Footnotes

Chapter 1 - Introduction

[1]        Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008.

Chapter 2 - Background

[1]        Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1707.

[2]        Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009.

[3]        Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008.

[4]        Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 9.

[5]        The Office of the Privacy Commissioner (OPC) was integrated into the Office of the Australian Information Commissioner (OAIC) on 1 November 2010.

[6]        Senate Finance and Public Administration Legislation Committee, Exposure Drafts of Australian Privacy Amendment Legislation: Part 1 Australian Privacy Principles, June 2011.

[7]        Senate Finance and Public Administration Legislation Committee, Exposure Drafts of Australian Privacy Amendment Legislation: Part 1 Australian Privacy Principles, June 2011, pp xi–xiv.

[8]        Council of Australian Governments, 'Financial Regulation and Consumer Protection', Communiqué, 2 October 2008.

[9]        A summary of amendments to the credit reporting provisions is available in For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1716–1718.

[10]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 19–20.

[11]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1716.

[12]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1721–1737.

[13]      In 1991 the Privacy Commissioner determined that full name (including aliases), sex, date of birth, a maximum of three addresses, name of current or last employer, and drivers licence number were 'reasonably necessary'.

[14]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1733–1734.

[15]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1800–1801.

[16]      The ALRC's recommendation for one set of privacy principles was referred to as the Unified Privacy Principles (UPPs). Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 653 and 651.

[17]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1941.

[18]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1706.

[19]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1768.

[20]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1786–1787.

[21]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1706.

[22]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 99.

[23]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 101–103.

[24]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 103–104.

[25]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1810.

[26]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1800–1801.

[27]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1800.

[28]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1811–1812 and pp 1827–1851.

[29]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1811–1820.

[30]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1800.

[31]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1853–1854.

[32]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 107–108.

[33]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1854.

[34]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1854–1855.

[35]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1853–1854 and 1856.

[36]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1853–1854 and 1856.

[37]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1856, 1862, 1863, and 1874.

[38]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1856 and 1866.

[39]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1856 and 1870.

[40]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1856 and 1877.

[41]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1866.

[42]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1870.

[43]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1885.

[44]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1886.

[45]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 110.

[46]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 111–112.

[47]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 113–114.

[48]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1895–1896.

[49]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1896–1897.

[50]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1905.

[51]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1917.

[52]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1917.

[53]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1928–1929.

[54]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1929 and 1932.

[55]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 115–116.

[56]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 116–117.

[57]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 117.

[58]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 119.

[59]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1941.

[60]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1943.

[61]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1946.

[62]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1954–1955.

[63]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1957.

[64]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1958.

[65]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1968.

[66]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 122–123.

[67]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1977–1978.

[68]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1982.

[69]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1982.

[70]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1997–1998.

[71]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 2006.

[72]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 2003.

[73]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 124–125.

[74]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 126–127.

[75]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 127–128.

Chapter 3 - General issues

[1]        Credit Ombudsman Services, Submission 68, pp 2–3.

[2]        See for example, Australian Institute of Credit Management, Submission 8a, p. 1; Australian Finance Conference, Submission 12a, p. 1; Westpac, Submission 13a, p. 1; Australasian Retail Credit Association, Submission 47, pp 1–2; ANZ Bank, Submission 64, p. 1.

[3]        Australian Bankers' Association, Submission 15a, p. 1; see also Mr Carlo Cataldo, Chairman, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, p. 6.

[4]        Mr Damian Karmelich, Director, Marketing and Corporate Affairs, Dun & Bradstreet, Committee Hansard, 16 May 2011, p. 9.

[5]        Australian Privacy Foundation, Submission 33a, pp 1–2.

[6]        Office of the Privacy Commissioner NSW, Submission 29a, p. 2.

[7]        Office of the Australian Information Commissioner, Submission 39a, p. 7.

[8]        Mr Timothy Pilgrim, Australian Privacy Commissioner, Office of the Australian Information Commissioner, Committee Hansard, 16 May 2011, p. 1.

[9]        Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 99.

[10]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1763.

[11]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 99.

[12]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1759.

[13]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1759.

[14]      Australian Law Reform Commission, Submission 1a, p. 2.

[15]      Australian Law Reform Commission, Submission 1a, p. 2.

[16]      Office of the Australian Information Commissioner, Submission 39a, p. 11.

[17]      Mr Timothy Pilgrim, Australian Privacy Commissioner, Office of the Australian Information Commissioner, Committee Hansard, 16 May 2011, p. 4.

[18]      Office of the Australian Information Commissioner, Submission 39a, p. 11.

[19]      Australian Privacy Foundation, Submission 33a, p. 3.

[20]      Senate Standing Committee on Regulations and Ordinances, 40^th Parliament Report, June 2005, p. 59.

[21]      Attorney-General's Department, A guide to framing Commonwealth offences, civil penalties and enforcement powers, p. 14.

[22]      Acts Interpretation Act 1901, s. 13.

[23]      Mr Timothy Pilgrim, Australian Privacy Commissioner, Office of the Australian Information Commissioner, Committee Hansard, 16 May 2011, p. 1.

[24]      Australian Privacy Foundation, Submission 33a, p. 2.

