Appendix 4: Consultation

Approach to the Inquiry

The Inquiry has taken a consultative approach to its task.

The Committee invited public submissions by 31 March, based on the terms of reference. The Inquiry received more than 280 submissions as part of this process.

The Inquiry invited a second round of submissions in response to the Interim Report, released on 15 July 2014, which made 28 observations and posed a series of questions seeking further information from stakeholders. The Inquiry received more than 6,500 submissions as part of this process.

In addition to formal submissions, Committee members have held bilateral meetings, roundtables and public forums in Australia over the course of the Inquiry. The Committee also met with the International Panel and undertook two international trips to meet with international regulators and financial intermediaries.

Consultation

Committee and Panel meetings

Public Forums

Roundtables

Speeches

Note: These speeches are available on the Financial System Inquiry website.

Stakeholder meetings

The Inquiry also participated in several hundred meetings with stakeholders. The table below summarises the stakeholder meetings attended by Committee members. It does not include the numerous stakeholder meetings conducted by the Secretariat.

Meetings in Australia

International Trips

Submissions to the Inquiry

First round submissions (lodged up until 2 May 2014) are available on the Financial System Inquiry website, except where authors requested confidentiality. A list of people and organisations that made non- confidential submissions is available at Appendix 3 of the Financial System Inquiry Interim Report.

The second round of submissions closed on 26 August 2014. Of the more than 6,500 submissions the Inquiry received in response to the issues set out in the Interim Report, more than 5,000 campaign submissions were received on the issue of ‘credit card surcharges’ — these are not listed below. Second round submissions are also available on the Inquiry’s website.

Analysis of submissions

Chart 8: Second round submitters to the Inquiry shows the composition of parties that made second round submissions to the Inquiry.

Chart 8: Second round submitters to the Inquiry

Source: Centre for International Financial Regulation. Excludes campaigns such as credit card surcharges and too-big-to-fail. Also excludes appendices, attachments, supplementary materials and confidential submissions.

Chart 9 (page 289) shows the frequency that Interim Report observations were raised in second round submissions.

Chart 10 (page 290) shows the three observations that each category of stakeholder raised most frequently in the second round of submissions. The darker shade represents a heavier focus on that observation.

Chart 9: Frequency that Interim Report observations were raised in second round submissions

View image enlarged

Source: Centre for International Financial Regulation and Centre for Law, Markets and Regulation. Excludes campaigns such as credit card surcharges and too-big-to-fail. Also excludes confidential appendices, attachments, supplementary materials confidential submissions.

Chart 10: Top 3 observations in second round submissions from each category of stakeholder

View image enlarged

List of submitters

The following people and organisations made non-confidential second round submissions. The Interim Report lists the people and organisations that made non-confidential first round submissions.

