Appendix 3: Submissions to the Inquiry

The first round of submissions to the Financial System Inquiry closed on 31 March 2014 and informed the Inquiry’s Interim Report.

The Inquiry received over 280 first round submissions on the issues set out in the Inquiry’s Terms of Reference. Submissions lodged up until 2 May 2014 are available on the Financial System Inquiry website, except where authors requested confidentiality.

The following is a list of people and organisations that made non-confidential first round submissions.

  • Institute of Actuaries of Australia
  • Australian Financial Market Association (AFMA)
  • Allianz Australia Limited
  • American Express Australia Limited
  • AMP
  • ANZ
  • Australian Restructuring Insolvency & Turnaround Association (ARITA)
  • Association of Superannuation Funds of Australia (ASFA)
  • Assetsecure Pty Ltd
  • Association of Financial Advisers Limited (AFA)
  • Association of Independently Owned Financial Professionals (AIOFP)
  • Association of Mining and Exploration Companies (AMEC)
  • ASX
  • AT Kearney
  • Atchison Consultants
  • AHL Investments Pty Ltd (Aussie)
  • The Australia Institute
  • Australia Post
  • Australia Ratings Pty Ltd
  • Australian Bankers’ Association Inc
  • Australian Catholic Bishops Conference
  • Australian Centre for Financial Studies
  • Australian Government Financial Literacy Board
  • Australian Industry Group
  • Australian Institute of Company Directors
  • Australian Institute of Superannuation Trustees (AIST)
  • Australian Payments Clearing Association (APCA)
  • Australian Private Equity & Venture Capital Association Limited (AVCAL)
  • Australian Prudential Regulation Authority (APRA)
  • Australian Retail Credit Association (ARCA)
  • Australian Retailers Association (ARA)
  • Australian Securities and Investment Commission (ASIC)
  • Australian Securitisation Forum
  • Australian Settlements Limited (ASL)
  • Australian Shareholder’s Association (ASA)
  • Baker, Bruce
  • Baker, Carl
  • Bank of Queensland (BoQ)
  • Banki Haddock Fiora
  • Bankmecu
  • Barry, Robert
  • Bendigo and Adelaide Bank Limited
  • Bergwald, Andrew
  • Bird, David
  • Brotherhood of St Laurence
  • Brown, Robert
  • Burrell Stockbroking & Superannuation
  • Business Council of Australia
  • Business Council of Co-operatives and Mutuals
  • Byford, Martin (RMIT)
  • CapMX Pty Ltd
  • Carter Newell Lawyers
  • Cawley, Dr Adam
  • Centre for Policy Development
  • Centre for Excellence in Population Ageing Research (CEPAR)
  • Centre for Law, Markets and Regulation (UNSW)
  • CFA Societies Australia
  • Challenger Limited
  • CHAMP Private Equity
  • Chan & Naylor
  • Chapman Tripp
  • Chi-X Australia Pty Ltd
  • CHOICE
  • Cisco Systems Australia Pty Ltd
  • Citizens Electoral Council of Australia
  • Coates, Doug
  • Cohen, Roger
  • Coles Supermarkets Australia Pty Ltd
  • Commercial Asset Finance Brokers Association of Australia Limited (CAFBA)
  • Commonwealth Bank of Australia
  • Community Council for Australia (CCA)
  • Compare the Market
  • Consumer Action Law Centre
  • Consumer Credit Legal Centre (NSW)
  • COTA
  • Council of Small Business Australia (COSBOA)
  • CPA Australia
  • Credit Ombudsman Service Limited
  • CSIRO Monash Superannuation Cluster
  • CSR Limited
  • CUA
  • Cullen Capital Pty Ltd
  • Cuscal
  • Customer Owned Banking Association
  • de Tarle, Benoit
  • Digital Finance Analytics
  • DFA Australia Ltd
  • Doe, Vince
  • eftpos Payments Australia Limited
  • Elite Wealth Solutions Pty Ltd
  • Export Finance and Insurance Corporation (EFIC)
  • Ferraro, Salvatore
  • Fiduciarys Friend Pty Ltd
  • Finance Brokers Association of Australia Ltd
  • Financial Literacy Australia Ltd
  • Financial Ombudsman Service Limited