[25]      National Australia Bank, Submission 2a, p. 2; Australian Institute of Credit Management, Submission 8a, p. 1; Australian Finance Conference, Submission 12a, p. 1; Australian Bankers' Association, Submission 15a, p. 1; Australasian Retail Credit Association, Submission 47, p. 6; Veda Advantage, Submission 65, p. 3; Consumer Credit Legal Centre (NSW), Submission 66, p. 2; Law Institute Victoria, Submission 36a, p. 1.

[26]      Experian, Submission 46, pp 14–15.

[27]      Law Institute Victoria, Submission 36a, p. 1.

[28]      Law Institute Victoria, Submission 36a, p. 1.

[29]      Australian Institute of Credit Management, Submission 8a, p. 3.

[30]      National Australia Bank, Submission 2a, p. 2; see also Australian Institute of Credit Management, Submission 8a, p. 3; Australian Bankers' Association, Submission 15a, p. 5.

[31]      Mr David Fodor, Chief Credit Officer, Personal Banking Risk, National Australia Bank, Committee Hansard, 16 May 2011, p. 8.

[32]      National Australia Bank, Submission 2a, p. 2.

[33]      Veda Advantage, Submission 65, p. 16.

[34]      Australia Finance Conference, Submission 12a, p. 2.

[35]      Australian Institute of Credit Management, Submission 8a, p. 3.

[36]      Australasian Retail Credit Association, Submission 48, p. 6.

[37]      Australia Finance Conference, Submission 12a, p. 4.

[38]      See for example, Consumer Action Law Centre, Submission 63, p. 3.

[39]      Veda Advantage, Submission 65, p. 35.

[40]      Ms Helen Gordon, Regional Director and Corporate Lawyer, Australian Finance Conference, Committee Hansard, 16 May 2011, p. 26.

[41]      Consumer Action Law Centre, Submission 63, p. 3; Veda Advantage, Submission 65, p. 35.

[42]      See for example, Veda Advantage, Submission 65, p. 16.

[43]      National Australia Bank, Submission 2a, p. 4; Australia Finance Conference, Submission 12a, p. 4; Australian Privacy Foundation, Submission 33a, p. 4.

[44]      Veda Advantage, Submission 65, p. 35.

[45]      Australian Privacy Foundation, Submission 33a, p. 4.

[46]      National Australia Bank, Submission 2a, p. 4.

[47]      Australia Finance Conference, Submission 12a, p. 4.

[48]      Australia Finance Conference, Submission 12a, p. 4.

[49]      Veda Advantage, Submission 65, p. 17.

[50]      Department of the Prime Minister and Cabinet, Additional Information, (received 2 September 2011), p. 1.

[51]      National Australia Bank, Submission 2a, p. 4; see also Australasian Retail Credit Association, Submission 47, p. 13.

[52]      Mr Chris Gration, Head of External Relations, Veda Advantage, Committee Hansard, 16 May 2011, p. 39.

[53]      Ms Nerida Caesar, Chief Executive Officer, Veda Advantage, Committee Hansard, 16 May 2011, pp 39–40.

[54]      Mr Chris Gration, Head of External Relations, Veda Advantage, Committee Hansard, 16 May 2011, p. 43.

[55]      Optus, Submission 58, p. 4.

[56]      Veda Advantage, Submission 65, p. 17.

[57]      Australian Finance Conference, Submission 12a, Attachment 2, p. vi; Office of the Australian Information Commissioner, Submission 39a, p. 7.

[58]      Office of the Australian Information Commissioner, Submission 39a, p. 20.

[59]      Office of the Australian Information Commissioner, Submission 39a, pp 17–18.

[60]      Consumer Credit Legal Centre (NSW), Submission 66, p. 2.

[61]      Telecommunications Industry Ombudsman, Submission 69, p. 8.

[62]      Consumer Credit Legal Centre (NSW), Submission 66, p. 2.

[63]      Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 8.

[64]      Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 5.

[65]      Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 5.

[66]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1761.

[67]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 99.

[68]      Office of the Australian Information Commissioner, Submission 39a, p. 12.

[69]      Office of the Australian Information Commissioner, Submission 39a, p. 12.

[70]      Office of the Australian Information Commissioner, Submission 39a, p. 12.

[71]      Australian Finance Conference, Submission 12a, Attachment 2, p. viii.

[72]      Australia Finance Conference, Submission 12a, p. 2; Mr Damian Karmelich, Director, Dun & Bradstreet, Committee Hansard, 16 May 2011, p. 15.

[73]      Consumer Action Law Centre, Submission 63, p. 3.

[74]      Australian Privacy Foundation, Submission 33a, pp 3–4.

[75]      Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 5.

[76]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 103.

[77]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 104.

[78]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 103.

[79]      Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, pp 5–6.

[80]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 104.

[81]      Optus, Submission 58, p. 4.

[82]      Australasian Retail Credit Association, Submission 48, p. 3.

[83]      Australian Bankers' Association, Submission 15a, p. 2; Australasian Retail Credit Association, Submission 48, p. 3.

[84]      Australian Bankers' Association, Submission 15a, p. 3.

[85]      Mr Carlo Cataldo, Chairman, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, p. 7.

[86]      Australian Bankers' Association, Submission 15a, p. 2.

[87]      Australasian Retail Credit Association, Submission 48, p. 4.

[88]      Mr Carlo Cataldo, Chairman, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, p. 12.

