Second round submissions

The Financial System Inquiry has received over 6,500 submissions in response to the issues set out in the Inquiry's Interim Report.

Over 5,000 submissions were received on the issue of "credit card surcharges". This issue is detailed in the Bartosch submissions. The Inquiry has also received numerous submissions relating to the issues of "too-big-to-fail" or "bail in".

Note: Confidential submissions have not been published. Submissions that contain content that is defamatory, obscene, indecent, threatening or abusive have not be published on the website.

The opinions expressed in the submissions are those of the authors and do not necessarily reflect the views of the Government or the Financial System Inquiry.

The Financial System Inquiry requests submissions are received in an accessible format. If you are having difficulty with the accessibility of any of the submissions below please contact fsi@fsi.gov.au.

Submissions listed alphabetically A-C

Document name PDF DOC/RTF
ACTU 914 KB
ACTU (Attachment) 902 KB
Actuaries Institute 107 KB
Adams, Helen 18 KB
Ainslie, Frank 463 KB
Allens Linklater 546 KB
Allianz 268 KB 400 KB
American Express 707 KB
AMP 880 KB
ANZ (Cover Letter) 481 KB
ANZ (Submission) 654 KB
ANZ (Attachment) 484 KB
ANZ and Consumer Action Law Centre (CALC) (Cover Letter) 340 KB
ANZ and Consumer Action Law Centre (CALC) (Submission) 233 KB 601 KB
Apswoude, David 85 KB 37 KB
Arnhem Investment Management 322 KB 860 KB
Asia Pacific Stock Exchange Limited 446 KB 665 KB
Association of Financial Advisers (AFA) 299 KB
Association of Superannuation Funds Australia (ASFA) 2.2 MB
ASX Ltd 610 KB
Atchison Consultants 29 KB
Atkinson, Thomas 82 KB 41 KB
Aussie 684 KB
AUSTRAC 135 KB
Australian APEC Study Centre 1.2 MB
Australian APEC Study Centre (Attachment) 2.9 MB
Australian Bankers' Association (ABA) 4.3 MB
Australian Business Register (ABR) 185 KB
Australian Centre for Financial Studies (ACFS) (Submission 1) 955 KB 2 MB
Australian Centre for Financial Studies (ACFS) (Submission 2) 624 KB 1.1 MB
Australian Centre for Financial Studies (ACFS) (Submission 3) 3.8 MB
Australian Council of Social Service (ACOSS) 281 KB
Australian Council of Social Service (ACOSS) (Attachment A) 1.9 MB
Australian Council of Superannuation Investors (ACSI) 559 KB 889 KB
Australian Digital Currency Commerce Association 108 KB
Australian Finance Group 239 KB 352 KB
Australian Financial Markets Association 2 MB
Australian Financial Security Authority (AFSA) 820 KB 1.4 MB
Australian Foundation Investment Company 264 KB 938 KB
Australian Industry Group 418 KB
Australian Institute of Company Directors 145 KB
Australian Institute of Company Directors (Attachment A) 308 KB
Australian Institute of Company Directors (Attachment B) 60 KB
Australian Institute of Superannuation Trustees (AIST) 762 KB 1 MB
Australian Listed Investment Companies Association 995 KB
Australian Newsagents' Federation Ltd 124 KB 313 KB
Australian Payments Clearing Association (APCA) 526 KB 206 KB
Australian Private Equity & Venture Capital Association 583 KB
Australian Prudential Regulation Authority (APRA) 864 KB
