First round submissions

The Financial System Inquiry has received over 280 submissions in response to initial consultation on the issues set out in the inquiry's terms of reference.

Submissions received up until 2 May 2014 can be found below, listed alphabetically by stakeholder.

Note: Confidential submissions have not been published.

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 RTF
Actuaries Institute 67 KB
Actuaries Institute (attachment) 5.58 MB
AFMA (cover letter) 79 KB
AFMA 2.04 MB
Allianz (cover letter) 326 KB
Allianz 350 KB
American Express 1.12 MB
AMP 1.20 MB
ANZ 1.06 MB
ARITA 34 KB
ASFA 1.49 MB
Assetsecure 294 KB
Association of Financial Advisers 193 KB 379 KB
Association of Independently Owned Financial Professionals 1.6 MB
Association of Mining and Exploration Companies 1.79 MB
ASX 600 KB
AT Kearney 2.49 MB
Atchison Consultants 238 KB 313 KB
Aussie 9.79 KB
Australia Post 89 KB
Australia Ratings 624 KB
Australian Bankers Association 2.13 MB
Australian Bankers Association (additional submission) 5.77 MB
Australian Catholic Bishops Conference 1.33 MB
Australian Centre for Financial Studies 2.93 MB
Australian Centre for Financial Studies (additional submission) 2.94 MB
Australian Centre for Financial Studies (additional submission) 1.93 MB
Australian Centre for Financial Studies (additional submission) 661 KB
Australian Centre for Financial Studies (additional submission) 350 KB
Australian Industry Group 868 KB
Australian Institute of Company Directors 3.23 MB
Australian Institute of Superannuation Trustees 629 KB
Australian Payments Clearing Association 707 KB
Australian Private Equity & Venture Capital Association Limited 667 KB
Australian Private Equity & Venture Capital Association Limited (additional submission) 310 KB
Australian Prudential Regulation Authority 1.01 MB
Australian Retail Credit Association 1.25 MB
Australian Retailers Association 348 KB
Australian Securities and Investment Commission 1.96 MB
Australian Securitisation Forum 618 KB
Australian Settlements Limited 262 KB
Australian Shareholder’s Association 532 KB
Baker, Bruce 211 KB
Baker, Carl 146 KB 359 KB
Bank of Queensland 229 KB 10 MB
Banki Haddock Fiora 132 KB
Bankmecu 451 KB
Barry, Robert 113 KB 34 KB
Bendigo and Adelaide Bank (part one) 1.13 MB
Bendigo and Adelaide Bank (part two) 3.12 MB
Bergwald, Andrew 113 KB 40 KB
Bird, David 81 KB 42 KB
Brotherhood of St Laurence 175 KB
Brown, Robert 198 KB 72 KB
Burrell Stockbroking 131 KB
Business Council of Australia 1.00MB
Business Council of Co-operatives and Mutuals 576 KB
Byford, Martin (cover letter) 46 KB
Byford, Martin (submission) 85 KB
CapMx Pty Ltd 110 KB
Carter Newell Lawyers 187 KB
Cawley, Adam 55 KB 88 KB
Centre for Policy Development 313 KB
CEPAR 331 KB
CFA Societies Australia 792 KB
Challenger 407 KB
Challenger (attachment 1) 126 KB
Challenger (attachment 2) 755 KB
Challenger (attachment 3) 236 KB
Challenger (attachment 4) 1.93 MB
Challenger (attachment 5) 6.21 MB
Challenger (attachment 6) 98 KB
Challenger (attachment 7) 197 KB
Challenger (attachment 8) 328 KB
Challenger (attachment 9) 1.01 MB
Challenger (attachment 10) 1.51 MB
Challenger (attachment 11) 1.67 MB
Challenger (attachment 12) 353 KB
Challenger (attachment 13) 1.35 MB
Challenger (attachment 14) 2.53 MB
CHAMP Private Equity 0.98MB
CHAMP Private Equity (attachment) 448KB
Chan & Naylor 216 KB
Chapman Tripp 178 KB 1.6 MB
Chi-X Australia 474 KB
CHOICE 985 KB
Cisco Systems Australia 209 KB
Cisco Systems Australia (additional submission) 328 KB
Citizens Electoral Council of Australia 319 KB
Citizens Electoral Council of Australia (attachment) 5.48 MB
Coates, Doug 96 KB 33 KB
Cohen, Roger 409 KB
Coles 575 KB
Coles (attachment) 444 KB 10 MB
Commercial Asset Finance Brokers Association of Australia Limited 161 KB
Commonwealth Bank 7.09 MB
Community Council for Australia 640 KB
Compare the Market 171 KB 69 KB
Consumer Action Law Centre 528 KB
Consumer Credit Legal Centre (NSW) 380 KB
COTA 251KB 749KB
Council of Small Business Australia 190 KB
Council of Small Business Australia (attachment) 844 KB
CPA Australia 1.59 MB
Credit Ombudsman Services Limited 291 KB
CSIRO Monash Superannuation Cluster 1.25 MB
CSR Limited 143 KB
CUA 952 KB
Cullen Capital 209 KB 83 KB
Cuscal 305 KB
Customer Owned Banking Association 3.21 MB
Submissions listed alphabetically D-M