[89]      Legal Aid Queensland, Submission 60, p. 7.

[90]      Legal Aid Queensland, Submission 60, p. 8.

[91]      Legal Aid Queensland, Submission 60, p. 8.

[92]      Legal Aid Queensland, Submission 60, pp 7–8.

[93]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 104.

[94]      Westpac, Submission 13a, pp 1–2.

[95]      Experian, Submission 46, p. 12.

[96]      Mr Timothy Pilgrim, Australian Privacy Commissioner, Office of the Australian Information Commissioner, Committee Hansard, 16 May 2011, p. 2.

[97]      Ms Nerida Caesar, Chief Executive Officer, Veda Advantage, Committee Hansard, 16 May 2011, p. 40.

[98]      Communications Alliance, Submission 56, pp 7–8.

[99]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 101.

[100]    Consumer Credit Legal Service (WA), Submission 49, p. 4.

[101]    Australian Privacy Foundation, Submission 33a, p. 8.

[102]    Australian Finance Conference, Submission 12a, Attachment 2, p. vi.

[103]    The Hon. Brendan O'Connor, MP, Minister for Privacy and Freedom of Information, letter to the Chair, dated 31 January 2011.

[104]    Ms Katherine Lane, Principal Solicitor, Consumer Credit Legal Centre (NSW), Committee Hansard, 16 May 2011, p. 33.

[105]    Office of the Privacy Commissioner NSW, Submission 29a, p. 2.

[106]    Office of the Privacy Commissioner NSW, Submission 29a, p. 2.

[107]    Dun & Bradstreet, Submission 47, p. 12.

Chapter 4 - Serious credit infringements, identity theft and hardship

[1]        Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 13.

[2]        Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1869–1870.

[3]        Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 111.

[4]        Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 112.

[5]        Australian Privacy Foundation, Submission 33a, pp 5–6.

[6]        Ms Karen Cox, Coordinator, Consumer Credit Legal Centre NSW, Committee Hansard, 16 May 2011, p. 29.

[7]        Australian Privacy Foundation, Submission 33a, pp 5–6; Consumer Credit Legal Centre NSW, Submission 66, p. 10.

[8]        Consumer Action Law Centre, Submission 63, pp 1–2.

[9]        Ms Carolyn Bond, Co-Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 16 May 2011, p. 37.

[10]      Consumer Credit Legal Centre NSW, Submission 66, p. 10.

[11]      Australian Privacy Foundation, Submission 33a, pp 5–6; Legal Aid Queensland, Submission 60, pp 4–5; Consumer Action Law Centre, Submission 63, pp 1–2.

[12]      Legal Aid Queensland, Submission 60, pp 4–5.

[13]      Consumer Action Law Centre, Submission 63, pp 1–2.

[14]      Consumer Action Law Centre, Submission 63, pp 1–2.

[15]      Consumer Action Law Centre, Submission 63, pp 6–8; Consumer Credit Legal Centre NSW, Submission 66, pp 11–12.

[16]      Legal Aid Queensland, Submission 60, pp 4–5.

[17]      Australian Privacy Foundation, Submission 33a, pp 5–6.

[18]      Veda Advantage, Additional Information, (received 9 August 2011), p. 1.

[19]      Department of the Prime Minister and Cabinet, Additional Information, (received 2 September 2011), p. 3.

[20]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1932.

[21]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 118.

[22]      Australian Privacy Foundation, Submission 33a, p. 10; see also Consumer Action Law Centre, Submission 63, p. 13.

[23]      Australian Privacy Foundation, Submission 33a, p. 11.

[24]      National Australia Bank, Submission 2a, p. 5; Telstra, Submission 19a, p. 1; ANZ Bank, Submission 64, p. 16.

[25]      ANZ Bank, Submission 64, p. 16; see also Australasian Retail Credit Association, Submission 48, p. 17.

[26]      Law Institute of Victoria, Submission 36a, p. 2.

[27]      Telecommunications Industry Ombudsman, Submission 69, p. 5.

[28]      Experian, Submission 46, pp 16–17.

[29]      Experian, Submission 46, pp 16–17; see also Veda Advantage, Submission 65, p. 30.

[30]      Experian, Submission 46, pp 17–18.

[31]      Veda Advantage, Submission 65, pp 29–30.

[32]      Veda Advantage, Submission 65, p. 18, see also p. 30.

[33]      Veda Advantage, Additional Information, (received 9 August 2011), p. 2.

[34]      Department of the Prime Minister and Cabinet, Additional Information, (received 2 September 2011), p. 3.

[35]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1931.

[36]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 118.

[37]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 120.

[38]      Consumer Credit Legal Centre NSW, Submission 66, pp 8–9.

[39]      Legal Aid Queensland, Submission 60, p. 6.

[40]      Ms Carolyn Bond, Co-Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 16 May 2011, p. 36.

[41]      Credit Ombudsman Services Limited, Submission 68, p. 5.

[42]      Consumer Credit Legal Centre NSW, Submission 66, p. 9; see also Ms Karen Cox, Coordinator, Consumer Credit Legal Centre NSW, Committee Hansard, 16 May 2011, p. 29.

[43]      Consumer Credit Legal Centre NSW, Submission 66, pp 9–10; see also Legal Aid Queensland, Submission 60, p. 6.

[44]      ANZ Bank, Submission 64, p. 12.