Australian Restructuring Insolvency & Turnaround Association (ARITA) 6.2 MB
Australian Restructuring Insolvency & Turnaround Association (ARITA) (Attachment A) 489 KB
Australian Retail Credit Association 468 KB
Australian Retailers' Association 263 KB 1.8 MB
Australian Retailers' Association (Attachment A) 389 KB
Australian Securities and Investments Commission (ASIC) 961 KB
Australian Securitisation Forum 116 KB
Australian Shareholders Association 406 KB
Australian Super 520 KB
Back, Deborah 92 KB
Bain, John 242 KB
Baker & McKenzie 1.5 KB
Baker, Caroline 143 KB
Bank Doctor, The 327 KB
Bank Reform Now 265 KB 344 KB
Banki Haddock Fiora (Cover Letter) 192 KB
Banki Haddock Fiora (Attachment A) 243 KB
Banki Haddock Fiora (Attachment B) 351 KB
Banki Haddock Fiora Supplementary Submission (Cover Letter) 223 KB
Banki Haddock Fiora Supplementary Submission (Attachment A) 436 KB
Banking and Finance Consumer Support Association 560 KB 844 KB
Bankmecu 501 KB 3 MB
Barton Consultancy 314 KB 226 KB
Bartosch, Klaus 190 KB 41 KB
Bartosch, Klaus (Supplementary Submission) 74 KB 34 KB
Belmont Business Enterprise Centre 462 KB
Bendigo and Adelaide Bank 622 KB
Bone, David 199 KB
Bonham, James 519 KB 173 KB
Bourne, Duncan (Submission 1) 8 KB 31 KB
Bourne, Duncan (Submission 2) 8 KB 31 KB
Boutique Financial Planners 289 KB 161 KB
BPAY 103 KB
Brandson, Peter 36 KB
Breward, Alun 106 KB 74 KB
Broadridge Financial Solutions 244 KB 223 KB
Brooks, Jason 148 KB 35 KB
Brotherhood of St Laurence 376 KB 264 KB
Brown, Peter 101 KB 33 KB
Brown, Robert 565 KB 126 KB
Bruce Mulvaney & Co 198 KB 73 KB
Buckley, Ross and Ooi, Ken 324 KB 233 KB
Burke, AJ 83 KB
Business Council of Australia 250 KB 17 MB
Caiani & Company 1.1 MB
Cavendish Superannuation 206 KB
Centre for Commercial and Property Law – Queensland University of Technology 451 KB 123 KB
Centre for Digital Business 903 KB 161 KB
Centre for International Finance and Regulation (CIFR) 1.2 KB 2.1 MB
Centre of Excellence in Population Ageing Research (CEPAR) 693 KB 313 KB
CFA Societies Australia 352 KB
Challenger 737 KB 1.4 MB
Challenger (Attachment A) 1.3 MB
Challenger (Attachment B) 954 MB
Challenger (Attachment C) 1.4 MB
Challenger (Attachment D) 198 KB
Challenger (Attachment E) 252 KB
Challenger (Attachment F) 321 KB
Challenger (Attachment G) 640 KB
Challenger (Attachment H) 832 KB
Challenger (Attachment I) 162 KB
Chamber of Commerce and Industry Queensland 788 KB
Chan & Naylor 270 KB
Chant West 288 KB
Chapman, Janet and David 9 KB 33 KB
Chapman, Peter 8 KB
Chartered Accountants Australia and New Zealand 156 KB 485 KB
Chartered Accountants Australia and New Zealand (Attachment) 67 KB
Cheever, Paul 230 KB 1.1 MB
Chessell, Leo 173 KB 32 KB
Chi-X Australia Pty Ltd 530 KB 762 KB
CHOICE 1 MB 1.1 MB
CHOICE (Supplementary Submission) 151 KB 17.9 MB
Chung, Lisa 22 KB
Clanchy, Michael (Submission 1) 8 KB 36 KB
Clanchy, Michael (Submission 2) 9 KB 33 KB
Clarity Advisory and Training Solutions Pty Ltd 823 KB
Clayton Utz (Submission 2) 1.4 MB
Clayton Utz (Submission 2) 31 KB 145 KB
Clyde, Barry 159 KB
Coburn, Niall 164 KB 109 KB
Coles 225 KB
