Appendix 1

Submissions and additional information received

Submissions received

1 Mr James Fairley

2 Name Withheld

3 Mr Anthony Burk

4 Name Withheld

5 Ms Katy Kircher

6 Bank Reform Now

7 Australian Timeshare & Holiday Ownership Council

8 Mr Peter Mazzucato

9 Name Withheld

10 Confidential

11 Name Withheld

a) Supplementary to submission 11

12 Ms Lynne Kreutzer

13 Ms Susan Field

14 Financial Ombudsman Service

15 Financial Services Council

16 Name Withheld

17 Mr Wayne Ditchburn

18 Mr Silvio Crisafi

19 Name Withheld

20 Mr and Mrs Ray and Christine Blackman

21 Credit Ombudsman Service

22 Stockbrokers Association of Australia

23 Mr Ashley Pattinson

24 Ms Ann Marie Delamere

25 Name Withheld

26 Mr Kerry Budworth

27 Mr David Morgan

28 Ms Sheerie Wales

29 Ms Sandra Phillips

30 Mr Ray Catford

31 Confidential

32 Confidential

33 AMP Limited

34 Name Withheld

35 Name Withheld

36 Mr Lee Woldt

37 Ms Fiona Ireland

38 Mr Kevin Low

39 Mr Shane Pearce

40 Macquarie Group Limited

a) Attachment 1

41 Association of Financial Advisers

42 Australian Institute of Superannuation Trustees

43 CPA Australia

44 Financial Planning Association of Australia Limited

a) Attachment 1

45 Mr Errol Opie

46 Mr Robert Hicks

47 Name Withheld

48 Mr David Abraham

49 Ms Rose Mathews

50 Mr Noel McNally

51 Ms Linda Klein

52 Name Withheld

53 Ms Liz Thorby

54 Ms Andigone Aguilar

55 Westpac Group

56 Confidential

57 Dr Barry Landa

a) Supplementary to submission 57

58 Name Withheld

59 Mr Domenic Olimpio

60 Ms Allison Pitt

61 Mr Adrian Allen

62 Ms Denise Allen

63 Mr Philip Brown

64 Mr Peter Bates

65 Mr Ken Winton

66 Mr Peter Maxwell

67 Name Withheld

68 Name Withheld

69 Name Withheld

70 Name Withheld

71 Name Withheld

72 Name Withheld

73 Name Withheld

74 Name Withheld

75 Australian Bankers' Association

76 Ms Alana Smith

77 Confidential

78 Commonwealth Bank of Australia

79 JMA Action Group

80 Ms Maha Nasser

81 CHOICE

82 Mr Andrew Davey

83 Ms Patricia White

84 Mr Wayne Styles

85 Menico Tuck Parrish Financial Services Pty Ltd

86 Centrepoint Alliance Limited

87 Maurice Blackburn Lawyers

88 Australian Securities and Investments Commission

89 Industry Super Australia

90 ANZ

91 Ms Claire Priestley

92 Ms Danielle McDonald and Mr Dennis O’Brien

93 Confidential

94 Mr Peter Spelta

95 Mr and Mrs Peter and Anne Harwood

96 Mr and Mrs Gilbert and Sylvia de Michiel

97 Mr Paul Topping

98 Mr Gregory Wignall

99 Ms Jean Lawson

100 Mr Michael Downer

101 Mr and Mrs Paul and Lynette Flory

102 Mr Robbie Stimpson

103 Ms Michelle Matheson

a) Response from RHG Mortgages received 27 February 2015

104 Ms Caroline Baker

105 Mr and Mrs David and Janet Chapman

a) Response from RHG Mortgages received 27 February 2015

106 Mr Gary White

107 Mr Wim Bannink

a) Response from Suncorp Bank received 27 February 2015

108 Mr Paul Earley

109 Mr Greig Allan

a) Response from Bendigo and Adelaide Bank received 27 February 2015

110 Mr Len McKelvey

a) Response from Bendigo and Adelaide Bank received 27 February 2015

111 Ms Lyn Hume

112 Name Withheld

a) Supplementary to submission 112

113 Banking & Finance Consumers Support Association

114 Mrs Merilyn Swan

a) Supplementary to submission 114

115 Name Withheld

116 Ms Gloria Bondfield

117 Mr Frazer McLennan

118 Mr Quylas Meyer

119 Mr David Bentley

120 Mr and Mrs David and Tina Chapman

121 Mr Richard Talbot

a) Supplementary to submission 121

122 Confidential

123 Confidential

124 Confidential

125 Consumer Action Law Centre and 6 consumer protection and advocacy groups

a) Attachment 1

b) Attachment 2

126 Credit and Investments Ombudsman Limited

127 Confidential

128 HNAB Action Group

129 Mr Michael Uebergang

130 Mr Matthew Walker

131 Mr Nicholas Smith

132 Mr John Elliott

133 Confidential

134 Dispute Assist

a) Supplementary to submission 134

b) Response to adverse comment in submission 134 from the Financial Ombudsman Service

c) Response to adverse comment in supplementary submission 134.1 from the Financial Ombudsman Service