• ACTU
• Aarsten, Xavier
• Aceti
• Actuaries Institute
• Adams, G
• Adams, Helen
• Adams, Nora
• Adams, Thomas
• Adams, W
• Adkins, John
• Aebi, Bruno
• Ainslie, Frank
• Aldridge, Les
• Alfonso, Alfredo
• Alford, M & J
• Alifrangis, Philip
• Allens Linklater
• Allianz
• Allison, Anthony
• American Express
• AMP
• Anderson, R
• Anfruns, Michael
• ANZ
• ANZ and the Consumer Action Law Centre
• Apps, Terry
• Apswoude, David
• Arnhem Investment Management
• Arnold, James
• Ashby, Damien
• Ashby, Leon
• Asia Pacific Stock Exchange Limited
• Association of Financial Advisers (AFA)
• Association of Superannuation Funds Australia (ASFA)
• ASX Ltd
• Atchison Consultants
• Atkinson, Graham
• Atkinson, Pamela
• Atkinson, Thomas
• Attiwill, Ian
• Aussie
• AUSTRAC
• Australian APEC Study Centre
• Australian Bankers' Association (ABA)
• Australian Business Register (ABR)
• Australian Centre for Financial Studies (ACFS)
• Australian Council of Social Service (ACOSS)
• Australian Council of Superannuation Investors (ACSI)
• Australian Digital Currency Commerce Association
• Australian Finance Group
• Australian Financial Markets Association
• Australian Financial Security Authority (AFSA)
• Australian Foundation Investment Company
• Australian Industry Group
• Australian Institute of Company Directors
• Australian Institute of Superannuation Trustees (AIST)
• Australian Listed Investment Companies Association
• Australian Newsagents' Federation Ltd
• Australian Payments Clearing Association (APCA)
• Australian Private Equity & Venture Capital Association
• Australian Prudential Regulation Authority (APRA)
• Australian Restructuring Insolvency & Turnaround Association (ARITA)
• Australian Retailers' Association
• Australian Securities and Investments Commission (ASIC)
• Australian Securitisation Forum
• Australian Shareholders Association
• Australian Super
• Ayling, Michael
• Back, Deborah
• Badcock, Paul
• Baddeley, Margaret
• Bain, John
• Baines, Ron
• Baker & McKenzie
• Baker, Bruce
• Baker, Caroline
• Baker, Lynn
• Baker, Ross
• Ballistic Eng
• Bamfield, Michael
• Bank Doctor, The
• Bank Reform Now
• Banki Haddock Fiora
• Banking and Finance Consumer Support Association
• Bankmecu
• Bardon, Richard
• Barlow, Rita
• Barry, Annie
• Barry, Ernie
• Barry, Michael
• Bartlett, Donald
• Bartlett, Gerald
• Barton Consultancy
• Bartosch, Klaus
• Bartron, Clive
• Barwick, Elisa
• Bateman, Alan & Claire
• Bauer, David
• Baum, RL
• Beaton, Ashley
• Beck, Cameron
• Beck, Jeremy
• Beecroft, Theresa
• Bell, Peter
• Belmont Business Enterprise Centre
• Belonogff, Michael
• Bernal, Ivo
• Best, Kris
• Biddulph, Noel
• Bingley, Rhys
• Bird, Steve
• Blacktown City Council
• Blake, Jason
• Blake, Stephen
• Blasen, Christian
• Block, Milton
• Boardman, Warwick
• Bodey, James
• Bone, David
• Bonham, James
• Booby, Maxine
• Booth, Don
• Bourke, Bernie
• Bourne, Duncan
• Bourne, Glenyss
• Boutique Financial Planners
• Bower, D
• Boxall, Malcolm
• Boyd, Alisa
• Boyd, Keith