Combined Pensioners and Superannuants Association of NSW Inc (CPSA) 229 KB
Commercial Asset Finance Brokers Association of Australia (CAFBA) 378 KB 808 KB
Committee for Sydney 619 KB
Commonwealth Bank 4.6 MB
Connors, Ron 102 KB 33 KB
Consumer Action Law Centre 299 KB
Convenience and Mixed Business Association (CAMBA) 79 KB 42 KB
Corin Jacka Financial Solutions 286 KB 1.2 MB
Corporate Superannuation Association 89 KB 134 KB
COTA 1.3 KB
Council of Small Business Australia (COSBOA) 336 KB 1.1 MB
Council of Small Business Australia (COSBOA) (Attachment) 845 KB
Council of Social Service of NSW (NCOSS) 276 KB
Coué, PL 9 KB
CPA Australia 237 KB
CSR Limited 271 KB 206 KB
CUA 207 KB 1.1 MB
Customer Owned Banking Association (COBA) 970 KB
Customer Owned Banking Association (COBA) (Attachment) 588 KB
CV Solutions 261 KB 1.2 MB
Submissions listed alphabetically D-M

Document name PDF DOC/RTF
Dahlsen, John 94 KB 67 KB
Daniels, Ian 108 KB 166 KB
Davis, Lindsay 277 KB
Deloitte 1.9 MB
Detjen, Henry 418 KB 78 KB
Dibbs Barker 111 KB
Dibbs Barker (Attachment) 2.3 MB
Dillon, Craig 9 KB 32 KB
Dimensional 303 KB 954 KB
Dixon Advisory 322 KB
Djerriwarrh Investments Limited 129 KB
Doherty, William 84 KB 33 KB
DomaCom 322 KB 373 KB
Downham, M 390 KB
East, Deb 10 KB 33 KB
Edmunds, Roy 100 KB 34 KB
Edstein, John 519 KB 150 KB
Edwards, Peter 32 KB
eftpos 535 KB
Empirical Capital 1.2 MB
Equip 759 KB 1.3 MB
Erskine, Alex 191 KB
EY 343 KB
Fernandes, Pearl 85 KB
Ferrall, David 242 KB
Ferrier Hodgson 466 KB 1.9 MB
Ferrier Hodgson (Attachment) 1.9 MB
Financial Institutions & Management Advisory (FIMA) 326 KB
Financial Institutions & Manangement Advisory (FIMA) (Attachment) 351 KB
Financial Ombudsman Service 780 KB
Financial Planning Association of Australia Limited 1.2 MB
Financial Planning Association of Australia Limited (Supplementary Submission) 764 KB
Financial Planning Association of Australia Limited (Attachment) 1.6 MB
Financial Rights Legal Centre 1.1 MB 728 KB
Financial Services Council (FSC) (Chapter 1) 2.2 MB
Financial Services Council (FSC) (Chapter 1, Attachment A) 216 KB
Financial Services Council (FSC) (Chapter 2) 1.2 MB
Financial Services Council (FSC) (Chapter 2, Attachment A) 982 KB
Financial Services Council (FSC) (Chapter 2, Attachment B) 982 KB
Financial Services Council (FSC) (Chapter 2, Attachment C) 471 KB
Financial Services Council (FSC) (Chapter 3) 919 KB
Financial Services Council (FSC) (Chapter 4) 1 MB
Financial Services Council (FSC) (Chapter 4, Attachment A) 2.1 MB
Financial Services Council (FSC) (Chapter 4, Attachment B) 865 KB
Financial Services Council (FSC) (Chapter 4, Attachment C) 381 KB
Financial Services Council (FSC) (Chapter 4, Attachment D) 654 KB
Financial Services Institute of Australasia 516 KB 175 KB
Fleet, Ray 9 KB
Fleming, Donna 186 KB
flongle 97 KB
Flory, Paul 420 KB 78 KB
Foresters Community Finance 340 KB 1.6 MB
Fraser, the Right Honourable Malcolm 763 KB
Friendly Societies of Australia 150 KB
Gapes, Gordon 10 KB 33 KB
Genworth 399 KB
Genworth (Attachment) 1.4 MB
Gerrish, Robert 8 KB 33 KB
Good Shepherd Microfinance 828 KB
Graham, the Honourable Peter QC 178 KB 40 KB
