditCards/NewsDaily/The_government_is_gambling_with_addicts_lives.htm FHUS|CreditCards/UK/Step-Change/stepchange-affordable-credit-discussion-paper-july2017.pdf DHUS|CreditCards/Melb_Institute DHUS|CreditCards/Melb_Institute DHUS|CreditCards/Melb_Institute FHUS|CreditCards/Guardian/interestfree_credit_card_trap.htm FHUS|CreditCards/SlaterGordon/Merits_of_civil_action_for_breach_of_Fiduciary_Duty.htm NHSS|https://www.dpmc.gov.au/regulation/best-practice-regulation FHUS|CreditCards/APRA/The_Origins_of_APRA.htm NHHS|http://www.rba.gov.au/publications/bulletin/2012/mar/pdf/bu-0312-7.pdf NHHS|http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/Completed_inquiries/2010-13/postGFCbanking/report/b03 FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm NHSS|https://theconversation.com/the-rba-is-not-a-law-unto-itself-an-external-review-would-be-good-for-it-165816 FHUS|CreditCards/Crikey/The_real_story_behind_the_credit_card_debt_headlines1.htm FHUS|CreditCards/RBA/rdp8805.pdf FHUS|CreditCards/CentreForEconomicPolicyResearch/reversal_interest_rate.htm NHSS|https://cepr.org/about/people/rafael-repullo FHUS|CreditCards/USA/Role_of_Interchange_Fees_in_Two-sided_Market.htm NHHS|http://www.rba.gov.au/payments-and-infrastructure/role-of-payments-system-board/ FHUS|CreditCards/USA/brjf92pc.pdf FHUS|CreditCards/Choice/10_costliest_credit_cards_in_Aust.htm NHUS|file:///C:/Users/scrib/authors/andy-kollmorgen FHUS|CreditCards/UK/UK_Card_Assoc/uk_cards_association_credit.htm FHUS|CreditCards/RBA/Unpleasant_truth_about.htm NHHS|http://www.bankinfoline.com FHUS|CreditCards/BankInfo.com/Unpleasant_truth_about_Australian_banks.htm NHHS|http://bankinfoline.blogspot.com.au/2012/02/chapter-9-are-you-all-in-or-all-out.html FHUS|CreditCards/DefinedTerms/ThreeABC_TV\\ ProgramsSpreadOverSixWeeks.htm NHUS|CreditCards/DefinedTerms/ThreeFinancialRegulators.htm FHUS|CreditCards/DefinedTerms/AustraliaHasThreeFinancialRegulators.htm FHUS|CreditCards/DefinedTerms/Three-Party_Schemes.htm FHUS|CreditCards/DefinedTerms/Three_Purchase_Benefits_Enjoyed.htm FHUS|CreditCards/DefinedTerms/Three_RBA_Published_Papers.htm FHUS|CreditCards/UK/HM_Govt/Three_U.K._Expeditious_Regulator_Reports.htm FHUS|CreditCards/TheDrum/time_to_drug_test_the_financial_sector.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/SMH/Too_early_for_banks_to_pat_thems.htm 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