• BPAY
• Bradford, Don
• Bradford, Kael
• Brandson, Peter
• Breckenridge, Alistair
• Breustedt, Francis
• Breward, Alun
• Britten, Jamie
• Britten, RJ
• Broadbent, Betty
• Broadbent, Henry
• Broadbent, Keith
• Broadridge Financial Solutions
• Broff, Roy
• Brooks, Jason
• Brotherhood of St Laurence
• Brown, Gregory
• Brown, Neville
• Brown, Peter
• Brown, Robert
• Brownlie, Peter
• Bruce Mulvaney & Co
• Buckland, Dianne & Ray
• Buckley, Ross and Ooi, Ken
• Bunning, Scott
• Burgess, Steven
• Burke, AJ
• Burnett, Geoffrey
• Burro, Guido
• Business Council of Australia
• Bussenscheet, Val
• Busuttil, Paul
• Butler, Greg
• Butler, Robert
• Button, Jennifer
• Byrne, Richard
• Caiani & Company
• Campbell, A
• Campbell, Bruce
• Campbell, John
• Campbell, Sandy
• Campbell, Trudy
• Campbell, W
• Cantarella, John
• Capone, Malcolm
• Carnegie, Les
• Carnellor, Amanda
• Carter, John
• Carters
• Cash, Brett
• Cash, Clinton
• Cash, Glennis
• Cash, Nathan
• Catrevena
• Cavendish Superannuation
• Centre for Commercial and Property Law — Queensland University of Technology
• Centre for Digital Business
• Centre for International Finance and Regulation (CIFR)
• Centre of Excellence in Population Ageing Research (CEPAR)
• CFA Societies Australia
• Challenger
• Chamber of Commerce and Industry Queensland
• Chan & Naylor
• Chant West
• Chapman, Graeme
• Chapman, Janet and David
• Chapman, Peter
• Chartered Accountants Australia and New Zealand
• Chatzitaskas, Nick
• Cheever, Paul
• Chegwyn, John
• Chessell, Leo
• Chin, Debbie
• Chi-X Australia Pty Ltd
• Chizhov, Mikhail
• Chizhova, Tatyana
• CHOICE
• Christensen, Kay
• Chung, Lisa
• Citizen Freeman Pty Ltd
• Citizens Electoral Council
• Clanchy, Michael
• Clarity Advisory and Training Solutions Pty Ltd
• Clark, Allan
• Clark, Ian
• Clark, Judith
• Clarke, Elizabeth
• Clarke, Frank
• Clarke, Terry
• Clayton Utz
• Clifford, Richard
• Clyde, Barry
• Coburn, Niall
• Coles
• Collingwood, Bevan
• Combined Pensioners and Superannuants Association of NSW Inc (CPSA)
• Comiskey, D
• Commercial Asset Finance Brokers Association of Australia (CAFBA)
• Commins, Darren
• Committee for Sydney
• Commonwealth Bank
• Concannon, Edward
• Conners, Robert
• Connors, Ron
• Consumer Action Law Centre
• Convenience and Mixed Business Association (CAMBA)
• Cooke, Heather
• Cooke, Lynda
• Cooper, J
• Copas, Murray
• Corbin, Michael
• Corin Jacka Financial Solutions
• Cornell, Geoff
• Corporate Superannuation Association
• Cosgrove, Lindsay
• COTA
• Cotter, Patrick
• Cotterell, Lilias
• Cottrell, M
• Coué, PL
• Council of Small Business Australia (COSBOA)
• Council of Social Service of NSW (NCOSS)
• Cousins, Paul
• Cowling, Nan
• CPA Australia
• Crerar, Amanda
• Cross, Phillip
• Crossing, Margot
• Crowder, Colleen
• Crowe, Mary
• Crowther, Charles
• Crowther, Sonya
• CSR Limited
• CUA
• Cullen, Jill
• Cullen, Patrick
• Cullen, WB
• Culling, Nick
• Culverwell, John
• Cummings, Trevor
• Curtis, Bob
• Customer Owned Banking Association (COBA)
