Appendix A – Submissions

No.                   Provided by

1.                     The Westpac Group

2.                     Real Estate Institute of Australia (REIA)

3.                     The National Australia Bank

4.                     Abacus Australian Mutuals

4.1.                  Abacus Australian Mutuals (supplementary submission)

5.                     ANZ

6.                     Finance Sector Union of Australia

7.                     Australian Finance Conference

8.                     GE Capital

9.                     Australian Bankers’ Association Inc.

9.1.                  Australian Bankers’ Association Inc. (supplementary submission)

10.                   Wesley Mission

11.                   VISA

12.                   Consumer Law Action Centre

13.                   Department of the Treasury (questions on notice)