Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1697633755665.pdf (Australia)
Appendix 1 Submissions, tabled documents, additional information and answers to questions on notice Submissions Legal Aid Queensland Commercial Asset Finance Brokers Association of Australia Limited (CAFBA) Financial Planning Association (FPA) Australian National Audit Office Caxton Legal Centre National Insurance Brokers Association of Australia (NIBA) ANZ Bank Insurance Council of Australia Australian Institute of Superannuation Trustees (AIST) 10 Community Legal Centres Queensland, Community Legal Centres New South Wales, South Australian Council of Community Legal Services, Federation of Community Legal Centres (Vic), Community Legal Centres Tasmania and Community Legal Centres Association (WA) 11 Australian Small Business and Family Enterprise Ombudsman 12 Financial Services Council (FSC) 13 Business Council of Co-operatives and Mutuals (BCCM) 14 Association of Financial Advisers (AFA) 15 Australian Bankers’ Association (ABA) 16 Customer Owned Banking Association (COBA) 17 Mr Stephen Johnson 18 LF Economics 19 CHOICE 20 beyondblue 21 Care Inc. Financial Counselling Service 22 Australian Lawyers Alliance 22.1 Response to submission 22 from ANZ 23 SMSF Owners' Alliance 94 24 Australian Remittance and Currency Providers Association Limited (ARCPA) 25 Public Interest Advocacy Centre Ltd 26 Mr Glenn Pullin 26.1 Supplementary to submission 26 26.2 Response to submission 26 from the Financial Ombudsman Service Australia 27 Acorns Grow Australia Limited 27.1 Response to submission 27 from
 Commonwealth Bank 28 Dr Serge Diklitch 28.1 Response to submission 28 from MLC Life Insurance 29 Mr Greg Cadwallader 30 Mr Tom Azzi 31 Mr Mohsen Alirezai 31.1 Response to submission 31 from ANZ 32 Mr Paul Westbury 32.1 Response to submission 32 from Macquarie Group Ltd 33 Mr Alexander Walton 34 Name Withheld 35 Dr George Tsambourakis 36 Australian Securities and Investments Commission (ASIC) 37 Ms Diane & Mr Max Lock 38 Ms Alida Deligeorges 39 Integrity New Homes 40 Mr Michael Czajka 41 Name Withheld 41.1
 Supplementary to submission 41 41.2 Response to submission 41 from the Financial Ombudsman Service Australia 41.3 Response to supplementary submission 41.1 from the Financial Ombudsman Service Australia 42 Mr Mark Newberry 43 Westpac 44 Keep Me Posted 45 Mr Donald Campbell 95 46 Consumer Action Law Centre 47 Mr Terry Watson 48 Mr Kenneth Miles 49 Mr Patrick Hayes 50 Mr Stuart Fraser 51 52 53 Financial Ombudsman Service Australia Financial Rights Legal Centre IAG 54 Broome Circle Financial Management Program 55 56 The Australia Institute Finance Sector Union of Australia 57 Australian Timeshare Holiday Ownership Council (ATHOC) 58 Consumer Credit Legal Service (WA) Inc 59 Individuals who provided comments through CHOICE online tool 59.1 Response to submission 59 from ANZ 60 Mr Colin Powers 61 Mr David Bibo 62 Mr Louis Lalos 63 Name Withheld 64 Name Withheld 65 Name Withheld 66 Name Withheld 66.1 Response to submission 66 from the Law Society of NSW 66.2 Response to submission 66 from National Australia Bank (NAB) 67 Credit and Investments Ombudsman Limited 68 Dixon Advisory & Superannuation Services Limited 69 Ms Suzi Burge 69.1 Response to submission 69 from the Financial Ombudsman Service Australia 70 Mr Ralph Binks 71 Mrs Sue Dawes 72 Mr Leo & Mrs Helen Southwell 73 Dr Ragnar Purje 96 73.1 Response to submission 73 from NAB 74 Ms Leanne Harris 74.1 Response to submission 74 from the Financial Ombudsman Service Australia 74.2 Response to submission 74 from ANZ
 75 Ms Michelle Matheson 75.1 Response to submission 75 from the Financial Ombudsman Service Australia 76 Mr Tim & Mrs Marlene Slattery 76.1 Response to submission 76 from the Financial Ombudsman Service Australia 77 Mr Paul Herman 77.1 Response to submission 77 from the Financial Ombudsman Service Australia 77.2 Response to submission 77 from ANZ 78 Ms Carolyn Thomson 78.1 Response to submission 78 from the Financial Ombudsman Service Australia 78.2 Reponse to submission 78 from ANZ 79 Ms Sandy Neilen 79.1