• Cuticone, Vince
• CV Solutions
• Czajka, Micahel
• Dagger, William
• Dahlsen, John
• Dale, Bernard
• Dalug, John
• Daly, Gary
• Daniels, Ian
• Davey, Danielle
• Davey, Shaun
• Davies, Matthew
• Davies, Rodney
• Davis, Lindsay
• Davis, Peter
• Davis, Stephen
• Davy, Jeffrey
• Daw, John
• Dawborn, Anne
• de la Motte, Rolfe
• Dean, Geoffrey
• Della Gatta, Norma
• Deloitte
• Deloli, Kent
• Denise, Michelle
• Desreaux, Barry
• Detjen, Henry
• Dewis, David
• Dibbs Barker
• Dickson, Gillian
• Dignam, Adrian
• Dilley, Allen
• Dillon, Craig
• Dimensional
• Dixon Advisory
• Djerriwarrh Investments Limited
• Doherty, William
• DomaCom
• Donaldson, Bill
• Donaldson, David
• Dooley, Clint
• Downey, Tony
• Downham, M
• Drake, Tony
• Dudley, Berice
• Dunn, Gavin
• Dziadosz, Lucas
• East, Deb
• Eberle, R & D
• Economic Reform Australia
• Edam, N
• Edmunds, Roy
• Edstein, John
• Edwards, Dale
• Edwards, Josie
• Edwards, Peter
• Edwards, Thelma
• Edwards, Walter
• Eedy, Peter
• eftpos
• Eggins, Christine
• Eldridge, Janice
• Eley, Steven
• Elliott, Elizabeth
• Ellis, Shane
• Empirical Capital
• Equip
• Erikson, Peter
• Erskine, Alex
• Eva, Keith & Gail
• Evans, Stacie
• EY
• Fadden, Vicki
• Faddoul, Charles
• Fallon, Frances
• Farraher, P
• Farrington, G
• Feltham, Gregory
• Fernandes, Pearl
• Ferrall, David
• Ferriday, D
• Ferrier Hodgson
• Ferrier, Peter
• Ferriggi, Francis
• Ficken, John
• Field, Allen
• Financial Institutions & Management Advisory (FIMA)
• Financial Ombudsman Service
• Financial Planning Association of Australia Limited
• Financial Rights Legal Centre
• Financial Services Council (FSC)
• Financial Services Institute of Australasia
• Fisher, Julie
• Fleet, Ray
• Fleming, Donna
• Fletcher, George
• flongle
• Flood, Francis
• Flory, Paul
• Forbes, Alistair
• Forbes, Peter
• Force, Rod
• Foresters Community Finance
• Forrest, Frederick
• Forrest, John
• Forrest, Tim
• Forster, Russell
• Fosters, Rolf
• Fox, Andrew
• Fraser, Roderick
• Fraser, the Right Honourable Malcolm
• Freedman, Ben
• Friendly Societies of Australia
• Game, Bill
• Gapes, Gordon
• Gaskell, Robin
• Gay, Norman
• Geissman, Mark
• Genworth
• Geritz, Elise
• Geritz, Tony
• Gerrish, Robert
• Gibb, BJ
• Gillard, Amber
• Ginidis, Peter
• Gleeson, Lynne
• Goldsmith, Don
• Goldthorpe, Aileen
• Good Shepherd Microfinance
• Gordon, Andrew
• Gordon, Ian
• Gors, Beryl
• Gough, Michael
• Goulter, Max
• Goumas, Costas
• Graham, the Honourable Peter QC
• Grant, David
• Gray, Allan
• Greening, Peter
• Grenfell, Colin
• Greville, Mark
• Group of 100
• Grubb, Mark
• Guley, Gordon
• Gulf Elect
• Hadfield, James
• Hall, Simon
• Hallam, K
• Halstead, Brian
• Hamblion, Robert
• Hamilton, Christine
• Hamilton, G
• Hamilton, Greg
• Hand, Graham
• Hansman, AP
• Harden, Stewart
• Harding, Stephen
• Harfouche, Gabriel
• Harris, Andrew
• Harry, Paul
• Hart, Stuart
• Harvey, AE
• Harvey, Helen
• Harvey, Mr & Mrs L
• Harvey, Steven
• Haw, William
• Hazel, Gary
• Hazzard, James
• Healy, Pat
