| 1 | Mr Andrew Oliver (PDF 81KB) |
| 2 | Mr Peter Mair (PDF 81KB)
Supplementary Submission(PDF 43KB) |
| 3 | Mr Terence Holmes (PDF 30KB) |
| 4 | Mr Suryan Chandrasegaran (PDF 70KB) |
| 5 | Mr Mervin Reed (PDF 360KB) |
| 6 | Dr Bob Such MP, Member for Fisher (PDF 55KB) |
| 7 | Mr Simeneh Makonnen (PDF 76KB) |
| 8 | Prof Kevin Davis (PDF 84KB) |
| 9 | Mr Selwyn Cornish, College of Business and Economics, Australian National University (PDF 110KB) |
| 10 | Mr Mal McCullough (PDF 36KB) |
| 11 | Mr Chris Webbe (PDF 4KB) |
| 12 | Mr Robert Gay (PDF 16KB) |
| 13 | Mr Rob Paton, Ismar Tuzovic (PDF 36KB) Attachment 1(PDF 491KB) |
| 14 | Mr Tom Valentine (PDF 38KB) |
| 15 | Mr Alan Mills (PDF 728KB) |
| 16 | Name Withheld (PDF 276KB) |
| 17 | Mr Peter Higgins (PDF 105KB) |
| 18 | Mr Richard Wright, Barbara Ann Wright (PDF 29KB) |
| 19 | Name Withheld (PDF 16KB) |
| 20 | Dr Brett Edgerton (PDF 6KB) |
| 21 | Dr Nicholas Gruen, Whitlam Institute, University of Western Sydney (PDF 51KB) Attachment 1(PDF 4355KB) |
| 22 | Mr Nicholas Palmer (PDF 135KB) |
| 23 | Mortgage and Finance Association of Australia (PDF 1012KB) |
| 24 | Real Estate Institute of Australia (REIA) (PDF 227KB) |
| 25 | Mr Geoffrey Hodgkinson (PDF 35KB) |
| 26 | FirstMac Group (PDF 87KB) |
| 27 | SLM Group Limited (PDF 218KB) |
| 28 | Prof Milind Sathye, University of Canberra (PDF 300KB) |
| 29 | Brotherhood of St Laurence (PDF 535KB) |
| 30 | ProSolution Private Clients (PDF 154KB) |
| 31 | Maurice Blackburn Pty Limited (PDF 134KB) |
| 32 | Prof Ross Buckley (PDF 226KB) |
| 33 | Mr Leigh Harkness (PDF 182KB) |
| 34 | Laminar Group (PDF 1111KB) |
| 35 | ING Direct (PDF 560KB)
Supplementary Submission(PDF 125KB) |
| 36 | Tyro Payments Limited (PDF 99KB)
Supplementary Submission(PDF 40KB) |
| 37 | Australian Chamber of Commerce and Industry (ACCI) (PDF 825KB) |
| 38 | Master Builders Australia Ltd (PDF 106KB) |
| 39 | Aussie (PDF 1167KB) |
| 40 | Australian Industry Group (AIG) (PDF 170KB) |
| 41 | Reserve Bank of Australia (RBA) (PDF 268KB) |
| 42 | Urban Taskforce Australia Ltd (PDF 100KB) |
| 43 | Chamber of Commerce and Industry Queensland (PDF 682KB) |
| 44 | Bank of Queensland Limited (PDF 139KB) |
| 45 | Suncorp Bank (PDF 194KB) |
| 46 | Australia Institute (PDF 242KB) Attachment 1(PDF 442KB) Attachment 2(PDF 214KB) |
| 47 | Office of Senator Bob Brown (PDF 57KB) |
| 48 | Mr Alan Stokes (PDF 22KB) |
| 49 | Australian Payments Clearing Association (APCA) (PDF 119KB) |
| 50 | Veda Advantage DL (PDF 4173KB) |
| 51 | Mr Richard Talbot (PDF 51KB) |
| 52 | Name Withheld (PDF 48KB) |
| 53 | Abacus - Australian Mutuals Limited (PDF 329KB)
Supplementary Submission(PDF 425KB) |
| 54 | National Association of Retail Grocers of Australia (NARGA) (PDF 369KB) |
| 55 | Financial Redress (PDF 110KB) |
| 56 | Prof Frank Zumbo (PDF 46KB) |
| 57 | Australian Prudential Regulation Authority (APRA) (PDF 6161KB) |
| 58 | Bendigo and Adelaide Bank (PDF 183KB) |
| 59 | Institute of Public Affairs (PDF 210KB) |
| 60 | Mallesons Stephen Jaques (PDF 238KB) |
| 61 | Think Tank Property Finance (PDF 742KB) |
| 62 | Virgin Money Australia (PDF 436KB) Attachment 1(PDF 926KB) |
| 63 | Associate Professor Steve Keen (PDF 917KB) |
| 64 | Mrs Amanda Watson (PDF 45KB) |