Document name PDF RTF
de Tarle, Benoit 73 KB 72 KB
Digital Finance Analytics 3.92 MB
Dimensional Fund Advisors 4.03 MB 685KB
Doe, Vince 95 KB 32 KB
eftpos Australia 1.78 MB
Elite Wealth Solutions 563 KB
Export Finance and Insurance Corporation 460 KB
Ferraro, Salvatore 545 KB
Fiduciarys Friend Pty Ltd 262 KB
Finance Brokers Association of Australia 181 KB
Financial Literacy Australia 2.31 MB
Financial Literacy Board 421 KB
Financial Ombudsman Service 94KB
Financial Ombudsman Service (attachment) 622KB
Financial Planning Association of Australia 569 KB
Financial Services Council (FSC) - AATA report 845KB
Financial Services Council (FSC) – Chapter 1 – Superannuation 1.00MB
Financial Services Council (FSC) – Chapter 2 – Capital Markets Report 712MB
Financial Services Council (FSC) – Chapter 2, appendix 1 4.77MB
Financial Services Council (FSC) – Chapter 3 1.28MB
Financial Services Council (FSC) – Chapter 4 – Federal Budget Sustainability 1.45MB
Financial Services Council (FSC) – Chapter 4, appendix 1 533MB
Financial Services Council (FSC) – Chapter 4, appendix 2 1.25MB
Financial Services Council (FSC) – Chapter 4, appendix 3 701MB
Financial Services Council (FSC) – Chapter 5 1.40MB
Financial Services Council (FSC) – EY Report 1.04MB
Financial Services Institute of Australasia 437 KB
Financial Services Institute of Australasia (appendix 1) 856 KB
Financial Services Institute of Australasia (appendix 2) 2.32 MB
Financial Services Institute of Australasia (appendix 3) 1.23 MB
Firstmac 66 KB
Fowler, E M 353 KB
Franklin, Craig 137 KB
Friendly Societies of Australia 134 KB
Friendly Societies of Australia (additional submission) 2.08 MB
FSU Australia 1.88 KB
Good Shepherd Microfinance and Good Shepherd Youth and Family Services 0.98 MB
Governance Institute of Australia 170 KB
Gray,Jack 342 KB 89 KB
GreySpark Partners 182 KB
Harkness, Leigh 560 KB
Herbert, Greg 212 KB 98 KB
Herbert, Greg (attachment) 426 KB
HIA 579 KB
HSBC 26 KB
Hume, Lyn 109 KB 40 KB
ICI Global 367 KB
Impact Investing Australia (part one) 1.2 MB
Impact Investing Australia (part two) 2.35 MB
Industry Super Australia 9.04 MB
Infrastructure Australia 311 KB
Infrastructure Australia (additional submission) 837 KB
ING Direct 211 KB 1.14MB
Innovation Australia 92 KB
Institute of Chartered Accountants Australia 518 KB
Institute of Public Accountants 969 KB 1.6 MB
Insurance Australia Group (IAG) 1.4 MB
Insurance Council of Australia 393 KB
International Stock Exchange Executives Emeriti (ISEEE) 273 KB 133 KB
ISDA 198 KB
Jacobs, Alan 60KB
Jones, Ian 482 KB
Johnston, Adam 72KB
Johnston, Adam (appendix 1) 356KB
Johnson, Mark 78 KB
K&L Gates 40KB
Kajlich, Anti 21 KB 186 KB
KCG Australia 426 KB
King & Wood Mallesons 321 KB
King, Yasmin 134 KB 52 KB
Kingsford Smith, Dimity 449KB
Kourouche, Hind 207 KB 110 KB
KPMG 566 KB
KS Nathan 268 KB
Law Council of Australia 125 KB
LCH.Clearnet 191 KB
Legal Aid NSW 1.04 MB
Leslie, Kenneth 97 KB
LIXI Ltd 65 KB 816 KB
Lynch, Troy 161 KB 195 KB
Macfarlane, Ian 279 KB 87 KB
Mackay, Anthony (Max) 233 KB 1.61 MB
Mackinnon, Ronald 134 KB
Macquarie Group 555 KB
Maddock, Rodney 683 KB
Mair, Peter 358 KB 347 KB
Mair, Peter (second submission) 5576 KB 233 KB
Mair, Peter (third submission) 219KB 71KB
Marx, Tony 11 MB 40 KB
Master Builders Australia 302 KB
MasterCard 2.06 MB
Maxwell, Ian 348 KB
McAuley, John 293 KB
McNeil, Peter 95 KB 34 KB
McQueen, Colin 195 KB 57 KB
ME Bank 62 KB
Menzies, Gordon (with Bruce Chapman) 295 KB 3.45 MB
Menzies, Gordon (with R Bird and P Dixon) 170 KB 74 KB
Mercer 490 KB
Mercer (attachment) 4.30 MB
Mercer (attachment) 84 KB
Mercer (attachment) 1.03 MB
Mills, Alan 152 KB
Minister for Small Business 291KB
Minter Ellison 867 KB
Moloney, David 229 KB 100 KB
Morgij Analytics 543 KB
Morgij Analytics (additional submission) 460KB
Morrow, Bryan 153 KB
Mortgage and Finance Association of Australia 584 KB 1.19 MB
Submissions listed alphabetically N-Z