• Heazlett, William
• Hedditch, Robert
• Hegglun, Ian
• Henderson, Gail
• Henderson, Michael
• Heng, Adriel
• Henke, Grant
• Henson, Fiona
• Henzell, Leonard & Gail
• Herbert Smith Freehills (ASIC Funding)
• Herbert, Greg
• Herman, Paul
• Herman, Rudolf
• Hermann, Margaret
• Herrmann, Teresa
• Hetherington, Maurice
• Heugh, John
• Heyward, Rick
• Hill, MW
• Hilton, Roger
• Hingston, Philip
• Hirsch, Siegfried
• Hoar, Peter
• Hobbs, Beverley
• Hoffman, Peter
• Hogan, Greg
• Hogan, Margaret
• Holding, Rod
• Holiday Coast Credit Union
• Hollingworth, Annette
• Holloway, Llewellyn
• Homesafe Solutions
• Homolka, Paul
• Honeyman, Greg
• Hope, Daniel
• Hopkins, Raymond
• Horne, Colin
• Hornsby, Chris
• Houghton, James
• Housing Industry Association (HIA)
• Howard, Scott
• Howarth, James
• Howell, Michael
• Hu, Ling-chia and Lyons, Mark
• Hubbard, Carole
• Hull, Brian
• Humar, Leopold
• Hunneman, Jack
• Hunt, Howard
• Hunt, Warwick
• Hunter, Gordon
• Hunter, Steven
• Hurley, Stan
• Hutchinson, Gerard
• Hydrargyros Pty Ltd
• Ibrahim, Ali
• Ifield, David
• Ifield, Kerrie
• Ifield, William
• IFM Investors
• Impact Investing Australia
• Impact Investment Group
• Income is the Goal
• Independent Fund Administrators & Advisers (IFAA)
• Industry Group, The
• Infrastructure Australia
• ING Bank Australia
• Ingrey, William
• Innovation Australia
• Insurance Australia Group (IAG)
• Insurance Council of Australia
• International Swaps and Derivatives Association (ISDA)
• Isherwood, Aaron
• Isherwood, Craig
• Isherwood, Glen
• Isherwood, Katherine
• Italiano, Pietro
• Ivanov, George
• Izzett, Guy
• Jackson, Anne
• Jacobs, Richard and Jacqueline
• James, Philip & Ewa
• Jamieson, John
• Jans, Ray
• Jans, Sarah
• Jans, Sheryn
• Jelleff, John
• Jenatsch, R
• Jeray, Eva
• Johnson, Anthony
• Johnston, Brian
• Jones, Evan
• Jones, Kaye
• Jones, Leon
• Jordan, David
• Jordan, Tom
• Jorgensen, Erik
• Joyce, DE
• Juhasz, Stephen
• K&L Gates
• Kanavas, Tania
• Karg, Frank
• Kasupene, Morgan
• Kavanagh, Bryan
• Kay, Jacqueline
• Kealley, Dave
• Kean, Michael
• Kearnan, R
• Keenan, Peter
• Keizer, Dirk
• Kelly, Bernard
• Kelly, Derek
• Kelly, Gilbert
• Kelmar, John
• Kemp, Raelene
• Kennedy, Rosanna
• Kennelly, Peter
• Kettlewell, Michael
• Kinderis, Stan & Stephanie
• King & Wood Mallesons
• King, Anthony
• King, Roselyn
• King, Steve
• Kingsford Smith, Dimity
• Kirov, Kris
• Kitto, Ernest
• Klein, Stephen
• Klein, SW
• Kloas, Ewen
• Klose, Werner
• Kobold, Alex
• Kociemski, Chris
• Koenders, Olaf
• Koops, Jim
• KordaMentha
• Kosmas, Jim
• KPMG
• Kucina, SJ
• Kylstra, Wytze
• Lacey, Nigel
• Lahy, Colleen
• Lahy, Michael
• Lane, Alan
• Lange, Jonathan
• Lanzi, D
• Larsen, Ben
• Latimer, Paul
• Laverty, Dorothy
• Law Council of Australia (Business Law Section)
• Law Council of Australia (Superannuation Committee, Legal Practice Section)
• Lawler, Krista
• Lawler, Peter
• Laws, Daniel
• Lazarenko, M & Marcussen, D
• LCH.Clearnet
• Legal Aid NSW
• LeGarde-Glasko, Inez