Graham, the Honourable Peter QC (Supplementary Submission) 35 KB
Grenfell, Colin 403 KB 92 KB
Group of 100 101 KB
Halstead, Brian 8 KB 29 KB
Hand, Graham 227 KB 2.6 MB
Hansman, AP 9 KB 32 KB
Harvey, Mr & Mrs L 97 KB
Herbert, Greg 243 KB
Herbert, Greg (Attachment) 311 KB
Herbert Smith Freehills (ASIC Funding) 643 KB
Herbert Smith Freehills (Costs in Superannuation) 1.1 MB
Herbert Smith Freehills (Facilitative Regulation) 659 KB
Herman, Paul 92 KB
Hoffman, Peter 161 KB
Hogan, Greg 470 KB 186 KB
Hogan, Greg (Attachment) 87 KB
Holiday Coast Credit Union 439 KB 638 KB
Homesafe Solutions 158 KB
Housing Industry Association (HIA) 348 KB
Howarth, James 92 KB
Hu, Ling-chia and Lyons, Mark 314 KB
Hydrargyros Pty Ltd 474 KB 1.8 MB
Hydrargyros Pty Ltd (Attachment A) 1.1 MB
Hydrargyros Pty Ltd (Attachment B) 238 KB
Hydrargyros Pty Ltd (Attachment C) 114 KB
Hydrargyros Pty Ltd (Attachment D) 114 KB
IFM Investors 5.2 MB
Impact Investing Australia 880 KB 101 KB
Impact Investment Group 547 KB
Income is the Goal 311 KB 208 KB
Independent Fund Administrators & Advisers (IFAA) 492 KB 1.7 MB
Industry Group, The 902 KB
Infrastructure Australia 312 KB
ING Bank Australia 62 KB
Innovation Australia 777 KB
Insurance Australia Group (IAG) 864 KB
Insurance Council of Australia 286 KB
Insurance Council of Australia (Supplementary Submission) 210 KB
International Swaps and Derivatives Association (ISDA) 245 KB
Ivanov, George 82 KB
Jacobs, Richard and Jacqueline 326 KB 71 KB
Jones, Evan 127 KB 105 KB
Jordan, David 317 KB
Jordan, Tom 20 KB
K&L Gates 764 KB
Karg, Frank 72 KB
Kavanagh, Bryan 324 KB 110 KB
Kavanagh, Bryan (Attachment A) 574 KB
Kay, Jacqueline 95 KB 32 KB
Kean, Michael 483 KB 109 KB
Keenan, Peter 156 KB 103 KB
Kelly, Bernard 11 KB 34 KB
Kelly, Bernard (Attachment A) 36 KB
Kelly, Gilbert 78 KB
Kelmar, John 306 KB 83 KB
King & Wood Mallesons 601 KB 217 KB
Kingsford Smith, Dimity 549 KB
KordaMentha 73 KB
KordaMentha (Attachment A) 98 KB
KordaMentha (Attachment B) 74 KB
KPMG 1.2 MB
Lange, Jonathan 73 KB 33 KB
Latimer, Paul 632 KB 353 KB
Law Council of Australia (Business Law Section) 578 KB
Law Council of Australia (Business Law Section) (Attachment) 678 KB
Law Council of Australia (Superannuation Committee, Legal Practice Section) 247 KB
LCH.Clearnet 205 KB 5 MB
Legal Aid NSW 561 KB
Lekakis, G, Rogers, I and Manning, P 75 KB 87 KB
Lewis, Kevin 225 KB 86 KB
Lewis, Kevin (Attachment) 600 KB 937 KB
LM Investor Victim Centre (LMIVC) 122 KB 110 KB
Lock, Diane & Max 98 KB 33 KB
Lock, Diane & Max (Supplementary Submission) 212 KB
LokalITy Pty Ltd 44 KB
Lyell, Charles 133 KB
Lynch, Troy 163 KB
Macdonald, Diana 238 KB
Mackenzie, Alan 97 KB 41 KB
Macquarie Group 283 KB
Maddock, Rodney 305 KB 46 KB
Mair, Peter 410 KB 152 KB
Marks, David 70 KB
Marks, David (Attachment A) 343 KB
Marx, Tony 10 KB 35 KB
Master Builders Australia 272 KB 2.8 MB
Master Grocers' Australia 270 KB
MasterCard 8.6 MB
MasterCard (Attachment A) 4 MB
Mathews, Rose 212 KB
Maurice Blackburn Lawyers 146 KB 1.5 MB
McAuley, JP 154 KB
McAvoy, John 95 KB 35 KB
McCahon, Dale 13 KB 38 KB
McDermott, Chris 10 KB
