Submission to the Review of the General Exemption Order Issues Paper

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Submission to the Review of the General Exemption Order Issues Paper"

Transcription

1 Submission to the Review of the General Exemption Order Issues Paper Executive Summary Clean Energy Council (CEC) welcomes the review of Victoria s regulatory framework for providers of solar power purchase agreements (solar PPAs or SPPAs) and solar leases. The Victorian regulatory framework for solar PPAs and solar leases is obsolete and has become a barrier to business. An exemption framework is the appropriate mechanism for authorizing alternative energy sellers in Victoria. Retail licensing of providers of solar PPAs and solar leases is unnecessary. The Victorian regulatory framework should be at least as simple and inexpensive as the approach taken under the National Energy Customer Framework (NECF). Key recommendations Retail licensing of providers of solar PPAs and solar leases is unnecessary. No other jurisdiction is Australia requires alternative energy sellers to obtain a retail licence or retail authorisation. Providers of solar PPAs and solar leases in Victoria should be regulated using either an individual authorisation exemption approach (as is the case in New South Wales, Queensland, South Australia, Tasmania and ACT) or using a class retail exemption approach (as has been proposed by the Western Australian Department of Finance). Note that the solar PV industry has developed an ACCC-approved Code of Conduct to address consumer protection issues in relation to standards of service and product quality and that the Code extends to providers of solar PPAs and solar leases. Clean Energy Council Submission to the Review of the General Exemption Order Issues Paper Page 1 of 6

2 Responses to Questions for Stakeholders Note that in this submission we have addressed only the questions relating to alternative energy sellers. 21. What is the appropriate mechanism for authorizing alternative energy seller models in Victoria, exemption or licence? An exemption framework is the appropriate mechanism for authorizing alternative energy sellers in Victoria. Retail licensing of providers of solar PPAs and solar leases is unnecessary. CEC concurs with the view of the Australian Energy Regulator (AER), that when an SPPA provider contracts with a customer to provide an additional service, an authorisation is not practical or warranted. Exemptions are a better regulatory fit for many kinds of alternative energy selling, including the sale of energy through SPPAs. No other jurisdiction is Australia requires alternative energy sellers to obtain a retail licence or retail authorisation. The National Energy Customer Framework (NECF) enables alternative energy sellers to do business using an authorisation exemption approach. The Western Australian Department of Finance Public Utilities Office (PUO) has recommended a class retail exemption for providers of solar PPAs and solar leases, subject to conditions regarding disclosure and reporting. CEC s supports the view of the PUO that, as this is an emerging market, without evidence indicating there is a problem requiring government intervention, there is no clear case for additional regulatory protections and monitoring through a retail licence. It is likely there will be increased consumer demand for arrangements such as SPPAs as consumers look for alternative means of accessing solar power without the costly initial outlay required to install a new system. As demand increases, the question arises as to whether to regulate this new type of business model. In practice, the cost of licensing under the current retail licence regime is likely to be prohibitive for prospective SPPA providers, and may restrict entry into the market In relation to SPPA providers, licensing is likely to result in increased regulatory cost without any clear benefit to consumers or industry. Until there is evidence demonstrating the existence of a problem that requires redress through regulation, the ACL [Australian Consumer Law] will be able to provide sufficient deterrents against unscrupulous behaviour, and provide adequate consumer protections to residential and commercial customers. Clean Energy Council Submission to the Review of the General Exemption Order Issues Paper Page 2 of 6