• Leikov, Joreje
• Lekakis, G, Rogers, I and Manning, P
• Lele, Stephen
• Lemon, Robert
• Lenane, A & P
• Lenoese, N
• Lepse, Traudi
• Lewis, Kevin
• Liebmann, George
• Lipman, Julian
• LM Investor Victim Centre (LMIVC)
• Lock, Diane & Max
• LokalITy Pty Ltd
• Lovell, Dean
• Lovett, Peter
• Lowe, Neville
• Loyall, Ken
• Lyell, Charles
• Lynch, Troy
• Lyons, Jill
• Macdonald, Diana
• Mace, Lincoln
• Mackenzie, Alan
• MacPherson, Ron
• Macquarie Group
• Macqueen, Angus
• Maddock, Rodney
• Madonald, Ian
• Madsen, John
• Maher, Mike
• Mair, Peter
• Malfiore, S & G & L
• Manadavadi, Pravin
• Manestar, Ivan
• Marks, Danny
• Marks, David
• Maroun, Paul
• Martin, Colin
• Martin, Gordon
• Martin, John
• Martin, Ken
• Marx, Tony
• Master Builders Australia
• Master Grocers' Australia
• MasterCard
• Mate, Joseph
• Mathews, Rose
• Matoga, L
• Matoga, W
• Maurice Blackburn Lawyers
• Maxwell, Robert
• Mayman, Wendy
• McAuley, JP
• McAvoy, John
• McCahon, Dale
• McCallum, Graham
• McCarthy, Jonathan
• McCormick, Rob & Lesley
• McCosker, Richard
• McCullagh, James
• McDermott, Chris
• McDonald, Chris
• McDonald, Danielle
• McEwan, Marcus
• McFee, Claire
• McGing Advisory & Actuarial
• McGrathNicol
• McKay, Ralph
• McKinnon, Lorne
• McNally, Kerry
• McNally, Noel
• McNamara, Glen
• McNess, John
• McPherson, M
• McQueen, Colin
• ME Bank
• Medibank
• Meggitt, Cathleen
• Mercer
• Mesch, Monica
• Meyers, Peter
• Meyers, Rod
• Micah, Jim
• Michaelisks, Con
• Microsoft
• Migga, Jenyce
• Milborrow, John
• Minter Ellison
• Minter, Steven
• Mistry, Cyrus
• Mitchell, Doug
• Mitchell, Tara
• Modra, John
• Moffat, Gordon
• Moir, Margaret
• Mollison, Charles
• Money Farms
• Monkey Mia Wildsights
• Moran, Janice
• Morehead, Basil
• Moreton, Barry
• Morgij Analytics
• Mori, Don
• Morningstar
• Mortgage and Finance Association of Australia (MFAA)
• Motive Power
• Mowe, Jeremy
• Moxham, Brian
• Muir, Barry
• Muldoon, MH
• Muller, R
• Murphy, Philip
• Murrell, Anthony
• Musumweci, Cecily
• Myers, Peter
• NAB
• Name Withheld 1
• Name Withheld 2
• Name Withheld 3
• Name Withheld 4
• Name withheld 5
• Narrow Road Capitial
• National Information Centre on Retirement Investments Inc (NICRI)
• National Insurance Brokers Association of Australia
• National Seniors Australia
• Neal, Sandra
• Neave, Barbara
• New Zealand Council of Financial Regulators
• Newcombe, Ray
• Newling, Valerie
• Newnham, Gary
• Nguyen, Khoa
• Nichols, Adam
• Nichols, Bevlee
• Nichols, Damon
• Nichols, Inez
• Nichols, Keverne
• Nichols, Lauren
• Nichols, Lorna
• Nichols, S
• Nilov, Alexei
• Nilov, Marina
• Nolan, Pauline
• Noonan, Jim
• Norton, Tom
• NSW Small Business Commissioner
• O'Connor, Akiko
• O'Niell, Kevin
• Oakes, Rick
• Oakes, Robert
• O'Brien, Benjamin
• O'Brien, John
• O'Brien, Justin and Gilligan, George
• O'Brien, Timothy
• Ockerby, James
• O'Connell, R
• Office of the Australian Information Commissioner
• Ogden, Dereka
• O'Keefe, Dan
• Olimpio, Domenic
• Olman, Lindsay
• O'Shea, Andrew
• Ottrey, Philip