[45]      Australasian Retail Credit Association, Submission 48, p. 15.

[46]      Mr Carlo Cataldo, Chairman, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, p. 7.

[47]      Dr David Grafton, Chief Risk Officer, Retain Banking Services, Commonwealth Bank, Committee Hansard, 16 May 2011, p. 11.

[48]      Australasian Retail Credit Association, Submission 48, p. 15.

[49]      Mr Carlo Cataldo, Chairman, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, p. 7.

[50]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1869–1870.

Chapter 5 - Complaints handling

[1]        National Australia Bank, Submission 2a, p. 3.

[2]        Australasian Retail Credit Association, Submission 48, p. 11.

[3]        Office of the Australian Information Commissioner, Submission 39a, p. 14; Consumer Action Law Centre, Submission 63, p. 11; Consumer Credit Legal Centre NSW, Submission 66, p. 3.

[4]        Office of the Australian Information Commissioner, Submission 39a, p. 14; Consumer Credit Legal Centre NSW, Submission 66, p. 3.

[5]        Consumer Credit Legal Centre NSW, Submission 66, p. 3; Consumer Action Law Centre, Submission 63, p. 2.

[6]        Ms Carolyn Bond, Co-Chief Executive Officer, Consumer Action Law Centre, Committee Hansard, 16 May 2011, p. 34.

[7]        Australian Privacy Foundation, Submission 33a, p. 6; Consumer Action Law Centre, Submission 63, p. 11.

[8]        Consumer Action Law Centre, Submission 63, p. 11.

[9]        Consumer Action Law Centre, Submission 63, p. 11.

[10]      Consumer Action Law Centre, Submission 63, p. 11; Consumer Credit Legal Centre NSW, Submission 66, pp 3–4.

[11]      Energy & Water Ombudsman NSW, Submission 51, p. 3.

[12]      Energy & Water Ombudsman NSW, Submission 51, p. 5; Consumer Action Law Centre, Submission 63, p. 11; Consumer Credit Legal Centre NSW, Submission 66, pp 3–4.

[13]      National Australia Bank, Submission 2a, p. 3; Australian Bankers' Association, Submission 17a, p. 4; Australian Privacy Foundation, Submission 33a, p. 7.

[14]      Optus, Submission 58, pp 3–4.

[15]      Communications Alliance, Submission 56, p. 5.

[16]      Australian Bankers' Association, Submission 17a, p. 4; Australian Privacy Foundation, Submission 33a, p. 7; see also National Australia Bank, Submission 2a, p. 3; Australasian Retail Credit Association, Submission 48, p. 12.

[17]      National Australia Bank, Submission 2a, p. 3; Australasian Retail Credit Association, Submission 48, p. 12.

[18]      Telecommunications Industry Ombudsman, Submission 69, p. 9.

[19]      Energy & Water Ombudsman NSW, Submission 51, p. 5.

[20]      Energy & Water Ombudsman NSW, Submission 51, p. 5; see also Telecommunications Industry Ombudsman, Submission 69, p. 9.

[21]      Telecommunications Industry Ombudsman, Submission 69, p. 10.

[22]      Australasian Retail Credit Association, Submission 48, p. 11; see also National Australia Bank, Submission 2a, p. 3.

[23]      Consumer Credit Legal Centre NSW, Submission 66, p. 5.

[24]      Australian Bankers' Association, Submission 17a, p. 4; ANZ Bank, Submission 64, p. 12.

[25]      National Australia Bank, Submission 2a, p. 3; Westpac, Submission 13a, p. 3; Australian Bankers' Association, Submission 15a, p. 4; Insurance Council of Australia, Submission 17a, p. 2; Australasian Retail Credit Association, Submission 48, p. 11.

[26]      ANZ Bank, Submission 64, p. 12.

[27]      ANZ Bank, Submission 64, p. 13.

[28]      Insurance Council of Australia, Submission 17a, p. 2.

[29]      Australasian Retail Credit Association, Submission 48, p. 11.

[30]      Communications Alliance, Submission 56, p. 5; Optus, Submission 58, p. 3.

[31]      Optus, Submission 58, p. 3.

[32]      Communications Alliance, Submission 56, p. 5.

[33]      Mr John Stanton, Chief Executive Officer, Communications Alliance, Committee Hansard, 16 May 2011, p. 21.

[34]      Communications Alliance, Submission 56, p. 4.

[35]      Communications Alliance, Submission 56, p. 4.

[36]      Communications Alliance, Submission 56, p. 5.

[37]      Mr Timothy Pilgrim, Australian Privacy Commissioner, Office of the Australian Information Commissioner, Committee Hansard, 16 May 2011, p. 3.

[38]      Department of the Prime Minister and Cabinet, Additional Information, (received 2 September 2011), p. 4.

[39]      Australasian Retail Credit Association, Submission 48, p. 12.

[40]      ANZ Bank, Submission 64, p. 13.

[41]      ANZ Bank, Submission 64, p. 13.

[42]      ANZ Bank, Submission 64, p. 13.

[43]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1977.

[44]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 128.

[45]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 126.

[46]      Energy & Water Ombudsman, Submission 51, p. 4.

[47]      Australasian Retail Credit Association, Submission 48, p. 11.

[48]      Westpac, Submission 13a, p. 3.