3 CEC endorses the PUO recommendations, which would: Allow for a class exemption for providers of solar PPAs and solar leases, thereby removing any requirement to apply for either a retailer licence or a retailer licence exemption; Require a product disclosure statement be given to all solar PPA customers; and Require SPPA providers to register with the PUO upon commencing its business and submit an annual summary report of its operations. This approach would reduce red tape for providers of solar PPAs and leases. CEC s Solar PV Retailer Code of Conduct includes best practice disclosure requirements for solar PPA providers. CEC recommends the Victorian Government consider the approach proposed for WA, using a class exemption approach with mandatory product disclosure requirements based on the best practice approach described in the CEC Solar PV Retailer Code of Conduct. 22. What are the regulatory barriers to the establishment of Alternative Energy Sellers? Victoria s approach to regulating the alternative energy selling industry is heavy-handed and dysfunctional. Victorian regulations are the main reason why the alternative energy selling business model has been so slow to take off in Victoria, compared with other states. It is part of the reason why Sydney has become the centre for innovation in solar financing and new business models while Victoria has languished. Victoria is losing investment and employment opportunities due to a moribund, unworkable regulatory framework. We concur with the ESC s concern that the current regulatory framework is limiting innovation, stifling competition and contributing to higher energy prices. The NECF regulates alternative energy sellers using an individual authorisation exemption approach. This approach provides appropriate regulatory oversight of alternative energy sellers. There are dozens of companies offering solar PPAs in NECF jurisdictions. In contrast, there are very few companies able to offer solar PPAs in Victoria. The main reason for the difference is the barrier to business created by Victoria s regulatory framework. The regulatory framework should not be replaced with something special and unique to Victoria. The Victorian Government has chosen not to adopt the NECF. It is incumbent upon Victorian policy makers to ensure that their regulatory framework is at least as simple and inexpensive as the NECF approach. Clean Energy Council Submission to the Review of the General Exemption Order Issues Paper Page 3 of 6

4 23. At what scale, and for which electricity activity, is an exemption appropriate? An exemption framework is appropriate for solar leases and for sale of electricity behind the meter using solar PPAs. There should not be a threshold in terms of system size. Solar leases and sale of electricity behind the meter using a solar PPA should be covered by an exemption framework, regardless of the size of the solar PV array. 24. If the Department were to grant an exemption to an alternative energy seller, what conditions should apply? To improve customer service and industry standards, the CEC established the Solar PV Retailer Code of Conduct in The Solar PV Retailer Code of Conduct includes guidelines for providers of solar leases and solar PPAs and represents best practice for the alternative energy selling sector. CEC recommends the Victorian Government consider the approach proposed for WA, using a class exemption approach with mandatory product disclosure requirements based on the best practice approach described in the CEC Solar PV Retailer Code of Conduct. CEC s Solar PV Retailer Code of Conduct is a voluntary scheme for retail businesses selling solar PV systems to households and businesses. It is authorised by the Australian Competition and Consumer Commission (ACCC). The Code aims to lift the bar higher than the minimum requirements set by government and regulations and bring about a better standard of service within the solar industry. When authorising the code in 2013, ACCC Commissioner Dr Jill Walker said: "The Code will allow for the regulation of retailers of solar PV systems to ensure that retailers maintain a standard that will benefit consumers and the industry. The Code will promote confidence in the PV sector by giving information to consumers to assist in purchasing decisions. The Code will also promote compliance by PV retailers through sanctions and public reporting mechanisms." The CEC manages the code of conduct and ensures that signatories comply with its strict requirements. To obtain approval, retailers must demonstrate compliance with all relevant consumer protection laws. There are a number of additional requirements including the demonstration of best practice pre- and post-sale activities; documentation; general business practices; and provision of a five-year, whole-of-system warranty. The independent Code Review Panel is headed by the CEO of the Consumer Advocacy Law Centre, Gerard Brody Further information about the Solar PV Retailer Code of Conduct is available from the CEC web site at The Code applies to the sale of solar PV systems, solar leases and solar PPAs. Approved Retailers (ie, signatories to the Code of Conduct) are required to clearly provide accurate information about the total Clean Energy Council Submission to the Review of the General Exemption Order Issues Paper Page 4 of 6