| 65 | Mr Andrew Selby Smith (PDF 69KB) |
| 66 | Australian Finance Conference (PDF 114KB) |
| 67 | Brent Fisse Lawyers (PDF 147KB) Attachment 1(PDF 193KB)
Supplementary Submission(PDF 163KB) |
| 68 | WA Small Enterprise Network (PDF 223KB) |
| 69 | Mr Greg Bloomfield (PDF 63KB) |
| 70 | CHOICE (PDF 137KB)
Supplementary Submission(PDF 2573KB) |
| 71 | ATM Industry Association (ATMIA) (PDF 44KB) |
| 72 | The Westpac Group (PDF 997KB) |
| 73 | Mr Andrew Thomas (PDF 174KB) |
| 74 | The Australian Securitisation Forum, Inc. (PDF 938KB) |
| 75 | Mr Andrew Macken (PDF 23KB) |
| 76 | Australian Bankers' Association Inc (PDF 1638KB) |
| 77 | ME Bank (Members Equity Bank Pty Ltd) (PDF 70KB) |
| 78 | Financial Ombudsman Service Limited (PDF 2637KB) |
| 79 | ATM Industry Reference Group (PDF 510KB) |
| 80 | Finance Sector Union of Australia (PDF 3215KB) |
| 81 | Confidential |
| 82 | CPA Australia (PDF 647KB) |
| 83 | Dr Steven Kates (PDF 101KB) |
| 84 | NSW Business Chamber (PDF 823KB) |
| 85 | Credit Union Australia (CUA) (PDF 1244KB) |
| 86 | Mrs Maria Rigoni (PDF 106KB)
Supplementary Submission(PDF 332KB)
Supplementary Submission(PDF 5112KB) |
| 87 | Consumer Action Law Centre (PDF 321KB) |
| 88 | Commonwealth Bank of Australia (PDF 349KB) |
| 89 | Australian Council of Trade Unions (PDF 148KB) |
| 90 | Council of Small Business of Australia (COSBOA) (PDF 105KB) Attachment 1(PDF 2202KB) |
| 91 | National Australia Bank (PDF 279KB) |
| 92 | Mr John McAuley (PDF 285KB) |
| 93 | Mr John Turner (PDF 41KB) |
| 94 | ANZ Banking Group Ltd (PDF 361KB)
Supplementary Submission(PDF 129KB) |
| 95 | Australian Financial Markets Association (PDF 127KB) |
| 96 | Business Council of Australia (PDF 84KB) |
| 97 | Mr Lindsay Johnston (PDF 521KB) |
| 98 | Confidential |
| 99 | Confidential |
| 100 | Confidential |
| 101 | Yellow Brick Road Wealth Management Pty Ltd (PDF 383KB) |
| 102 | The Treasury (PDF 474KB) |
| 103 | Professor John Quiggin, School of Economics and School of Political Science and International Studies, University of Queensland (PDF 95KB) Attachment 1(PDF 133KB) |
| 104 | Mr Leonard Clampett (PDF 757KB) |
| 105 | Mr Paul Myers (PDF 16KB) |
| 106 | Mr Michael Woodford (PDF 2179KB) |
| 107 | HSBC Bank Australia (PDF 72KB) |
| 108 | Commercial Asset Finance Brokers Association of Australia Limited (CAFBA) (PDF 40KB) |
| 109 | Mr Archer Field (PDF 49KB) Attachment 1(PDF 1086KB) Attachment 2(PDF 1988KB) Attachment 3(PDF 3606KB) |
| 110 | Australian Financial Integrity Network (AusFIN) (PDF 205KB) |
| 111 | Confidential |
| 112 | Banking and Finance Consumers Support Association Inc (PDF 818KB) |
| 113 | Heritage Building Society (PDF 634KB) |
| 114 | Dr Carolyn Currie (PDF 68KB) |
| 115 | Mortgage House of Australia Pty Ltd (PDF 41KB) |
| 116 | Citi Australia (PDF 27KB) |
| 117 | Mr John O'Brien (PDF 279KB) |
| 118 | Confidential |
| 119 | Mrs Kay Robinson (PDF 124KB) |
| 120 | Australia Post (PDF 1975KB) |
| 121 | Financial Services Council (PDF 3516KB) |
| 122 | Queensland Teachers' Credit Union Ltd (PDF 107KB) |
| 123 | PROVIC Group Inc (PDF 182KB) Attachment 1(PDF 633KB) |
| 124 | Mr George Ivanov (PDF 157KB) |
| 125 | Mr Michael O'Connor (PDF 26KB) |
| 126 | Mr David Allen (PDF 51KB) |
| 127 | Visa AP (Australia) Pty Ltd (PDF 1134KB) |