  • Financial Planning Association of Australia
  • Financial Services Council (FSC)
  • Financial Services Institute of Australasia (FINSIA)
  • FirstMac Limited
  • Fowler, E M
  • Franklin, Craig
  • Friendly Societies of Australia
  • Finance Sector Union (FSU) Australia
  • Good Shepherd Microfinance and Good Shepherd Youth & Family Services
  • Governance Institute of Australia Ltd
  • Gray, Jack
  • GreySpark Partners
  • Harkness, Leigh
  • Herbert, Greg
  • Housing Industry Association (HIA)
  • HSBC
  • Hume, Lyn
  • ICI Global
  • Impact Investing Australia Ltd
  • Industry Super Australia
  • Infrastructure Australia
  • ING Direct
  • Innovation Australia
  • Institute of Chartered Accountants Australia
  • Institute of Public Accountants
  • Insurance Australia Group (IAG)
  • Insurance Council of Australia
  • International Stock Exchange Executives Emeriti (ISEEE)
  • International Swaps and Derivatives Association (ISDA)
  • Jacobs, Alan
  • Johnson, Mark and Weir, Geoff
  • Johnston, Adam
  • Jones, Ian
  • K&L Gates
  • Kajlich, Anti
  • KCG Australia
  • King & Wood Mallesons
  • King, Yasmin
  • Kingsford Smith, Dimity (UNSW)
  • Kourouche, Hind
  • KPMG
  • KS Nathan
  • Law Council of Australia Limited
  • LCH.Clearnet Limited
  • Legal Aid NSW
  • Leslie, Kenneth (Project ERNA)
  • LIXI Ltd
  • Lynch, Troy
  • Macfarlane, Ian
  • Mackay, Anthony (Max)
  • Mackinnon, Ronald
  • Macquarie Group Limited
  • Maddock, Rodney (Monash)
  • Mair, Peter
  • Marx, Tony
  • Master Builders Australia Ltd
  • MasterCard Australasia
  • Maxwell, Ian
  • McAuley, John
  • McNeil, Peter
  • McQueen, Colin
  • Members Equity Bank Pty Ltd
  • Menzies, Gordon (UTA) and Chapman, Bruce (ANU)
  • Menzies, Gordon (UTS), Bird, R (UTS) and Dixon, P
  • Mercer
  • Mills, Alan
  • Minister for Small Business
  • Minter Ellison
  • Moloney, David
  • Morgij Analytics
  • Morrow, Bryan
  • Mortgage and Finance Association of Australia (MFAA)
  • NAB
  • Name withheld
  • Narrow Road Capital
  • National Financial Services Federation (NFSF)
  • National Insurance Brokers Association of Australia (NIBA)
  • National Seniors Australia
  • Neave, Barbara
  • Nehme, Marina (UNSW) and Chioatto, Ulysses (UTS)
  • NSW Business Chamber
  • NSW Government
  • Nugent, Des
  • O’Brien, John
  • Oxfam Australia
  • P&N Bank
  • Pascuzzo, Patricia
  • PayPal
  • Peterson, John
  • Piper, William
  • Property Council of Australia
  • Property Funds Association of Australia
  • Prudames, Geoff and Ann
  • PWC Australia
  • QBE
  • QBE Lenders’ Mortgage Insurance
  • Quinn, Jim
  • Raftery, Adrian
  • RateSetter Australia Pty Limited
  • Rayner, Frank
  • Redfern Legal Centre
  • Regional Banks submission (on behalf of BoQ, Bendigo and Adelaide Bank, ME Bank and Suncorp Bank)
  • Regnan Governance Research and Engagement
  • Renton, Nigel
  • Reserve Bank of Australia
  • RMIT
  • Roberts, Oliver
  • Schlusser, William
  • Singh, Supriya (RMIT)
  • SIRCA Limited
  • Smith, Sophee
  • SMSF Owners’ Alliance
  • SMSF Professionals’ Association of Australia
  • Social Ventures Australia
  • SocietyOne
  • Sommerville, Tim
  • Standard & Poor’s Ratings Services
  • Steen, Adam (CSU)
  • Stockbrokers Association of Australia
  • Suncorp Bank
  • Suncorp General Insurance
  • Suncorp Life
  • Superannuation Consumers’ Centre
  • Swan, Peter (UNSW)
  • Switzer Financial Group Pty Ltd
  • TAL Dai-ichi Life Australia Pty Limited
  • The Treasury
  • Turnbull, Robert
  • Turnbull, Shann
  • Tyro Payments Ltd
  • UniSuper
  • University of Melbourne
  • Veritec Solutions
  • VFT 2 Project
  • VISA Inc.
  • Westpac Banking Corporation
  • White, Glenn
  • Wide Bay Australia Ltd
  • Wilson Asset Management
  • Yellow Brick Road