5 cost over the financing term of solar PV systems sold under finance arrangements including, without limitation, leases and solar PPAs. When advertising, or offering to a consumer, a finance arrangement that provides an alternative to initial outright purchase, Approved Retailers are required to provide the following information in their contracts of sale: the name of the lender to whom the consumer will be contracted; a clear statement that the periodic payments are available only if the consumer wishes to take advantage of the finance model; the comparative cost of that same product if the consumer was to purchase it outright on that day; a clear statement that fees and charges apply in relation to the finance arrangement, including: o the dollar amount of fees and charges applied under the finance arrangement and what each fee and charge represents; o whether the fees are fixed and, if not, details of escalation rates; and o where and in what form the consumer can expect the fees and charges to appear in the finance contract; under a solar leasing offer, the aggregate amount payable over the life of the financing term; under a PPA, the aggregate amount over the financing term based on a reasonable and stated estimate of the solar-generated electricity consumed by the consumer; details of any exit payments or penalties associated with the finance arrangement; a statement as to whether the consumer owns the system at the conclusion of any plan or agreement under the terms of the finance arrangement and/or details, including any associated costs and/or fees, of any option or options available to the consumer to purchase the system at the end of the term; and a statement that questions and complaints about the finance arrangement should be directed to the lender with whom the consumer is or will be contracted and, where relevant, to the Australian Securities & Investments Commission or the financier s external dispute resolution provider. It is our understanding that credit providers operating in Australia are governed by the National Consumer Credit Protection Act 2009 (Cth) ( the NCCP Act ). Under the Code of Conduct, Approved Retailers must make reasonable enquiries as to whether the lender (ie. the finance company to whom it is introducing consumers) is a credit provider as defined by the NCCP Act. If the finance company is not or states that it is not a credit provider as Clean Energy Council Submission to the Review of the General Exemption Order Issues Paper Page 5 of 6

6 defined in the NCCP Act, the Approved Retailer must ensure that the relevant contract includes a provision substantially in the following form: The consumer acknowledges that the lender is not, or may not be, subject to the National Consumer Credit Protection Act 2009 (Cth) ( the NCCP Act ) and accordingly the consumer may not have the benefit of the statutory protections afforded to consumers under the NCCP Act including, without limitation: o access to the services of the Financial Services Ombudsman; o access to dispute resolution services; o access to a streamlined court procedure for small claims; o a right to seek compensation; o applications for hardship variations or stays of enforcement; and o receiving information from the Credit Provider when a consumer defaults on their contract or a debit is dishonored. This clause would need to be signed by the consumer as an acknowledgment that the consumer is or may be waiving certain statutory rights. References Australian Energy Regulator (2014), AER Statement of Approach: Regulation of alternative energy sellers under the National Energy Retail Law Essential Services Commission (2015), Modernising Victoria s Energy Licence Framework: Issues Paper Government of Western Australia Department of Finance Public Utilities Office (2015), Retail licence exemptions for Solar Power Purchase Agreements: Draft Recommendations Report Clean Energy Council Submission to the Review of the General Exemption Order Issues Paper Page 6 of 6

Submission to the Essential Services Commission. Modernising Victoria s Energy Licence Framework Issues Paper

Submission to the Essential Services Commission. Modernising Victoria s Energy Licence Framework Issues Paper Submission to the Essential Services Commission Modernising Victoria s Energy Licence Framework Issues Paper Executive Summary Clean Energy Council (CEC) welcomes the review of Victoria s regulatory framework

More information

Submission to the Energy Market Reform Working Group Consultation on regulatory implications of New Products and Services in the Electricity Market

Submission to the Energy Market Reform Working Group Consultation on regulatory implications of New Products and Services in the Electricity Market Executive Summary Submission to the Energy Market Reform Working Group Consultation on regulatory implications of New Products and Services in the Electricity Market Clean Energy Council (CEC) welcomes

More information

Solar Cloud. Application for Individual Retail Exemption 1 Legal Name Share My Solar Pty Ltd. 2 Trading Name Solar Cloud

Solar Cloud. Application for Individual Retail Exemption 1 Legal Name Share My Solar Pty Ltd. 2 Trading Name Solar Cloud Solar Cloud Application for Individual Retail Exemption 1 Legal Name Share My Solar Pty Ltd 2 Trading Name Solar Cloud 3 Australian Business Number: 45 164 838 288 4 Registered Postal Address Suite 502,

More information

Ms Joy D Souza Senior Policy Officer, Energy Sector Policy & Programs Department of Economic Development, Jobs, Transport and Resources Melbourne 3000

Ms Joy D Souza Senior Policy Officer, Energy Sector Policy & Programs Department of Economic Development, Jobs, Transport and Resources Melbourne 3000 23 July 2015 Mr John Phillips Manager, Energy Licencing & Standards Essential Services Commission Level 37, 2 Lonsdale St Melbourne 3000 By email: energy.submissions@esc.vic.gov.au Ms Joy D Souza Senior

