Chapter 1 - Introduction

[1]        Votes and Proceedings No. 11, 13 October 2016, p. 210.         

[2]        Journals of the Senate No. 11, 13 October 2016, pp. 325–326.

[3]        Department of Education and Training, VET FEE HELP Reform, 1 July 2016, https://docs.education.gov.au/system/files/doc/other/160901_vet_fee-help_reform_factsheet.pdf.

[4]        VET Student Loans Bill 2016, Explanatory Memorandum, p. 1.

[5]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 10, http://parlinfo.aph.gov.au/parlInfo/download/chamber/hansardr/f2541705-5a09-4607-bf3f-1d6fd9b611ff/toc_pdf/House%20of%20Representatives_2016_10_13_4470.pdf (accessed 19 October 2016).

[6]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 10.

[7]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 10,

[8]        VET Student Loans Bill 2016, Explanatory Memorandum, p. 6.

[9]        VET Student Loans Bill 2016, Explanatory Memorandum, p. 6.

[10]      VET Student Loans Bill 2016, Explanatory Memorandum, p. 1.

[11]      VET Student Loans Bill 2016, Explanatory Memorandum, pp. 1–2.

[12]      VET Student Loans (Consequential Amendments and Transitional Provisions) Bill 2016 Explanatory Memorandum, p. 6.

[13]      VET Student Loans (Charges) Bill 2016 Explanatory Memorandum, p. 3 and p. 5.

[14]      VET Student Loans Bill 2016, Explanatory Memorandum, p. 9; VET Student Loans (Consequential Amendments and Transitional Provisions) Bill 2016 , Explanatory Memorandum, p. 6; and VET Student Loans (Charges) Bill 2016 Explanatory Memorandum,
p. 3.

[15]      VET Student Loans Bill 2016, Explanatory Memorandum, p. 6.

[16]      VET Student Loans Bill 2016, Explanatory Memorandum, pp. 6–7.

[17]      VET Student Loans Bill 2016, Explanatory Memorandum, pp. 6–7.

Chapter 2 - Background

[1]        The VET Student Loans Bills package comprises three bills: VET Student Loans Bill 2016; the VET Student Loans (Consequential Amendment and Transitional Provisions) Bill 2016; and the VET Student Loans (Charges) Bill 2016.

[2]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 10.

[3]        Dr Subho Banerjee, Deputy Secretary, Skills and Training, Department of Education and Training, Committee Hansard, 25 October 2016, pp. 62–63.

[4]        This figure is the total VET FEE-HELP debt for both the VET and Higher Education sectors. The Department of Education and Training was unable to provide the exact value of the VET FEE‑HELP loans incurred by the VET sector alone because overall HELP debt is recorded as an aggregate HELP debt and is not disaggregated into the individual parts. See Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 111.

[5]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 10.

[6]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 10.

[7]        Australian Education Union, Submission 14, Attachment A, p. 2

[8]        Australian Education Union, Submission 14, Attachment A, p. 3.

[9]        Australian Government, Redesigning VET FEE-HELP: Discussion Paper, April 2016, p. 5

https://docs.education.gov.au/system/files/doc/other/redesigning_vet_fee-help_-_discussion_paper_0_0.pdf (accessed 28 October 2016).

[10]      Mr Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 25 October 2016, p. 7.

[11]      Mr Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 25 October 2016, p. 10.

[12]      Ms Jeannie Rea, National President, National Tertiary Education Union, Committee Hansard, 25 October 2016, p. 40.

[13]      Ms Jeannie Rea, National President, National Tertiary Education Union, Committee Hansard, 25 October 2016, p. 40.

[14]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 23.

[15]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 23.

[16]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 26.

[17]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 24.

[18]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 24.

[19]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 26.

[20]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 26.

[21]      The Hon. Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 50.

[22]      The Hon. Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, pp. 50–51.

[23]      The Hon. Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 51.

[24]      The Hon. Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 55.

[25]      The Hon. Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, pp. 55–56.

[26]      Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 58.

[27]      Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 59.

[28]      Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 59.

[29]      Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 59.

[30]      Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 114.

[31]      Victorian TAFE Association, Submission 46, pp. 3–4.

[32]      Ms Jeannie Rea, National President, National Tertiary Education Union, Committee Hansard, 25 October 2016, p. 39.

[33]      Ms Jenny Lambert, Director, Employment Education and Training, Australian Chamber of Commerce and Industry, Committee Hansard, 25 October 2016, p. 44.

[34]      Ms Jenny Lambert, Director, Employment Education and Training, Australian Chamber of Commerce and Industry, Committee Hansard, 25 October 2016, p. 44.