135 Confidential

136 Mr Jeffrey Morris

137 Ms Jane Comollatti

a) Response to adverse comment from State Super Financial Services

138 Mr Rob Simpson

139 Confidential

140 Name Withheld

a) Supplementary to submission 140

141 Mr Domenic Olimpio

a) Supplementary to submission 141

142 Confidential

143 Industry Super Australia

144 Property Investment Professionals of Australia

a) Supplementary to submission 144

145 Mr Adam Zuchowski

a) Attachment 1

b) Attachment 2

146 Mr Jamie McIntyre

a) Attachment 1

b) Attachment 2

c) Attachment 3

d) Attachment 4

147 Slater and Gordon Lawyers

a) Attachment 1

b) Attachment 2

148 Ms Grazyna Monka

149 Name Withheld

150 Mr & Mrs Jim and Alison Guy

151 Mr Phillip Harris

a) Response from CBA to submission 151

152 HSBC

153 Macquarie Group Limited

154 Mr Damien Beslic

155 Mr Rod Mclaughlin

156 Name Withheld

157 Confidential

158 Mr Nathan Martin

159 Mr Greg Cadwallader

160 Commonwealth Bank

161 Financial Rights Legal Centre, CHOICE and Consumer Action Law Centre

a) Attachment 1

162 Dr Benjamin Koh

163 Breast Cancer Network Australia

164 Injury Managment IQ

165 Australian Psychological Society

166 Australian Lawyers Alliance

167 MLC (NAB Group)

168 Mental health Australia

169 ClearView Wealth Limited

170 National Mental Health Commission

171 beyondblue

172 MetLife

173 PricewaterhouseCoopers

174 Association of Financial Advisers (AFA)

175 Financial Planning Association

176 Macquarie Group Limited

177 Australian Institute of Superannuation Trustees

178 Association of Independently Owned Financial Professionals

179 Financial Services Council

180 Public Interest Advocacy Centre Ltd

181 Financial Ombudsman Service Australia

182 Australian Securities and Investments Commission

a) Attachment 1

b) Attachment 2

c) Attachment 3

183 The Royal Australian and New Zealand College of Psychiatrists

184 Australian Prudential Regulation Authority

185 Industry Super Australia

186 Unions NSW

a) Attachment 1

b) Attachment 2

187 Mr Keith Barnes

188 Confidential

189 Confidential

190 Mr John Ward

191 Name Withheld

192 Confidential

193 Name Withheld

194 Mr Paul Burn

a) Attachment 17

195 Confidential

196 Confidential

197 Name Withheld

198 Confidential

199 Confidential

200 Mr Mark Venter

201 Mr Neil Watson

202 Mr Terry Campbell

a) Attachment 1

203 Mr Peter Kinross

204 Mr Ian Satill

205 Mr Chris Earle

206 Confidential

207 Name Withheld

208 Ms Katherine Hayes

209 Confidential

210 Confidential

211 Mr Grant Liddell

212 Mr Jeremy Wright

a) Attachment 1

213 Confidential

214 Name Withheld

215 Name Withheld

216 Name Withheld

217 Ms Rosemary Kerr

218 Name Withheld

219 Name Withheld

220 Mr Damian Eales

221 Confidential

222 Mr Laird Murchie

223 Mr Max Clay

a) Attachment 1

224 Mr Matthew Collins

225 Mr Bradley Wall

226 Name Withheld

227 Name Withheld

228 Mr Kris Martin

229 Mr Michael Scorer

230 Mr Gregory Hayter

231 Confidential

232 Name Withheld

233 Mr Judd O'Shea

234 Mr Roger Smith

235 Ms Susie Erratt

236 Name Withheld

237 Name Withheld

238 Mr Ben Day

239 Name Withheld

240 Mr Ben Trim

241 Confidential

242 Ms Melinda Houghton

243 Confidential

244 Mr Jerome de Kretser

245 Name Withheld

246 Mr Michael Ord

247 Mr Michael Baragwanath

248 Mr Bryan Moss

a) Attachment 1

249 Life Insurance Customer Group

a) Attachment 1

b) Attachment 2

c) Attachment 3

d) Attachment 4

250 Name Withheld

251 Mr Michael Ramadan

252 Mr Graham McDonald

253 Name Withheld

254 Name Withheld

255 Confidential

256 Name Withheld

Answers to Questions on Notice

1 Answers to questions on notice from a public hearing held in Canberra on 21 April 2015, received from ANZ on 8 May 2015.

2 Answers to questions on notice from a public hearing held in Canberra on 21 April 2015, received from Macquarie Group on 8 May 2015.

3 Answers to questions on notice from a public hearing held in Canberra on 21 April 2015, received from the Commonwealth Bank on 8 May 2015.

4 Answers to questions on notice from a public hearing held in Sydney on 3 August 2015, received from IOOF on 3 September 2015.

5 Answers to questions on notice from a public hearing held in Canberra on 10 August 2015, received from Westpac on 7 September 2015.

6 Answers to questions on notice from a public hearing held in Melbourne on 28 October 2015 received from ASIC on 15 November 2015.

7 Answers to question on notice received from ASIC on 30 November 2015.

8 Answers to questions on notice received from Slater and Gordon on 2 December 2015.

9 Answers to questions on notice received from Peedle Thorp on 25 January 2016.

10 Answers to questions on notice received from ACCC on 21 January 2016.

Tabled documents

1 Document tabled by Ms Naomi Halpern at a public hearing held in Canberra on 21 April 2015.

Additional Information

1 Second Promontory Report into the Open Advice Review (OAR) Program, received from the Commonwealth Bank of Australia on 29 May 2015.

2 Response by Mr Andrew Wily to allegations contained in a document tabled by Ms Naomi Haplern at a public hearing held in Canberra on 21 April 2015, received 9 June 2015.

3 PricewaterhouseCoopers report prepared for IOOF Holdings Limited, ‘Forensic Assistance – Bridges matter’ (May 2015).

4 Fourth Promontory Report into the Open Advice Review Program, received from the Commonwealth Bank of Australia on 2 February 2016.

Correspondence

1 Correspondence received from Commonwealth Bank of Australia on 2 November 2015.

2 Correspondence received from Slater and Gordon on 15 December 2015.

3 Correspondence received from SMEC on 26 November 2015.

4 Correspondence received from Commonwealth Bank of Australia on 5 May 2016.

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