More information

Corporate Summary. Company Background

Corporate Summary. Company Background Corporate Summary Company Background Energy Lease Pty Ltd is a new business, established in 2014 as a specialty financier and asset manager of solar energy systems and energy efficient equipment. The business

More information

2015 Retail Competition Review Approach Paper

2015 Retail Competition Review Approach Paper AGL Energy Limited ABN: 74 115 061 375 Level 22, 101 Miller St North Sydney NSW 2060 Locked Bag 1837 St Leonards NSW 2065 T: 02 9921 2999 F: 02 9921 2552 www.agl.com.au 19 February 2015 Australian Energy

More information

AER Submission. Competition Policy Review Draft Report

AER Submission. Competition Policy Review Draft Report AER Submission Competition Policy Review Draft Report November 2014 1 Introduction The AER is Australia s national energy regulator and an independent decision-making authority. Our responsibilities are

More information

Clean Energy Council submission to the Australian Energy Regulator. Regulation of alternative energy sellers under the National Energy Retail Law

Clean Energy Council submission to the Australian Energy Regulator. Regulation of alternative energy sellers under the National Energy Retail Law Clean Energy Council submission to the Australian Energy Regulator Regulation of alternative energy sellers under the National Energy Retail Law Executive Summary This submission supports the framework

More information

Application for Individual Retail Exemption

Application for Individual Retail Exemption Application for Individual Retail Exemption GDY Solar Pty Ltd 13 March 2015 Document Number: SOL-FN-EX-FRC-01191-2.0 Release Statement This document is copyright. Except for the purposes permitted under

More information

National Consumer Credit Protection Amendment (Credit Reform Phase 2) Bill 2012

National Consumer Credit Protection Amendment (Credit Reform Phase 2) Bill 2012 Mr Christian Mikula Manager, Disclosure and International Unit Retail Investor Division The Treasury Langton Crescent PARKES ACT 2600 By email: creditphase2bill@treasury.gov.au 1 March 2013 National Consumer

More information

Regulating Innovative Energy Selling Business Models

Regulating Innovative Energy Selling Business Models 16 February 2015 Sarah Proudfoot General Manager Retail Markets Branch Australian Energy Regulator GPO Box 520 Melbourne VIC 3001 Submitted by email to: aerinquiry@aer.gov.au Regulating Innovative Energy

More information

Retail Licence Exemptions for Solar Power Purchase Agreement Providers. Department of Finance Public Utilities July 2015

Retail Licence Exemptions for Solar Power Purchase Agreement Providers. Department of Finance Public Utilities July 2015 2/164 Balcatta Rd, Balcatta WA 6021 1300 897 441 www.carbonfootie.com.au Retail Licence Exemptions for Solar Power Purchase Agreement Providers Carbon Footie Submission to Draft Recommendations Report

More information

Solar Power Purchase Agreement Law 101

Solar Power Purchase Agreement Law 101 All-Energy 2015 7&8 October Solar Power Purchase Agreement Law 101 Presentation by Jane Wild What we cover today? 1. Key Features of a PPA 2. Regulatory overview of retail energy law 3. Different models

More information

2 March 2015. Mutual Recognition Schemes Study Productivity Commission Locked Bag 2 Collins Street East MELBOURNE VIC 8003

2 March 2015. Mutual Recognition Schemes Study Productivity Commission Locked Bag 2 Collins Street East MELBOURNE VIC 8003 2 March 2015 Mutual Recognition Schemes Study Productivity Commission Locked Bag 2 Collins Street East MELBOURNE VIC 8003 Sent via email to: mutual.recognition@pc.gov.au Dear Commissioner, Master Electricians

More information

Accounting and Controls in law practices

Accounting and Controls in law practices Accounting and Controls in law practices TRUST MONEY & TRUST RECORDS Accounting and Support Staff Trust Accounts Department Law Society of New South Wales 170 Phillip Street, Sydney NSW 2000 1 July 2015