• Owen, Greg
• Ozich, Jim
• P&N Bank
• Papadimitriou, Stan
• Papazoglov, Dimitrios
• Paradisis Family Group, The
• Parkes, Brian
• Parry, Alan
• PayPal
• Pearce, Benjamin
• Pearce, Matthew
• Pearson, Faye
• Pelekani, Con
• Peltpnen, Tuija
• Penberthy, Paul
• Pensions Institute (London)
• Pepper, Chris
• Perrot, Chris
• Perry, John
• Peters, Greg
• Peterson, Monique
• Petterson, David
• Pettett, Geoff
• PEXA
• Pfeiffer, Neville
• Phair, Richard & Margaret
• Phelps, John
• Philanthropy Australia
• Phillips, Rhandall
• Phillips, WJ
• Piesse, John
• Pilkington, Merridee
• Pitabh, Roland
• PlayfairTan
• Plumecocq, Michael
• Poett, Jenny
• Pohl, Nerida
• Polymath Investors Proprietary Limited
• Portelli, Steven
• Portelli, William
• Potter, David
• Potticary, J
• Power, Colin
• Praporski, Alex
• Presnell, Adam
• Preston, Laurie
• Priestly, Claire
• Pronczak, Peter
• Property Council of Australia
• Property Funds Association
• Provic Group Inc
• Providence Wealth Advisory Group
• Pukallus, Dennis
• Pukallus, Jan
• Purvis, Russell
• QBE
• QIC Limited
• QSuper
• Quicke, Allan
• Quilter, Lorna
• R, Ronald
• Radford, Edwin
• Rainmaker Information
• Ralfs, Keith
• Ray, John
• Rayner, Frank
• Rea, Pauline
• Read, Arnold
• Real Estate Institute of Australia
• Real, Roger
• Reed, Andrew
• Regional Banks (on behalf of BoQ, Bendigo and Adelaide Bank, ME Bank and Suncorp Bank)
• Regional Policy Advisory Committee
• Research Australia
• Reserve Bank of Australia (RBA)
• REST Industry Super
• Reti, Daniel
• Rhines, Eleanor
• Rice Warner
• Rickard, Neil
• Rider, Alan
• Ritchies Stores
• Roan, Bruce & Lorna
• Roberts, Ben
• Robinson, Jean
• Robinson, Wayne
• Rodgers, John
• Rogan, William
• Rolfe, Brendan
• Rollond, Ken
• Roubicek, Roger
• Rourke, Philip
• Rowe, Peter
• Rowlands, Ronald
• Rowles, Kerry
• Roysland, Peter
• Rubina, Carlos
• Rumble, Dr Tony
• Rumble, Lee
• Runcie, Neil
• Russo, Mario
• Rutherford, James
• Ruyg, Michael
• Ryan, Gerard
• Sage, Graham
• Sallwan, Garette
• Salt, Philip
• Sambastian, Pierre
• Scallan, Bronwyn
• Scalzi, Robert
• Scarfone, Frank
• Schiemer, Donald
• Schippl, Helmut
• Schlusser, William
• Schmetzer, Errol
• Schmidt, Kunobert
• Schmulow, Andy
• Schorel-Hlavka, GH
• Schreurs, Martin
• Schroder Investment Management Australia Limited
• Schutz, Maurice
• Scroop, Eric
• Searton, R & A
• See, Alexandra
• Seed, Jeff
• Seriya, Mel
• Seymour, Michael
• Shaw, R
• Shields, Geoff
• Shields, Simon
• Shire of Beverley
• Shus, Ed
• Siddall, Clytie
• Siebert, Lisa
• Siebert, Paul
• Simkiss, John
• Simpson, Campbell
• Sims, Daniel
• Sincock, Philip
• Sjogren, Karl
• Slattery, Pat
• Sledge, RA
• Small, Garrick
• Smith, Derek
• Smith, G
• Smith, Luke
• Smith, Mark
• Smith, P
• Smith, Ray
• Smith, Rick
• Smith, Rod
• Smith, Russell
• Smith, Sharon
• Smith, Sidney
• SMSF Owners' Alliance (SMSFOA)
• SMSF Professionals Association of Australia (SPAA)
• Smyth, John
• Social Enterprise Finance Australia Ltd (SEFA)
• Solaiman, Sheikh