[35]      VET Student Loans Bill 2016, Explanatory Memorandum, p. 1.

[36]      See for example Sydney Film School, p. 2; Jillian Pryor, pp. 1–2; ACTU, Submission 6, p. 1; Australian Education Union, p. 1; Academy of Interactive Entertainment, p. 1; National Tertiary Education Union, Submission 2, p. 2 and Navitas, Submission 35, p. 1.

[37]      ACTU, Submission 6, p. 1.

[38]      The Hon. Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 50.

[39]      The Hon. Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 50.

[40]      Master Builders of Australia, Submission 42, p. 2.

[41]      Master Builders of Australia, Submission 42, p. 2.

[42]      TAFE Directors, Submission 26, p. 2.

[43]      Sydney Film School, Submission 15, p. 2.

[44]      Mr Mel Koumides, Chair, Australian Council of Private Education and Training, Committee Hansard, 25 October 2016, p. 28.

[45]      Navitas, Submission 35, p. 1.

[46]      Ms Jillian Pryor, Chief Executive Officer, Unity College, Submission 41, pp. 1–2.

[47]      Consumer Law Action Centre, Submission 22, p. 2.

[48]      Consumer Law Action Centre, Submission 22, pp. 2–7. For example: a prohibition of commissions, bonuses or incentives that can be paid for the enrolment of students into a courses with a VET Student Loan; banning an approved course provider from marketing or promoting a course to a person whose details they have obtained for another purpose; a prohibition on representations that a VET Student Loan amounts to 'government funding' or 'tuition assistance' or analogous terms; and that the VET Ombudsman be established to comply with Treasury's Benchmarks for industry-based Customer Dispute Resolution.

Chapter 3 - Eligible courses and loan caps

[1]        Department of Education and Training, VET Student Loans – Eligible Courses, p. 1, https://docs.education.gov.au/system/files/doc/other/161010_eligible_course_list_fact_
sheet.pdf (accessed 23 October 2016).

[2]        Department of Education and Training, VET Student Loans – Eligible Courses, p. 2.

[3]        Department of Education and Training, VET Student Loans – Eligible Courses, p. 1.

[4]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 11.

[5]        Dr James Hart, Group Manager, Skills Programs Department of Education and Training, Committee Hansard, 25 October 2016, p. 60.

[6]        Dr James Hart, Group Manager, Skills Programs Department of Education and Training, Committee Hansard, 25 October 2016, p. 61.

[7]        Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 60.

[8]        The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 11; and Department of Education and Training, VET Student Loans – Eligible Courses, p. 1.

[9]        Department of Education and Training, VET Student Loans – Eligible Courses, p. 2.

[10]      Dr James Hart, Group Manager, Skills Programs Department of Education and Training, Committee Hansard, 25 October 2016, p. 107; p. 61.

[11]      Dr James Hart, Group Manager, Skills Programs Department of Education and Training, Committee Hansard, 25 October 2016, p. 61.

[12]      Australian Chamber of Commerce and Industry, Submission 25, Attachment A, p. 2.

[13]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 53.

[14]      Ai Group and Business Council of Australia, Submission 43, p. 9.

[15]      Ai Group and Business Council of Australia, Submission 43, p. 9.

[16]      Ai Group and Business Council of Australia, Submission 43, p. 11.

[17]      Ai Group and Business Council of Australia, Submission 43, p. 11.

[18]      Australian College for Private Education and Training, Submission 23, p. 4.

[19]      Australian Institute of Family Counselling, Submission 34, p. 4.

[20]      Harvest Bible College, Submission 10, p. 3, Wesleyan Methodist Church of Australia, Submission 19, p. 1; Kairos Christian College, Submission 13, p. 1.

[21]      NIDA, Submission 24, p. 4; Sydney Theatre School, Submission 12, p. 3; National Association for the Visual Arts, Submission 21, p. 1; and Photography Studies College (Melbourne), Submission 38, p. 1.

[22]      Australian Academy of Beauty and Spa Therapy, Submission 49, supplementary information,
p. 1.

[23]      Hearing Care Industry Association, Submission 47, p. 3.

[24]      Mater Education, Submission 29, p. 1.

[25]      Swinburne University of Technology, Submission 31, p. 2.

[26]      Navitas, Submission 35, p. 2.

[27]      Australian Major Performing Arts Group, Submission 40, p. 2. See also the submissions from NIDA, Sydney Theatre School, Sydney Film School, Canberra Academy of Dramatic Art, National Association for the Visual Arts, Academy of Interactive Entertainment; and Photography Studies College (Melbourne).

[28]      ArtsPeak, Submission 45, p. 1.