More information

A VENDOR FINANCIER S GUIDE TO THE NEW NATIONAL CREDIT ACT

A VENDOR FINANCIER S GUIDE TO THE NEW NATIONAL CREDIT ACT A VENDOR FINANCIER S GUIDE TO THE NEW NATIONAL CREDIT ACT Anthony J Cordato* Overview The new National Credit Act - officially, the National Consumer Credit Protection Act - will commence on I July 2010

More information

BEST PRACTICE REGULATION OF THE AUSTRALIAN SOLAR INDUSTRY CLEAN ENERGY COUNCIL FEBRUARY 2015

BEST PRACTICE REGULATION OF THE AUSTRALIAN SOLAR INDUSTRY CLEAN ENERGY COUNCIL FEBRUARY 2015 BEST PRACTICE REGULATION OF THE AUSTRALIAN SOLAR INDUSTRY CLEAN ENERGY COUNCIL FEBRUARY 2015 1 This paper outlines the current regulatory framework for the Australian solar industry, and the range of initiatives

More information

Draft Decision. Approach to compliance with the National Energy Retail Law, Rules and Regulations

Draft Decision. Approach to compliance with the National Energy Retail Law, Rules and Regulations Draft Decision Approach to compliance with the National Energy Retail Law, Rules and Regulations December 2010 Commonwealth of Australia 2010 This work is copyright. Apart from any use permitted by the

More information

Founded 35 years ago, the ATA is a National, not-for-profit organisation whose 5,500 members are residential energy consumers.

Founded 35 years ago, the ATA is a National, not-for-profit organisation whose 5,500 members are residential energy consumers. 1 Energy Market Reform Working Group COAG Energy Council Secretariat GPO Box 9839 Canberra ACT 2601 Submitted by email to: energycouncil@industry.gov.au 30 th March 2015 Dear Energy Market Reform Working

More information

COMPLIANCE FRAMEWORK AND REPORTING GUIDELINES

COMPLIANCE FRAMEWORK AND REPORTING GUIDELINES COMPLIANCE FRAMEWORK AND REPORTING GUIDELINES DRAFT FOR CONSULTATION June 2015 38 Cavenagh Street DARWIN NT 0800 Postal Address GPO Box 915 DARWIN NT 0801 Email: utilities.commission@nt.gov.au Website:

More information

Code of Conduct for Marketing Retail Energy in Victoria

Code of Conduct for Marketing Retail Energy in Victoria Code of Conduct for Marketing Retail Energy in Victoria January 2009 TABLE OF CONTENTS Page INTRODUCTION...1 1. MARKETING REPRESENTATIVES - TRAINING...3 2. CONTACT WITH CONSUMERS...4 2.1 Personal contact...4

More information

Inquiry into Inset (or Embedded) Electricity Networks

Inquiry into Inset (or Embedded) Electricity Networks Inquiry into Inset (or Embedded) Electricity Networks Submission by the Shopping Centre Council of Australia 21 February 2013 TABLE OF CONTENTS Topic Page Executive Summary... 3 1. What is an inset scheme?...

More information

Competition & Consumer Law Developments For 2015: What Your Clients Will Need To Know

Competition & Consumer Law Developments For 2015: What Your Clients Will Need To Know Competition & Consumer Law Developments For 2015: What Your Clients Will Need To Know ACCC Deputy Chair Dr Michael Schaper IPA National Congress Hunter Valley, NSW Saturday 29 th November 2014 The ACCC

More information

Energy Retail Market: What will you

Energy Retail Market: What will you 2 Energy Retail Market: 35 190 10 115 25 10 What will you FREE 50 25 20 350 2 8 99 16 May 2014 EnergyRetailMarket:AdditionalFeesandCharges Disclaimer The fee and bill calculations presented in this report

More information

Customer Service Charter Guidelines

Customer Service Charter Guidelines Customer Service Charter Guidelines August 2006 Customer Service Charter Guidelines August 2006 1 Contents 1 What are the Customer Service Charter Guidelines? 2 2 What is a Customer Service Charter? 2

More information

Managing energy services at home. A guide to rights, contracts and bills

Managing energy services at home. A guide to rights, contracts and bills Managing energy services at home A guide to rights, contracts and bills Managing energy services at home A guide to rights, contracts and bills Australian Competition and Consumer Commission GPO Box 3131,

More information

About CovaU Pty Ltd. This Customer Charter. Thank you for choosing CovaU.