McDonald, Danielle 93 KB 32 KB
McGing Advisory & Actuarial 192 KB 825 KB
McGrathNicol 674 KB
McKay, Ralph 32 KB
McQueen, Colin 189 KB 42 KB
ME Bank 146 KB
Medibank 161 KB
Mercer 404 KB 234 KB
Microsoft 352 KB 976 KB
Microsoft (Attachment) 331 KB 832 KB
Milborrow, John 9 KB
Minter Ellison 1.2 MB
Mollison, Charles 156 KB 37 KB
Money Farms 610 KB 226 KB
Morgij Analytics (Submission 1) 1.2 MB 1.5 MB
Morgij Analytics (Submission 2) 427 KB 685 KB
Morningstar 264 KB
Mortgage and Finance Association of Australia (MFAA) 308 KB
Motive Power 237 KB
Mowe, Jeremy 250 KB 101 KB
Submissions listed alphabetically N-Z

Document name PDF DOC/RTF
NAB 623 KB
Name Withheld 982 KB
Name Withheld 624 KB 363 KB
Name Withheld 12 KB 37 KB
Name Withheld 110 KB
Name Withheld 366 KB
Narrow Road Capitial 489 KB
National Information Centre on Retirement Investments Inc (NICRI) 661 KB 244 KB
National Insurance Brokers Association of Australia 128 KB
National Insurance Brokers Association of Australia (Supplementary Submission) 538 KB 216 KB
National Seniors Australia 1.3 MB
Neave, Barbara 233 KB
New Zealand Council of Financial Regulators 1 MB
Newcombe, Ray 1.2 MB
NSW Small Business Commissioner 2 MB
Nolan, Pauline 204 KB 58 KB
O'Brien, Benjamin 92 KB
O'Brien, John 311 KB 86 KB
O'Brien, Justin and Gilligan, George 330 KB 253 KB
O'Brien, Timothy 92 KB
Office of the Australian Information Commissioner 621 KB 7 MB
Olimpio, Domenic 185 KB
P&N Bank 226 KB
Paradisis Family Group, The 97 KB
PayPal 1 MB
Penberthy, Paul 94 KB 32 KB
Pensions Institute (London) 1.5 MB
Pensions Institute (London) (Attachment A) 475 KB
Pensions Institute (London) (Attachment B) 333 KB
PEXA 738 KB
Philanthropy Australia 474 KB
PlayfairTan 304 KB 2.6 MB
Pohl, Nerida 105 KB 36 KB
Polymath Investors Proprietary Limited 332 KB
Power, Colin 195 KB
Priestly, Claire 2.8 MB
Priestly, Claire (Attachment A) 4.4 MB
Priestly, Claire (Attachment B) 1.2 MB
Priestly, Claire (Attachment C) 1.5 MB
Property Council of Australia 348 KB
Property Funds Association 218 KB 1.3 MB
Provic Group Inc 463 KB
Providence Wealth Advisory Group 85 KB 33 KB
QBE 549 KB
QIC Limited 994 KB 353 KB
QSuper 859 KB
Rainmaker Information 966 KB
Rayner, Frank 205 KB 42 KB
Real Estate Institute of Australia 241 KB 1.5 MB
Regional Banks
(on behalf of BoQ, Bendigo and Adelaide Bank, ME Bank and Suncorp Bank)
769 KB
Regional Policy Advisory Committee 112 KB
Research Australia 869 KB 323 KB
Reserve Bank of Australia (RBA) 318 KB
REST Industry Super 351 KB 459 KB
Rice Warner 961 KB
Ritchies Stores 123 KB 113 KB
Rollond, Ken 99 KB 32 KB
Roysland, Peter 254 KB
Rumble, Dr Tony 342 KB
Rumble, Dr Tony (Attachment) 702 KB
Runcie, Neil 144 KB 50 KB
Sambastian, Pierre 235 KB 43 KB
Scalzi, Robert 4 KB
Schlusser, William 102 KB 46 KB
Schmulow, Andy 191 KB 199 KB
Schroder Investment Management Australia Limited 811 KB
Schroder Investment Management Australia Limited (Attachment) 631 KB
Seed, Jeff 84 KB
Shus, Ed 31 KB 33 KB
Siebert, Lisa 143 KB
Simkiss, John 216 KB 68 KB
Simpson, Campbell (Submission 1) 268 KB 818 KB
Simpson, Campbell (Submission 2) 104 KB 37 KB
Smith, Derek 146 KB 78 KB
Smith, Luke 96 KB