[29]      Australian Major Performing Arts Group, Submission 40, p. 2.

[30]      Sydney Theatre School, Submission 12, p. 3.

[31]      National Tertiary Education Union, Submission 2, p. 6. See for similar concerns Australian College for Private Education and Training, Submission 23, p. 3.

[32]      Ms Jeannie Rea, National President, National Tertiary Education Union, Committee Hansard, 25 October 2016, p. 37.

[33]      ACPET, Submission 23, p. 5.

[34]      Sydney Theatre School, Submission 12, p. 9.

[35]      Ms Jenny Lambert, Director, Employment Education and Training, Australian Chamber of Commerce and Industry, Committee Hansard, 25 October 2016, pp. 46–47.

[36]      Master Builders of Australia, Submission 42, p. 2.

[37]      Department of Education and Training, VET Student Loans – Eligible Courses, p. 1, https://docs.education.gov.au/system/files/doc/other/161010_eligible_course_list_fact_
sheet.pdf (accessed 23 October 2016).

[38]      The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 12.

[39]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 53.

[40]      Ms Jenny Lambert, Director, Employment Education and Training, Australian Chamber of Commerce and Industry, Committee Hansard, 25 October 2016, p. 46.

[41]      The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 11.

[42]      Dr James Hart, Group Manager, Skills Programs Department of Education and Training, Committee Hansard, 25 October 2016, p. 60.

[43]      The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 11.

[44]      Department of Education and Training, VET Student Loans – Eligible Courses, p. 2.

[45]      Department of Education and Training, VET Student Loans – Eligible Courses, p. 2.

[46]      Department of Education and Training, VET Student Loans – Eligible Courses, p. 2.

[47]      Department of Education and Training, VET Student Loans – Eligible Courses, p. 2.

[48]      Department of Education and Training, VET Student Loans – Eligible Courses, p. 2.

[49]      Australian College for Private Education and Training, Submission 23, p. 7.

[50]      Australian Chamber of Commerce and Industry, Submission 25, Attachment A, p. 3.

[51]      Sage Institute of Education, Submission 50, pp. 6–7.

[52]      Sydney Film School, Submission 15, p. 2.

[53]      Sydney Theatre School, Submission 12, p. 7.

[54]      Ella Bache, Submission 7, pp. 2–3.

[55]      Restaurants and Catering Australia, Submission 37, pp. 2–3.

[56]      Navitas, Submission 35, pp. 2–3.

[57]      Victorian TAFE Association, Submission 46, p. 4.

[58]      Academy of Interactive Entertainment, Submission 16, pp. 2–3. Similar concerns were raised by Australian College for Private Education and Training, Submission 23, p. 7; Sydney Theatre School, Submission 12, p. 5; and Australian Major Performing Arts Group, Submission 40,
pp. 4–5.

[59]      NIDA, Submission 24, p. 6.

[60]      Australian Major Performing Arts Group, Submission 40, p. 4.

[61]      Australian Major Performing Arts Group, Submission 40, pp. 4–5.

[62]      Victorian TAFE Association, Submission 46, pp. 3–4.

[63]      ACTU, Submission 6, p. 2.

[64]      Australian Catholic University, Submission 9, p. 5. Mater Education raised similar concerns about the loan cap applied to its nursing diploma. See Mater Education, Submission 29, p. 1 and p. 5.

[65]      Restaurant and Catering Australia, Submission 37, p. 2.

[66]      Restaurant and Catering Australia, Submission 37, p. 3.

[67]      William Angliss Institute, Submission 44, p. 4.

[68]      Australian Chamber of Commerce and Industry, Submission 25, p. 3.

[69]      Australian Chamber of Commerce and Industry, Submission 25, Attachment A, p. 4.

[70]      Photography Studies College (Melbourne), Submission 38, p. 2.

[71]      Australian College for Private Education and Training, Submission 23, p. 8.

[72]      Sage Institute of Education, Submission 50, p. 6.

[73]      Academy of Interactive Entertainment, Submission 16, p. 1.

[74]      Canberra Academy of Dramatic Arts, Submission 4, pp. 4–5.

[75]      National Tertiary Education Union, Submission 2, p. 2.

[76]      National Tertiary Education Union, Submission 2, p. 3.

[77]      TAFE Directors, Submission 26, pp. 3 and 5.

[78]      Ms Jillian Pryor, Chief Executive Officer, Unity College,  Submission 41, p. 2.

[79]      Ai Group and Business Council of Australia, Submission 43, pp. 10–11.

[80]      Ms Jeannie Rea, National President, National Tertiary Education Union, Committee Hansard, 25 October 2016, p. 38.