About CovaU Pty Ltd. This Customer Charter. Thank you for choosing CovaU. [CUSTOMER CHARTER] About CovaU Pty Ltd Thank you for choosing CovaU. What is simple about your energy bills? Not much at the moment, but here at CovaU we are changing things. At CovaU our business is about

More information

Customer Charter. About CovaU Pty Ltd. This Customer Charter. Thank you for choosing CovaU.

Customer Charter. About CovaU Pty Ltd. This Customer Charter. Thank you for choosing CovaU. Customer Charter About CovaU Pty Ltd Thank you for choosing CovaU. What is simple about your energy bills? Not much at the moment, but here at CovaU we are changing things. At CovaU our business is about

More information

CGU Insurance Limited ABN 27 004 478 371 (an IAG Company) Submission to VICTORIAN COMPETITION AND EFFICENCY COMMISSION

CGU Insurance Limited ABN 27 004 478 371 (an IAG Company) Submission to VICTORIAN COMPETITION AND EFFICENCY COMMISSION CGU Insurance Limited ABN 27 004 478 371 (an IAG Company) Submission to VICTORIAN COMPETITION AND EFFICENCY COMMISSION INQUIRY INTO REGULATIONS OF THE HOUSING CONSTRUCTION SECTOR AND RELATED ISSUES Submitted:

More information

Telecommunications Industry Ombudsman Submission on the Australian Consumer Law draft Regulations. October 2010

Telecommunications Industry Ombudsman Submission on the Australian Consumer Law draft Regulations. October 2010 Telecommunications Industry Ombudsman Submission on the Australian Consumer Law draft Regulations Telecommunications Industry Ombudsman Contents About the TIO 1 The Australian Consumer Law draft Regulations

More information

NSW Fair Trading Response to CHOICE Super Complaint on Electricity Switching Websites

NSW Fair Trading Response to CHOICE Super Complaint on Electricity Switching Websites NSW Fair Trading Response to CHOICE Super Complaint on Electricity Switching Websites Monday, July 02, 2012 NSW Fair Trading NSW Department of Finance & Services State of New South Wales, through NSW Fair

More information

April 2012 OPERATING PROCEDURE COMPENSATION FOR WRONGFUL DISCONNECTION

April 2012 OPERATING PROCEDURE COMPENSATION FOR WRONGFUL DISCONNECTION April 2012 OPERATING PROCEDURE COMPENSATION FOR WRONGFUL DISCONNECTION i TABLE OF CONTENTS 1. BACKGROUND... 1 1.1 Purpose... 1 1.2 Legislative intent and context... 1 1.3 Scope... 1 1.4 Commencement...

More information

Office of the Small Business Commissioner

Office of the Small Business Commissioner Office of the Small Business Commissioner 2 Office of the Small Business Commissioner Overview NSW has a relative advantage as the most populous Australian state and home to the largest concentration of

More information

APPLICATION FOR INDIVIDUAL RETAIL EXEMPTION. 8 July 2014. SOLAR PANELS Pty Ltd ACN 169 737 044

APPLICATION FOR INDIVIDUAL RETAIL EXEMPTION. 8 July 2014. SOLAR PANELS Pty Ltd ACN 169 737 044 APPLICATION FOR INDIVIDUAL RETAIL EXEMPTION 8 July 2014 SOLAR PANELS Pty Ltd ACN 169 737 044 INTRODUCTION Solar Panels Pty Ltd ( Solar Panels ) has developed a 15-year solar Power Purchase Agreement (

More information

INQUIRY INTO PROPOSALS TO LIFT THE PROFESSIONAL, ETHICAL AND EDUCATION STANDARDS IN THE FINANCIAL SERVICES INDUSTRY

INQUIRY INTO PROPOSALS TO LIFT THE PROFESSIONAL, ETHICAL AND EDUCATION STANDARDS IN THE FINANCIAL SERVICES INDUSTRY NATIONAL/NSW SECRETARIAT PO Box 604 Neutral Bay NSW 2089 Telephone 1300 554 817 Facsimile 02 9967 2896 Email enquiries@mfaa.com.au www.mfaa.com.au INQUIRY INTO PROPOSALS TO LIFT THE PROFESSIONAL, ETHICAL