 Response to submission 79 from the Financial Ombudsman Service Australia 79.2 Response to sunbmission 79 from ANZ 80 Mr Jim Martinek 81 Name Withheld 82 Mr Ian Williamson 82.1 Response to submission 82 from ANZ 83 Mr John Wilmott 84 Mr Graham Marks 85 Bank Reform Now 86 Ms Sandra Phillips 87 Dr Evan Jones 88 Ms Ruth Leahy 88.1 Response to submission 88 from ANZ 89 Name Withheld 90 Dr Simon Winder 91 Financial Counselling Australia (FCA) 92 Name Withheld 93 Mr Philip and Mrs Kate Pyke 94 Banking and Finance Consumers Support Association (Inc) 94.1 Response to submission 94 from Bendigo and Adelaide Bank 94.2 Response to submission 94 from ANZ 97 95 Mr Jon Cook 96 Confidential 97 Confidential 98 Confidential 99 Confidential 100 Confidential 101 Confidential 102 Confidential 103 Confidential 104 Confidential 105 Mr Peter Johnston 106 Hon Michael Yabsley 106.1 Response to submission 106 from ANZ 107 Tasmanian Small Business Council (TSBC) 107.1 Response to submission 107 from Code Compliance Monitoring Committee 108 JMA Parties and Staff of Jenolan Village 108.1 Response to submission 108 from the Code Compliance Monitoring Committee 109 Bank Victims 109.1 Response to submission 109 from the Code Compliance Monitoring Committee 110 Ms Alison Hale & Mr Greg Saunders 110.1 Response to submission 110 from RHG Mortgages 111 Confidential 112 Name Withheld 112.1 Response to submission 112 from Commonwealth Bank of Australia 113 Name Withheld 114 Name Withheld 115 Mr Mario
 Menso 98 116 Mr Dario Pappalardo 117 Mr Trevor Fothergill 118 Name Withheld 119 Mr George Kelepecz 120 Name Withheld 121 Confidential 122 Confidential 123 Ms Naomi Halpern 123.1 Response to submission 123 from Peter Holt 123.2 Response to submission 123 from Korda Mentha 123.3 Response to submission 123 from ANZ 124 Holt Norman Ashman Baker Action Group (HNAB-AG) 124.1 Response to submission 124 from Korda Mentha 124.2 Response to submission 124 from ANZ 124.3 Response to submission 124 from Mr Peter Holt
 124.4 Response to submission 124 from Mr John Berrill 125 Mr Guy Goldrick 126 Mr Tim Boman 127 Mr Christopher and Ms Claire Priestley 128 Mr Lynton Freeman 129 Mr Graham Heslop, Ms Patricia Harper and Mr Martin Harper 130 Mr Verano Radin 131 Mr Tony Rigg 132 Name Withheld 133 Mr Peter O'Connor 134 Confidential 135 Former employees of Carlton and United Breweries 136 Confidential 137 Confidential 138 Ms Beth Irvin 138.1 Response to submission 138 from ANZ 139 Mr Nicholas Wright 140 Ms Karinalee Honeyman 140.1 Response to submission 140 from NRMA 99 141 Confidential 142 Confidential 143 Confidential 144 Confidential 145 Confidential 146 Confidential 147 Confidential Tabled documents 1 2 3 4 Document tabled by the Australian Securities & Investments Commission at a public hearing held in Sydney on 26 April 2017.
Document tabled by the Finance Brokers Association of Australia at a public hearing held in Sydney on 26 April 2017.

Document tabled by the Finance Sector Union of Australia at a public hearing held in Sydney on 28 June 2017.

Document tabled by Dr Simon Winder at a public hearing held in Sydney on 28 June 2017.

Additional information 1 2 Document provided by the Finance Brokers Association of Australia following a public hearing held in Sydney on 26 April 2017.
Document provided by Consumer Action Law Centre following a public hearing held in Sydney on 26 April 2017.

100 Answers to questions on notice 1 2 3 4 Answers to questions on notice from a public hearing held in Sydney on 26 April 2017, received from Financial Ombudsman Service Australia on 9 May 2017.

Answers to questions on notice from a public hearing held in Sydney on 26 April 2017, received from Financial Rights Legal Centre on 15 May 2017.
Answers to questions on notice from a public hearing held in Sydney on 26 April 2017, received from Consumer Action Law Centre on 11 May 2017.

Answers to questions on notice from a public hearing held in Sydney on 28 June 2017, received from Mr Phil Khoury, Independent Reviewer, Banking Code on 25 July 2017.