• Soos, Richard
• Soulos, Andrew
• Spain, David
• Spajic, Paul
• Spijer, Daan
• Spinks, June
• Spyker, Len
• St George Community Housing Limited (SGCH)
• Staehr, Jeanette
• Stallard, Geoff
• Standard & Poor's
• Stanton, Heather
• Steel, Stephen
• Stevens, Renae
• Stevenson, Derek
• Stevenson, Richard
• Stockbrokers Association of Australia
• Stone, RG
• Storey, Dianne
• Storm, PA
• Stott, Chris
• Stow, David
• Strahan, Colin
• Strategies Plus
• Stratford, Narelle
• Stratford, Noel
• Strathfield Council
• Street, Peter
• Sturgiss, Denzil
• Styles, Carol
• Styles, Wayne
• Sudholz, Judith
• Sullivan, Kerry
• Suncorp Bank
• Suncorp General Insurance
• Suncorp Life
• Super Innovations
• Superannuation Consumers Centre
• SuperEd
• SuperGuardian/Xpress Super
• SuperRatings
• Supported Residents & Carers Action Group
• Swan, Graham
• Swiggs, David
• Sy, Wilson
• Syme, Graham
• Synchron
• TAL Dai-chi Life Australia Pty Limited
• Tannberg, Carsen
• Tasmanian Small Business Council
• Tate, Sue
• Taxpayers Party, The
• Telford, John
• Tesconi, Ernie
• Tew, Danny
• Thies, Dick
• Thomas, Brian
• Thomas, Peter & Margaret
• Thompson, Bruce
• Thompson, Martin
• Thornton Tucker
• Thornton, Margaret
• Thurlow, Kimball
• Thystrup, Lars
• Tkacz, Henrik
• Tom Lawler Transport
• Tonkin, Tommy
• Townsend, Kendall
• Townsend, Norm
• Treagar, Robert
• Trent, Kevin
• Triple W Farms Pty Ltd
• Trouncer, Jody
• Tucci, Michael
• Tuffnell, Ian
• Turnaround Management Association of Australia Ltd
• Turner, Les
• Turner, Mark
• Turvey, Claire
• Turvey, R
• Turvey, Wener
• Twelftree, Matthew
• Tyas, Brian
• Tyro Payments
• UniSuper Management Pty Ltd
• Utber, Dororhy
• van Roosendael, Edmund
• van Schaik, Heidi
• Vasanji, Suzann
• Veda
• Veit, Christian
• Venkatramani, Ramani
• VentureCrowd
• Verheyen, Gerry
• Veronika
• Victorian Teachers Mutual Bank
• Vincent, Neill
• VISA
• Vogel, Luke
• Wall, Terry
• Walsh, Alexander
• Walsh, Paul
• Walters, Eric
• Wansbrough, Gary
• Warriner, William
• Watkins, Richard
• Watson, Barry
• Watson, John
• Weigang, Michael
• Welch, AJ
• Wells, Kath
• Wells, NW
• West, Matthew
• Westley, Mark
• Westpac
• Weymouth, John
• Wheeler, Bill
• White Label Personal Clouds
• White, Colin
• White, Mary
• White, Patricia
• White, Robert
• Whitehead, Bruce
• Whitehead, Gareth
• Whitehead, Shae
• Whitelaw, Wilma
• Whitney, Ani
• Whythom, Ben
• Wilde, Milton (Submission 1)
• Wildwood, Wolf
• Wilkie, Ken
• Wilkinson, Mark
• Williams, Alfred
• Williams, Barry
• Williams, Benjamin
• Williams, Cholm
• Williams, Gillian
• Williams, Kevin
• Williams, Michael
• Williams, Paul
• Williams, Ray
• Willsher, Trevor
• Wilson Asset Management
• Wilson, Gilbert
• Wiltshire, Diana
• Winniak, Daniel
• Witten, Richard
• Wizard, Paul
• Wizner, Ross
• Woldt, Lee
• Wood, Don & Anita
• Wood, Ian
• Wrae, Louisa
• Wraith, Pauline & Barry
• Yabsley, Bob
• Yaretsky, Ian
• Yohanna, Sleiman
• Yong, Leonard
• YPINH National Alliance
• Zell, Max
• Zimmermann, Michaela
• Zumbo, Vincenzo