More information

Building Indemnity Insurance - South Australia Policy Wording

Building Indemnity Insurance - South Australia Policy Wording Building Indemnity Insurance - South Australia Policy Wording CBW BII SA 1213 Effective Date 01 December 2013 Welcome to the financial security provided by Calliden Building Indemnity Insurance - South

More information

NATIONAL PARTNERSHIP AGREEMENT ON E-HEALTH

NATIONAL PARTNERSHIP AGREEMENT ON E-HEALTH NATIONAL PARTNERSHIP AGREEMENT ON E-HEALTH Council of Australian Governments An agreement between the Commonwealth of Australia and the States and Territories, being: The State of New South Wales The State

More information

HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA POLICY WORDING

HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA POLICY WORDING POLICY WORDING HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA GLA RBUA HII WA 1115 Effective Date 01 November 2015 Welcome to the financial security provided by RBUA Home Indemnity Insurance - Western Australia

More information

Customer Service Charter Guidelines

Customer Service Charter Guidelines Draft Customer Service Charter Guidelines July 2006 DRAFT Customer Service Charter Guidelines July 2006 1 Contents 1 What are the Customer Service Charter Guidelines? 3 2 What is a Customer Service Charter?

More information

Submission by the Australian Newsagents Federation (ANF)

Submission by the Australian Newsagents Federation (ANF) Submission by the Australian Newsagents Federation (ANF) Resolution of Small Business Disputes Options Paper May 2011 30 th of June 2011 ANF Submission on Resolution of Small Business Disputes Options

More information

CREDIT REPAIR AUSTRALIA Pty Ltd ( CRA ) A.C.N 103 959 502 CODE OF CONDUCT IN RELATION TO CREDIT RESTORATION SERVICES

CREDIT REPAIR AUSTRALIA Pty Ltd ( CRA ) A.C.N 103 959 502 CODE OF CONDUCT IN RELATION TO CREDIT RESTORATION SERVICES CREDIT REPAIR AUSTRALIA Pty Ltd ( CRA ) A.C.N 103 959 502 CODE OF CONDUCT IN RELATION TO CREDIT RESTORATION SERVICES 1. SHORT TITLE 1. Short title. 2. Background & Purposes. 3. Definitions. 4. Prohibited

More information

ACCC/ASIC 'Debt collection guideline for collectors and creditors' publication review

ACCC/ASIC 'Debt collection guideline for collectors and creditors' publication review 1 November 2012 Mr Richard Weksler Assistant Director Compliance Strategies Branch Australian Competition & Consumer Commission Level 35 360 Elizabeth Street MELBOURNE VIC 3000 By email: richard.weksler@accc.gov.au

More information

National Electricity (Victoria) Act 2005

National Electricity (Victoria) Act 2005 Section Authorised Version No. 022 National Electricity (Victoria) Act 2005 Authorised Version incorporating amendments as at 1 November 2015 TABLE OF PROVISIONS Page Part 1 Preliminary 1 1 Purpose 1 2

More information

ALL NATION FINANCE PTY LTD ATF THE ALL NATION UNIT TRUST TRADING AS ALL NATION FINANCE

ALL NATION FINANCE PTY LTD ATF THE ALL NATION UNIT TRUST TRADING AS ALL NATION FINANCE CREDIT GUIDE & QUOTE ALL NATION FINANCE PTY LTD ATF THE ALL NATION UNIT TRUST TRADING AS ALL NATION FINANCE ABN: 68 686 536 129 Address: 10 Lancaster Road, Wangara WA 6065 Australian Credit Licence No:

More information

Compliance and enforcement. How regulators enforce the Australian Consumer Law

Compliance and enforcement. How regulators enforce the Australian Consumer Law Compliance and enforcement How regulators enforce the Australian Consumer Law This publication was developed by: Australian Capital Territory Office of Regulatory Services Australian Competition and Consumer

More information

Regulatory Implications of New Products and Services in the Australian Electricity Market