| 128 | Accounts4Life (PDF 569KB) |
| 129 | Name Withheld (PDF 413KB)
Supplementary Submission(PDF 48KB) |
| 130 | Exposing Unacceptable Financial Activities (EUFA NZ) (PDF 119KB) |
| 131 | Confidential |
| 132 | Mr Mark J. Cohen (PDF 1948KB) |
| 133 | Finance Brokers Association of Australia Limited (FBAA) (PDF 106KB) |
| 134 | Mr Ken Longshaw (PDF 183KB) Attachment 1(PDF 1690KB) |
| 135 | Mr Graham Keen (PDF 844KB) |
| 136 | Genworth Financial Mortgage Insurance Pty Ltd (PDF 400KB) Attachment 1(PDF 1861KB) |
| 137 | Insurance Council of Australia (PDF 103KB) |
| 1 | Received from the Reserve Bank of Australia on 20 December 2010, answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 43KB) |
| 2 | Received from the ANZ Bank on 31 December 2010, answers to Questions on Notice taken at a public hearing in Canberra on 15 December 2010.(PDF 128KB) |
| 3 | Received from the Treasury on 11 January 2011, answers to Questions on Notice taken at a public hearing in Canberra on 15 December 2010.(PDF 47KB) |
| 4 | Received from Professor Milind Sathye on 14 January 201, answers to Questions on Notice taken at a public hearing in Canberra on 15 December 2010.(PDF 343KB) |
| 5 | Received from CHOICE on 17 January 2011, answers to Questions on Notice taken at a public hearing in Sydney on 14 December 2010.(PDF 83KB) |
| 6 | Received from the Reserve Bank of Australia on 18 January 2011, answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 83KB) |
| 7 | Received from Mr Mike Hirst, Managing Director, Bendigo and Adelaide Bank, on 20 January 2011, answers to senators' questions following the public hearing in Canberra on 15 December 2010.(PDF 3185KB) |
| 8 | Received from the Commonwealth Bank of Australia on 28 January 2011, answers to supplementary questions from the public hearing in Sydney on 15 December 2010.(PDF 125KB) |
| 10 | Received from APRA on 31 January 2011, answers to Questions on Notice taken at a public hearing in Sydney on 14 December 2010.(PDF 2289KB) |
| 11 | Received from the ANZ Bank on 31 January 2011, answers to written Questions on Notice from the Committee.(PDF 1033KB) |
| 12 | Received from the National Australia Bank on 27 January and 1 February 2011, answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 274KB) |
| 13 | Received from WA Small Enterprise Network on 1 February 2011, answers to Questions on Notice taken at a public hearing in Sydney on 21 January 2011.(PDF 14KB) |
| 14 | Received from the Department of the Treasury on 4 February 2011, answers to written questions and answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 122KB) |
| 15 | Received from the Australian Bankers' Association Inc on 8 February 2011, answers to Questions on Notice taken at a public hearing in Sydney on 14 December 2010.(PDF 40KB) |
| 16 | Received from Westpac on 7 March 2011, answers to Questions on Notice taken at a public hearing in Sydney on 21 January 2011(PDF 327KB) |
| 17 | Received from the Treasury on 23 March 2011, answers to Questions on Notice taken at a public hearing in Sydney on 9 March 2011.(PDF 23KB) |
| 18 | Received from the Reserve Bank of Australia on 18 March 2011, answers to Questions on Notice taken at a public hearing in Brisbane on 4 March 2011.(PDF 174KB) |