[81]      Ai Group and Business Council of Australia, Submission 43, p. 16.

[82]      Innovative Research Universities, Submission 36, p. 1.

Chapter 4 - Further issues

[1]        VET Student Loans Bill 2016, Explanatory Memorandum, pp. 3–4.

[2]        VET Student Loans (Consequential Amendments and Transitional Provisions) Bill 2016, Schedule 2.

[3]        Queensland Department of Education and Training, Submission 33, pp. 1–2.

[4]        Queensland Department of Education and Training, Submission 33, p. 2.

[5]        VET Student Loans Bill 2016, Explanatory Memorandum, p. 31. See Clause 25.

[6]        Photography Studies College (Melbourne), Submission 38; Churchill Education, Submission 18; Estrada College Submission 36; and Harvest Education Technical College, Submission 48, p. 1.

[7]        Churchill Education, Submission 18, p. 1.

[8]        Photography Studies College (Melbourne), Submission 38, p. 3.

[9]        Photography Studies College (Melbourne), Submission 38, p. 3.

[10]      Estrada College, Submission 36, p. 1. The same observation was made by Harvest Education Technical College, Submission 48, p. 3.

[11]      Australian College for Private Education and Training, Submission 23, p. 8.

[12]      Harvest Education Technical College, Submission 48, p. 1.

[13]      Harvest Education Technical College, Submission 48, p. 3.

[14]      Churchill Education, Submission 18, p. 2.

[15]      The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 19 October 2016, p. 91.

[16]      VET Student Loans (Charges) Bill 2016, Explanatory Memorandum, p. 3 and p. 5.

[17]      VET Student Loans (Charges) Bill 2016, Explanatory Memorandum, p. 5.

[18]      VET Student Loans (Charges) Bill 2016, Explanatory Memorandum, p. 1.

[19]      Mr Mark Warburton, former public servant and former Principal Analyst for Universities Australia, Submission 32, p. 3.

[20]      Australian College for Private Education and Training, Submission 23, p. 9.

[21]      Navitas, Submission 35, p. 4.

[22]      Mr Mark Warburton, former public servant and former Principal Analyst for Universities Australia, Submission 32, p. 3.

[23]      Mr Mark Warburton, former public servant and former Principal Analyst for Universities Australia, Submission 32, p. 3.

[24]      VET Student Loans Bill 2016, Explanatory Memorandum, p. 25.

[25]      VET Student Loans Bill 2016, Explanatory Memorandum, p. 25.

[26]      Study Group, Submission 51, pp. 11–12.

[27]      Study Group, Submission 51, p. 11.

[28]      Study Group, Submission 51, pp. 11–12.

[29]      Swinburne University of Technology, Submission 31, p. 3.

[30]      Swinburne University of Technology, Submission 31, pp. 3–4.

[31]      Churchill Education, Submission 18, p. 4.

[32]      Churchill Education, Submission 18, p. 4.

[33]      VET Student Loans Bill 2016, Explanatory Memorandum, p. 41. See Clause 49.

[34]      Consumer Law Action Centre, Submission 22, p. 2.

[35]      Mr Mel Koumides, Chair, Australian Council of Private Education and Training, Committee Hansard, 25 October 2016, p. 28.

[36]      Ms Jeannie Rea, National President, National Tertiary Education Union, Committee Hansard, 25 October 2016, pp. 41–42.

[37]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, pp. 25–26.

[38]      Consumer Law Action Centre, Submission 22, p. 2.

[39]      VET Student Loans Bill 2016, Explanatory Memorandum, pp. 48–49. See Division 5, clauses 60–64.

[40]      Consumer Law Action Centre, Submission 22, p. 3.

[41]      Churchill Education, Submission 18, p. 4.

[42]      Ms Mary Ancich, private citizen, Submission 3, p. 2.

[43]      Study Group, Submission 51, pp. 10–11.

[44]      VET Student Loans (Consequential Amendments and Transitional Provisions) Bill 2016, Explanatory Memorandum, pp. 6–7.

[45]      Australian Chamber of Commerce and Industry, Submission 25, p. 3.

[46]      Master Builders of Australia, Submission 42, p. 2; Ai Group and Business Council of Australia, Submission 43, p. 2.

[47]      Australian College for Private Education and Training, Submission 23, pp. 8–9. Similar concerns were also raised by Navitas, Submission 35, pp. 4–5 and the Academy of Interactive Entertainment, Submission 16, p. 3.