[49]      National Australia Bank, Submission 2a, p. 3; see also Mr David Fodor, Chief Credit Officer, Personal Banking Risk, National Australia Bank, Committee Hansard, 16 May 2011, p. 9.

[50]      Mr Stephen Balme, General Manager, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, p. 9.

[51]      Australasian Retail Credit Association, Submission 48, p. 11.

[52]      Australian Bankers' Association, Submission 17a, p. 4; see also National Australia Bank, Submission 2a, p. 3.

[53]      Australasian Retail Credit Association, Submission 48, p. 11.

[54]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 2001.

[55]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 2002.

[56]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 127–128.

[57]      Ms Nerida Caesar, Chief Executive Officer, Veda Advantage, Committee Hansard, 16 May 2011; Consumer Credit Legal Centre NSW, Submission 66, p. 3; Legal Aid Queensland, Submission 60, p. 3.

[58]      Legal Aid Queensland, Submission 60, p. 3; Consumer Action Law Centre, Submission 63, p. 11; Consumer Credit Legal Centre NSW, Submission 66, p. 3.

[59]      Consumer Credit Legal Centre NSW, Submission 66, p. 3.

[60]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 2003.

[61]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 2003.

[62]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 127.

[63]      Tasmanian Collection Service, Submission 50, pp 1–2.

[64]      Australian Finance Conference, Submission 12a, p. 6.

[65]      Insurance Council of Australia, Submission 17a, p. 2.

[66]      Energy & Water Ombudsman NSW, Submission 51, p. 8.

[67]      Department of the Prime Minister and Cabinet, Additional Information, (received 2 September 2011), p. 4.

[68]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 128.

[69]      Office of the Australian Information Commissioner, Submission 39a, p. 15; Energy & Water Ombudsman NSW, Submission 51, p. 6; Consumer Credit Legal Centre NSW, Submission 66, p. 4.

[70]      Office of the Australian Information Commissioner, Submission 39a, p. 15.

[71]      Energy & Water Ombudsman NSW, Submission 51, p. 6; see also Australian Privacy Foundation, Submission 33a, p. 12.

[72]      Consumer Credit Legal Centre NSW, Submission 66, p. 3.

[73]      Ms Karen Cox, Coordinator, Consumer Credit Legal Centre NSW, Committee Hansard, 16 May 2011, p. 29.

[74]      Consumer Action Law Centre, Submission 63, pp 9–10.

[75]      Office of the Australian Information Commissioner, Submission 39a, p. 15.

[76]      Consumer Credit Legal Centre NSW, Submission 66, p. 5.

[77]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 128.

Chapter 6 - Credit reporting agency provisions

[1]        Australian Privacy Foundation, Submission 33a, p. 8.

[2]        Experian, Submission 46, p. 14.

[3]        Australian Privacy Foundation, Submission 33a, p. 8.

[4]        Senate Finance and Public Administration Legislation Committee, Exposure Draft of Australian Privacy Policy Amendment Legislation: Part 1 – Australian Privacy Principles, June 2011, pp 46–47.

[5]        Senate Finance and Public Administration Legislation Committee, Exposure Draft of Australian Privacy Policy Amendment Legislation: Part 1 – Australian Privacy Principles, June 2011, pp 47–51.

[6]        Law Institute of Victoria, Submission 36a, p. 2.

[7]        Experian, Submission 46, p. 14.

[8]        Australian Privacy Foundation, Submission 33a, p. 9.

[9]        Australian Privacy Foundation, Submission 33a, p. 9.

[10]      Australian Privacy Foundation, Submission 33a, p. 9.

[11]      Law Institute of Victoria, Submission 36a, p. 2.

[12]      Senate Legal and Constitutional Affairs Legislation Committee, Combating the Financing of People Smuggling and Other Measures Bill 2011, March 2011.

[13]      Experian, Submission 46, p. 13.

[14]      Australian Finance Conference, Submission 12a, Attachment 2, p. vii.

[15]      Consumer Credit Law Centre, Submission 66, p. 15.

[16]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, pp 116–117.

[17]      Australian Law Reform Commission, Submission 1a, p. 2.

[18]      Australian Law Reform Commission, Submission 1a, p. 3.

[19]      Law Institute of Victoria, Submission 36a, p. 2.

[20]      Consumer Action Law Centre, Submission 63, pp 4–5; see also Financial Counsellors' Association of Queensland, Submission 67, p. 2.

[21]      Consumer Action Law Centre, Submission 63, pp 4–5.

[22]      Ms Karen Cox, Coordinator, Consumer Credit Legal Centre NSW, Committee Hansard, 16 May 2011, p. 32.

[23]      Consumer Action Law Centre, Submission 63, pp 5–6.

[24]      Australian Privacy Foundation, Submission 33a, p. 9.

[25]      Australian Privacy Foundation, Submission 33a, p. 10.

[26]      Consumer Credit Legal Centre NSW, Submission 66, p. 14.

[27]      Consumer Credit Legal Centre NSW, Submission 66, p. 14.

[28]      Australian Finance Conference, Submission 12a, Attachment 2, p. vii.

[29]      Experian, Submission 46, p. 16.

[30]      Mr Carlo Cataldo, Chairman, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, p. 13.

[31]      Australian Bankers' Association, Submission 15a, p. 6.