Smith, Russell 100 KB 33 KB
SMSF Owners' Alliance (SMSFOA) 534 KB 1 MB
SMSF Professionals Association of Australia (SPAA) 922 KB
Social Enterprise Finance Australia Ltd (SEFA) 571 KB 2.2 MB
Solaiman, Sheikh 2 MB
Spain, David 329 KB 231 KB
Spijer, Daan 48 KB 3.5 MB
Spyker, Len 34 KB
St George Community Housing Limited (SGCH) 452 KB
Standard & Poor's 427 KB 212 KB
Standard & Poor's (Attachment A) 369 KB
Standard & Poor's (Attachment B) 318 KB
Standard & Poor's (Attachment C) 394 KB
Standard & Poor's (Attachment D) 282 KB
Standard & Poor's (Attachment E) 290 KB
Standard & Poor's (Attachment F) 921 KB
Standard & Poor's (Attachment G) 492 KB
Standard & Poor's (Attachment H) 842 KB
Standard & Poor's (Attachment I) 448 KB
Standard & Poor's (Attachment J) 294 KB
Standard & Poor's (Attachment K) 366 KB
Standard & Poor's (Attachment L) 351 KB
Standard & Poor's (Attachment M) 488 KB
Standard & Poor's (Attachment N) 300 KB
Standard & Poor's (Attachment O) 407 KB
Standard & Poor's (Attachment P) 392 KB
Standard & Poor's (Attachment Q) 448 KB
Standard & Poor's (Attachment R) 434 KB
Standard & Poor's (Attachment S) 287 KB
Standard & Poor's (Attachment T) 501 KB
Stockbrokers Association of Australia 502 KB
Stott, Chris 9 KB
Strategies Plus 182 KB
Styles, Carol 85 KB 33 KB
Styles, Carol (Attachment) 862 KB
Styles, Wayne 85 KB 34 KB
Styles, Wayne (Attachment) 862 KB
Suncorp Bank 381 KB
Suncorp General Insurance 852 KB
Suncorp Life 120 KB
Super Innovations 167 KB 215 KB
Superannuation Consumers Centre 867 KB
Superannuation Consumers Centre (Supplementary Submission) 479 KB
SuperEd 305 KB 914 KB
SuperGuardian/Xpress Super 306 KB 625 KB
SuperRatings 844 KB
Supported Residents & Carers Action Group Inc 2.2 MB
Swiggs, David 94 KB 59 KB
Synchron 1.1 MB
TAL Dai-chi Life Australia Pty Limited 1.1 MB
Tasmanian Small Business Council 141 KB 623 KB
Tasmanian Small Business Council (Attachment) 281 KB 2.5 MB
Taxpayers Party, The 67 KB 47 KB
Telford, John 92 KB
Triple W Farms Pty Ltd 91 KB 39 KB
Trouncer, Jody 209 KB
Turnaround Management Association of Australia Ltd 301 KB
Turnaround Management Association of Australia Ltd (Attachmnent) 40 KB
Tyro Payments 123 KB
UniSuper Management Pty Ltd 788 KB
UniSuper Management Pty Ltd (Attachment) 3.8 MB
Veda 393 KB 3.6 MB
Venkatramani, Ramani 361 KB 145 KB
VentureCrowd 213 KB
Victorian Teachers Mutual Bank 1.2 MB
VISA 580 KB
VISA (Attachment) 566 KB
Vogel, Luke 185 KB
Walters, Eric 559 KB 101 KB
West, Matthew 215 KB 74 KB
Westpac 2.7 MB
Wheeler, Bill 415 KB
White Label Personal Clouds (Submission 1) 15 KB 51 KB
White Label Personal Clouds (Submission 2) 86 KB 70 KB
White Label Personal Clouds (Submission 3) 71 KB 63 KB
White Label Personal Clouds (Submission 4) 11 KB 48 KB
White Label Personal Clouds (Submission 5) 53 KB 152 KB
White, Patricia 201 KB
Whitelaw, Wilma 85 KB 33 KB
Wilde, Milton (Submission 1) 11 KB
Wilde, Milton (Submission 2) 11 KB
Williams, Barry 340 KB 198 KB
Williams, Paul 527 KB 100 KB
Wilson Asset Management 651 KB
Wiltshire, Diana 91 KB
Woldt, Lee 93 KB
Yabsley, Bob 227 KB 59 KB
Yong, Leonard 81 KB 93 KB
YPINH National Alliance 2.4 MB