Under the Higher Education Support Act 2003, subdivision 16-B, Table A providers include: Central Queensland University; Charles Darwin University; Charles Sturt University; Curtin University of Technology; Deakin University; Edith Cowan University; Federation University Australia; Griffith University; James Cook University; La Trobe University; Macquarie University; Monash University; Murdoch University; Queensland University of Technology; Royal Melbourne Institute of Technology; Southern Cross University; Swinburne University of Technology; The Australian National University; The Flinders University of South Australia; The University of Adelaide; The University of Melbourne; The University of Queensland; The University of Sydney; The University of Western Australia; University of Canberra; University of Newcastle; University of New England; University of New South Wales; University of South Australia; University of Southern Queensland; University of Tasmania; University of Technology, Sydney; University of the Sunshine Coast; University of Western Sydney; University of Wollongong; Victoria University; Australian Catholic University; and Batchelor Institute of Indigenous Tertiary Education.

Table B providers include: Bond University; The University of Notre Dame Australia; MCD University of Divinity and Torrens University Australia.

[48]      ACPET, Submission 23, p. 9.

[49]      Sydney Film School, Submission 15, pp. 4–5.

[50]      Academy of Interactive Entertainment, Submission 16, p. 3. Similar concerns were raised by Navitas, Submission 35, p. 5; Churchill Education, Submission 18, p. 3; and Jillian Pryor, Submission 41, p. 5.

[51]      Kairos Christian College, Submission 13, p. 1.

[52]      TAFE Directors, Submission 26, p. 7.

[53]      TAFE Directors, Submission 26, p. 7.

[54]      ArtsPeak, Submission 45, p. 1.

[55]      Ai Group and Business Council of Australia, Submission 43, p. 6.

[56]      See for example Jillian Pryor, Submission 41, p. 5. Navitas, Submission 35, p. 5; and Churchill Education, Submission 18, p. 3.

[57]      Consumer Action Law Centre, Submission 22, pp. 3–4.

[58]      Dr James Hart, Group Manager, Skills Programs Department of Education and Training, Committee Hansard, 25 October 2016, p. 64.

[59]      Dr Subho Banerjee, Deputy Secretary, Department of Education and Training, Committee Hansard, 25 October 2016, p. 114; Dr James Hart, Group Manager, Skills Programs Department of Education and Training, Committee Hansard, 25 October 2016, p. 64.

[60]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 51.

[61]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 52.

[62]      Mr Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 25 October 2016, p. 6.

[63]      Consumer Action Law Centre, Submission 22, pp. 3–5.

[64]      Ms Jeannie Rea, National President, National Tertiary Education Union, Committee Hansard, 25 October 2016, p. 40.

[65]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 52.

[66]      Australian Chamber of Commerce and Industry, Submission 25, p. 3.

[67]      Ms Jenny Lambert, Director, Employment Education and Training, Australian Chamber of Commerce and Industry, Committee Hansard, 25 October 2016, p. 44.

[68]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 56.

[69]      VET Student Loans Bill 2016, cl. 52.

[70]      VET Student Loans Bill 2016, cl. 52(2).

[71]      VET Student Loans Bill 2016, cl. 45.

[72]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, pp. 52–53.

[73]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 50.

[74]      The Hon. Karen Andrews MP, Assistant Minister for Vocational Education and Skills, Second reading speech, House of Representatives Hansard, 13 October 2016, p. 12.

[75]      Mr Michael Lavarch, Commissioner, Risk, Intelligence and Regulatory Support, Australian Skills Quality Authority, Committee Hansard, 25 October 2016, p. 53.

[76]      Mr Scott Gregson, Executive General Manager, Consumer Enforcement Division, Australian Consumer and Competition Commission, Committee Hansard, 25 October 2016, p. 25.

[77]      Consumer Action Law Centre, Submission 22, p. 6.

[78]      Consumer Action Law Centre, Submission 22, p. 6.

[79]      Mr Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 25 October 2016, p. 9.

[80]      Mr Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 25 October 2016, pp. 9–10.

[81]      Mr Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 25 October 2016, p. 10; Consumer Action Law Centre, Submission 22, p. 6.

[82]      TAFE Directors, Submission 26, p. 6.

[83]      Australian College for Private Education and Training, ' ACPET welcomes Ombudsman', Media release, 13 October 2016.

[84]      Academy of Interactive Entertainment, Submission 16, p. 4.

[85]      Academy of Interactive Entertainment, Submission 16, p. 4.

[86]      Dr Terri MacDonald, National Policy and Research Officer, National Tertiary Education Union, Committee Hansard, 25 October 2016, p. 42.

[87]      Mr Gerard Brody, Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 25 October 2016, pp. 12–13; Consumer Action Law Centre, Submission 22, p. 6.