[32]      Australian Bankers' Association, Submission 15a, p. 7.

[33]      Australian Privacy Foundation, Submission 33a, p. 9.

[34]      Law Institute of Victoria, Submission 36a, p. 2.

[35]      Australasian Retail Credit Association, Submission 48, p. 17.

[36]      Australian Privacy Foundation, Submission 33a, p. 11.

[37]      Law Institute of Victoria, Submission 36a, p. 3.

[38]      See for example, National Australia Bank, Submission 2a, p. 4; ANZ Bank, Submission 64, p. 15.

[39]      Australasian Retail Credit Association, Submission 48, p. 10.

[40]      ANZ Bank, Submission 64, p. 15.

[41]      National Australia Bank, Submission 2a, p. 4; Australasian Retail Credit Association, Submission 48, p. 10.

[42]      National Australia Bank, Submission 2a, p. 4.

[43]      National Australia Bank, Submission 2a, p. 4; Australasian Retail Credit Association, Submission 48, p. 10.

[44]      ANZ Bank, Submission 64, p. 15.

[45]      Experian, Submission 46, p. 13.

[46]      Dun & Bradstreet, Submission 47, p. 11.

[47]      Office of the Australian Information Commissioner, Submission 39a, p. 23.

[48]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 116.

[49]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 117.

[50]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1965.

[51]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 115.

[52]      Dun & Bradstreet, Submission 47, p. 12.

[53]      Westpac, Submission 13a, p. 2.

[54]      Westpac, Submission 13a, p. 2.

[55]      Australasian Retail Credit Association, Submission 48, p. 12; see also Westpac, Submission 13a, p. 2.

[56]      Veda Advantage, Submission 65, pp 40–41.

[57]      Dun & Bradstreet, Submission 47, p. 12.

[58]      Experian, Submission 46, pp 18–19.

[59]      Experian, Submission 46, pp 18–19.

[60]      Australian Privacy Foundation, Submission 33a, p. 11.

[61]      Australian Privacy Foundation, Submission 33a, p. 11; Legal Aid Queensland, Submission 60, p. 2; Consumer Credit Legal Centre NSW, Consumer Action Law Centre, Financial Counselling Australia, Australian Privacy Foundation, Financial and Consumer Rights Council Inc, Consumer Law Centre of the ACT, Submission 70, p. 3.

[62]      National Australia Bank, Submission 2a, p. 6.

[63]      Consumer Credit Legal Centre NSW, Consumer Action Law Centre, Financial Counselling Australia, Australian Privacy Foundation, Financial and Consumer Rights Council Inc. and Consumer Law Centre of the ACT, Submission 70, p. 2.

[64]      Dun & Bradstreet, Submission 47, p. 15.

[65]      Consumer Credit Legal Centre NSW, Consumer Action Law Centre, Financial Counselling Australia, Australian Privacy Foundation, Financial and Consumer Rights Council Inc. and Consumer Law Centre of the ACT, Submission 70, p. 3.

[66]      Consumer Credit Legal Centre NSW, Consumer Action Law Centre, Financial Counselling Australia, Australian Privacy Foundation, Financial and Consumer Rights Council Inc. and Consumer Law Centre of the ACT, Submission 70, p. 3.

[67]      Consumer Credit Legal Centre NSW, Consumer Action Law Centre, Financial Counselling Australia, Australian Privacy Foundation, Financial and Consumer Rights Council Inc. and Consumer Law Centre of the ACT, Submission 70, p. 2.

[68]      Law Institute of Victoria, Submission 36a, p. 3; Legal Aid Queensland, Submission 60, p. 2; Consumer Credit Legal Centre NSW, Consumer Action Law Centre, Financial Counselling Australia, Australian Privacy Foundation, Financial and Consumer Rights Council Inc. and Consumer Law Centre of the ACT, Submission 70, p. 3.

[69]      Law Institute of Victoria, Submission 36a, p. 3.

[70]      Veda Advantage, Submission 65, p. 18.

[71]      Energy & Water Ombudsman NSW, Submission 51, p. 3.

[72]      Telecommunications Industry Ombudsman, Submission 69, pp 6–7.

[73]      Veda Advantage, Submission 65, p. 16.

[74]      Veda Advantage, Submission 65, p. 16.

[75]      Australian Privacy Foundation, Submission 33a, p. 11.

[76]      Experian, Submission 46, pp 21–22.

[77]      Dun & Bradstreet, Submission 47, pp 16–17.

[78]      Veda Advantage, Submission 65, p. 19; see also National Australia Bank, Submission 2a, p. 6.

[79]      Experian, Submission 46, p. 12.

[80]      Dun & Bradstreet, Submission 47, pp 16–17.

[81]      Australasian Retail Credit Association, Submission 48, pp 17–18.

[82]      Australian Bankers' Association, Submission 15a, p. 7.

[83]      Australasian Retail Credit Association, Submission 48, p. 19; National Australia Bank, Submission 2a, p. 9.

[84]      Veda Advantage, Submission 65, p. 19.

[85]      Australasian Retail Credit Association, Submission 48, pp 17–18.

[86]      National Australia Bank, Submission 2a, p. 6.

Chapter 7 - Credit provider provisions

[1]        Australian Finance Conference, Submission 12a, Attachment 2, p. viii; Westpac, Submission 13a, p. 2.