Document name PDF RTF
NAB 2.47 MB
Name withheld 266 KB
Narrow Road Capital 395 KB
National Financial Services Federation 449 KB 4.15 MB
National Insurance Brokers Association of Australia 484 KB
National Insurance Brokers Association of Australia (additional submission) 331 KB
National Seniors Australia 1.35 MB
Neave, Barbara 118 KB 32 KB
Nehme, Marina and Chioatto, Ulysses 481 KB 257 KB
Nugent, Des 210 KB
NSW Business Chamber 561 KB
NSW Business Chamber (attachment) 3.72 MB
NSW Government 362 KB
O’Brien, John 175 KB 48 KB
O’Brien, Justin and Gilligan, George 326 KB
Oxfam 120 KB
P&N Bank 1.31 MB
Pascuzzo, Patricia 303 KB 419 KB
PayPal 397 KB
Peterson, John 129 KB
Piper, William 113 KB 34 KB
Property Council of Australia 955 KB
Property Funds Association of Australia 191 KB 3.56 MB
Prudames, Geoff and Ann 101 KB 38 KB
PWC Australia 1.21 KB
QBE 929 KB
QBE Lenders’ Mortgage Insurance 213 KB
Quinn, Jim 132 KB 52 KB
Raftery, Adrian 6.61MB
Ratesetter 142 KB
Rayner, Frank 187 KB 52 KB
Redfern Legal Centre 1.68 MB
Regional Banks submission (on behalf of BoQ, Bendigo and Adelaide Bank,ME Bank and Suncorp Bank) 2.85MB
Regnan Governance Research and Engagement 447 KB 2.05 MB
Renton, Nigel 42 KB
Reserve Bank of Australia 2.96 MB
RMIT 110 KB
Roberts, Oliver 11 KB 35 KB
Schlusser, William 97 KB 35 KB
Singh, Supriya 5.19 MB
SIRCA Limited 77 KB
Smith, Sophee 101 KB
Smith, Sophee (additional submission) 33 KB
SMSF Owners’ Alliance 528 KB
SMSF Professionals’ Association of Australia 399 KB
Social Ventures Australia 420 KB
SocietyOne 627 KB
Sommerville, Tim 374 KB
Standard & Poor’s 77 KB
Steen, Adam 383 KB 83 KB
Stockbrokers Association of Australia 296 KB
Suncorp Bank 1.53 MB
Suncorp General Insurance 1.78 MB
Suncorp Life 3.17 MB
Superannuation Consumers’ Centre 1.77 MB
Superannuation Consumers’ Centre (appendix) 997 KB
Swan, Peter 105 KB
Swan, Peter (additional submission) 494 KB
Swan, Peter (additional submission) 788 KB
Switzer Financial Group 733 KB
TAL Dai-ichi Life Australia 912 KB
The Australia Institute 827 KB
The Treasury 1.05MB
Turnbull, Robert 439 KB 300 KB
Turnbull, Shann (part one) 110 KB
Turnbull, Shann (part two) 418 KB
Turnbull, Shann (part three) 310 KB
Turnbull, Shann (part four) 594 KB
Tyro Payments Ltd 109 KB
UniSuper 3.57 MB
University of Melbourne 214 KB
Veritec Solutions 562 KB
VFT 2 Project 1.53 MB
VFT 2 Project (additional submission) 116 KB
VISA (part one) 1.08 MB
VISA (part two) 572 KB
Westpac 8.73 MB
White, Glenn 76 KB 41 KB
Wide Bay Australia Ltd 195 KB
Wilson Asset Management 1.52 MB
Yellow Brick Road 319 KB
Yellow Brick Road (additional submission) 580 KB