[2]        Westpac, Submission 13a, p. 2.

[3]        National Australia Bank, Submission 2a, p. 7.

[4]        Australian Finance Conference, Submission 12a, Attachment 2, p. viii.

[5]        Australian Privacy Foundation, Submission 33a, p. 12.

[6]        Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1885.

[7]        Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 113.

[8]        Office of the Australian Information Commissioner, Submission 39a, p. 13.

[9]        Office of the Australian Information Commissioner, Submission 39a, pp 13–14..

[10]      Dun & Bradstreet, Submission 47, pp 18–23.

[11]      Dun & Bradstreet, Submission 47, pp 18–23; see also Mr Damian Karmelich, Director, Marketing and Corporate Affairs, Dun & Bradstreet, Committee Hansard, 16 May 2011, p. 16.

[12]      Mr Carlo Cataldo, Chairman, Australasian Retail Credit Association, Committee Hansard, 16 May 2011, pp 12–13.

[13]      Telecommunications Industry Ombudsman, Submission 69, p. 7.

[14]      Australian Privacy Foundation, Submission 33a, p. 12.

[15]      Australian Privacy Foundation, Submission 33a, p. 12.

[16]      Experian, Submission 46, p. 20.

[17]      Westpac, Submission 13a, p. 2.

[18]      Australian Finance Conference, Submission 12a, Attachment 2, p. ix.

[19]      ANZ Bank, Submission 64, p. 11.

[20]      Australian Privacy Foundation, Submission 33a, p. 13.

[21]      Consumer Action Law Centre, Submission 63, p. 12.

[22]      Consumer Action Law Centre, Submission 63, pp 12–13; see also Australian Privacy Foundation, Submission 33a, p. 12.

[23]      Westpac, Submission 13a, p. 2.

[24]      Australian Privacy Foundation, Submission 33a, p. 12.

[25]      Australian Bankers' Association, Submission 15a, p. 7.

[26]      Telecommunications Industry Ombudsman, Submission 69, p. 8.

[27]      National Australia Bank, Submission 2a, p. 7; Australasian Retail Credit Association, Submission 48, p. 19; ANZ Bank, Submission 64, p. 6.

[28]      ANZ Bank, Submission 64, p. 6.

[29]      ANZ Bank, Submission 64, p. 6.

[30]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 1989.

[31]      Legal Aid Queensland, Submission 60, p. 3.

[32]      Legal Aid Queensland, Submission 60, p. 3.

Chapter 8 - Division 4 and penalty provisions

[1]        Australasian Retail Credit Association, Submission 48, p. 19.

[2]        National Australia Bank, Submission 2a, p. 4; ANZ Bank, Submission 64, p. 17.

[3]        Australasian Retail Credit Association, Submission 48, p. 19.

[4]        Australian Privacy Foundation, Submission 33a, p. 14; Office of the Australian Information Commissioner, Submission 39a, p. 16.

[5]        Australian Privacy Foundation, Submission 33a, p. 14.

[6]        Office of the Australian Information Commissioner, Submission 39a, p. 16.

[7]        Mr Timothy Pilgrim, Australian Privacy Commissioner, Office of the Australian Information Commissioner, Committee Hansard, 16 May 2011, p. 3.

[8]        Australian Privacy Foundation, Submission 33a, p. 14.

[9]        Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1899–1902.

[10]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, pp 1665 and 2010.

[11]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 128.

[12]      Australasian Retail Credit Association, Submission 48, p. 15.

[13]      MasterCard, Submission 55, p. 2.

[14]      Australian Privacy Foundation, Submission 33a, p. 8; see also Consumer Credit Legal Service (WA), Submission 49, p. 1.

[15]      Australian Privacy Foundation, Submission 33a, p. 8.

[16]      Australian Privacy Foundation, Submission 33a, p. 15.

[17]      Australian Privacy Foundation, Submission 33a, p. 15.

[18]      Consumer Credit Legal Centre (NSW), Submission 66, pp 16–17.

[19]      Consumer Credit Legal Centre (NSW), Submission 66, pp 16–17.

[20]      Ms Katherine Lane, Principal Solicitor, Consumer Credit Legal Centre (NSW), Committee Hansard, 16 May 2011, p. 33.

[21]      Experian, Submission 46, p. 20.

[22]      Experian, Submission 46, p. 20.

[23]      Experian, Submission 46, pp 20–21.

[24]      Ms Nerida Caesar, Chief Executive Officer, Veda Advantage, Committee Hansard, 16 May 2011, p. 40.

[25]      Veda Advantage, Submission 65, pp 39–40; see also Dun & Bradstreet, Submission 47 p. 14.

[26]      Australasian Retail Credit Association, Submission 48, p. 15; National Australia Bank, Submission 2a, p. 9.

[27]      Australasian Retail Credit Association, Submission 48, p. 15.

[28]      Australasian Retail Credit Association, Submission 48, p. 18.

[29]      ANZ Bank, Submission 64, pp 7–8; Westpac, Submission 13a, p. 3.

[30]      Australasian Retail Credit Association, Submission 48, p. 15; see also National Australia Bank, Submission 2a, p. 9.

[31]      Veda Advantage, Submission 65, p. 17.

[32]      Veda Advantage, Submission 65, pp 39–40.

[33]      Experian, Submission 46, p. 21.

[34]      Australian Finance Conference, Submission 12a, Attachment 2, p. vii; Australian Privacy Foundation, Submission 33a, p. 11.

[35]      Ms Helen Gordon, Regional Director and Corporate Lawyer, Australian Finance Conference, Committee Hansard, 16 May 2011, p. 27.

[36]      Australian Law Reform Commission, For Your Information: Australian Privacy Law and Practice, ALRC 108, May 2008, p. 2010.

[37]      The Hon. Chris Bowen MP, Minister for Financial Services, Superannuation and Corporate Law, House of Representatives Hansard, 25 June 2009, p. 7149.

[38]      Explanatory Memorandum, National Consumer Protection Bill 2009, p. 126.

Chapter 9 - Definitions

[1]        Communications Alliance, Submission 56, pp 7–8.

[2]        Communications Alliance, Submission 56, pp 7–8.

[3]        Consumer Credit Legal Service (WA), Submission 49, pp 3–4.

[4]        Consumer Credit Legal Centre (NSW), Submission 66, p. 17.

[5]        Australasian Retail Credit Association, Submission 48, p. 13; see also National Australia Bank, Submission 2a, p. 10.

[6]        Australian Finance Conference, Submission 12a, Attachment 2, p. iii.

[7]        Australian Privacy Foundation, Submission 33a, p. 4.

[8]        Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 12.

[9]        Office of the Australian Information Commissioner, Submission 39a, p. 19.

[10]      Office of the Australian Information Commissioner, Submission 39a, p. 19.

[11]      Australasian Retail Credit Association, Submission 48, p. 16.

[12]      Energy & Water Ombudsman NSW, Submission 51, p. 7.

[13]      Telstra, Submission 19, p. 2.

[14]      Consumer Action Law Centre, Submission 63, p. 13.

[15]      Legal Aid Queensland, Submission 60, p. 7.

[16]      ANZ Bank, Submission 64, p. 11.

[17]      Westpac, Submission 13a, p. 3; see also National Australia Bank, Submission 2a, p. 10.

[18]      Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 13.

[19]      Consumer Credit Law Centre, Submission 66, p. 6.

[20]      Consumer Credit Law Centre, Submission 66, pp 6–7.

[21]      Credit Ombudsman Services Limited, Submission 68, p. 4.

[22]      Legal Aid Queensland, Submission 60, p. 5.

[23]      Australian Privacy Foundation, Submission 33a, p. 5.

[24]      Consumer Credit Law Centre, Submission 66, pp 6–7.

[25]      Australasian Retail Credit Association, Submission 49, pp 15–16; see also National Australia Bank, Submission 2a, p. 10; Australian Finance Conference, Submission 12a, Attachment 2, p. v.

[26]      Westpac, Submission 15a, p. 3.

[27]      Veda Advantage, Submission 65, p. 44.

[28]      See for example, Australasian Retail Credit Association, Submission 49, p. 15; ANZ Bank, Submission 64, p. 12; Credit Ombudsman Services Limited, Submission 68, p. 13.

[29]      ANZ Bank, Submission 64, p. 12; see also Credit Ombudsman Services Limited, Submission 68, p. 13.

[30]      Citigroup, Submission 59, pp 1–2.

[31]      Citigroup, Submission 59, p. 2.

[32]      Citigroup, Submission 59, p. 2.

[33]      Communications Alliance, Submission 56, p. 9.

[34]      Consumer Credit Law Centre, Submission 66, p. 8.

[35]      Credit Ombudsman Services Limited, Submission 68, p. 6.

[36]      Consumer Credit Legal Centre (NSW), Submission 66, p. 12.

[37]      Australian Government, Companion Guide, Privacy Reforms: Credit Reporting, January 2011, p. 7.

[38]      Australian Privacy Foundation, Submission 33a, p. 5; Consumer Action Law Centre, Submission 63, p. 14.

[39]      Financial Counsellors' Association of Queensland, Submission 67, p. 2.

[40]      Consumer Credit Law Service (WA), Submission 49, pp 1–2.

[41]      Communications Alliance, Submission 56, pp 3–4.

[42]      Optus, Submission 58, pp 2–3.

[43]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 125.

[44]      National Relay Service, Submission 52, p. 1.

[45]      National Relay Service, Submission 52, pp 1–2.

[46]      Office of the Australian Information Commissioner, Submission 39a, p. 21.

[47]      Experian, Submission 46, p. 19.

[48]      National Australia Bank, Submission 2a, p. 11; Australian Institute of Credit Management, Submission 8a, p. 2; Australian Bankers' Association, Submission 15a, p. 5; Australasian Retail Credit Association, Submission 48, p. 9.

[49]      Australian Institute of Credit Management, Submission 8a, p. 2.

[50]      Australian Finance Conference, Submission 12a, Attachment 2, p. i.

[51]      Australian Finance Conference, Submission 12a, Attachment 2, p. i; see also Australian Bankers' Association, Submission 15a, p. 5.

[52]      Veda Advantage, Submission 65, p. 17.

[53]      Veda Advantage, Submission 65, pp 37–38.

[54]      Australian Government, Enhancing National Privacy Protection: Australian Government First Stage Response to the Australian Law Reform Commission Report 108, For Your Information: Australian Privacy Law and Practice, October 2009, p. 101.