Regulatory Implications of New Products and Services in the Australian Electricity Market 2 March 2015 Practice Group: Energy Regulatory Implications of New Products and Services in the Australian Australia Energy Alert By Jenny Mee and Larissa Hauser The Energy Market Reform Working Group

More information

NATIONAL PARTNERSHIP AGREEMENT ON ENERGY EFFICIENCY

NATIONAL PARTNERSHIP AGREEMENT ON ENERGY EFFICIENCY NATIONAL PARTNERSHIP AGREEMENT ON ENERGY EFFICIENCY Council of Australian Governments An agreement between the Commonwealth of Australia and the States and Territories, being: The State of New South Wales

More information

You can read more about hardship variations on the Consumer Credit Code website www.creditcode.gov.au/

You can read more about hardship variations on the Consumer Credit Code website www.creditcode.gov.au/ Debt This chapter has information for people who have a debt, or who are experiencing financial troubles because of the February 2009 Victorian bushfires. It explains your options and rights and where

More information

Residential Tenancies and Rooming Accommodation Amendment Bill 2011

Residential Tenancies and Rooming Accommodation Amendment Bill 2011 Residential Tenancies and Rooming Accommodation Amendment Bill 2011 Explanatory Notes Title of the Bill Residential Tenancies and Rooming Accommodation Amendment Bill 2011 (the Bill) Objectives of the

More information

Home Indemnity Insurance - Western Australia Policy Wording

Home Indemnity Insurance - Western Australia Policy Wording Home Indemnity Insurance - Western Australia Policy Wording CBW HII WA 1213 Effective Date 01 December 2013 Welcome to the financial security provided by Calliden Home Indemnity Insurance - Western Australia

More information

ANZ COMMUNITY SELECT

ANZ COMMUNITY SELECT ANZ COMMUNITY SELECT TERMS AND CONDITIONS 0 2. 2 0 1 6 Contents 1.1 Defined Terms 4 1.2 Other Interpretation Provisions 5 1.3 Customer More Than One Person 5 2 Eligibility for ANZ Community Select Benefits

More information

Fitness industry guide to the code of practice

Fitness industry guide to the code of practice Government of Western Australia Department of Commerce Fitness industry guide to the code of practice An overview for the fitness industry Acknowledgements The fitness industry code of practice was developed

More information

COAG National Legal Profession Reform Discussion Paper: Professional Indemnity Insurance

COAG National Legal Profession Reform Discussion Paper: Professional Indemnity Insurance COAG National Legal Profession Reform Discussion Paper: Professional Indemnity Insurance Introduction Professional indemnity insurance is insurance that:... indemnifies professional people accountants,

More information

Queensland can get on with the job

Queensland can get on with the job The department s red tape reduction programs have made it easier and less costly for Queenslanders to get on with the job and do business in the State. Red tape reduction programs are also contributing

More information

Customer service performance of electricity retail suppliers. 1 July 2008 to 30 June 2013

Customer service performance of electricity retail suppliers. 1 July 2008 to 30 June 2013 Customer service performance of electricity retail suppliers 1 July 2008 to 30 June 2013 Electricity Information Paper December 2013 Independent Pricing and Regulatory Tribunal of New South Wales 2013

More information

2014 Residential Electricity Price Trends

2014 Residential Electricity Price Trends FINAL REPORT 2014 Residential Electricity Price Trends To COAG Energy Council 5 December 2014 Reference: EPR0040 2014 Residential Price Trends Inquiries Australian Energy Market Commission PO Box A2449

More information

We have appointed a number of Credit Representatives to provide services to you. Details of the Credit Representative with whom you are dealing are:

We have appointed a number of Credit Representatives to provide services to you. Details of the Credit Representative with whom you are dealing are: Beagle Finance Pty Ltd is licensed to arrange finance under the National Consumer Credit Protection Act 2009 (Cth.). This Act regulates the activities of lending, leasing and finance broking. 1. Key information

More information

The taxation treatment of Australian financial products is not the same as for New Zealand financial products.

The taxation treatment of Australian financial products is not the same as for New Zealand financial products. Overseas distribution No action has been taken to register or qualify the offer of Units under this PDS, or to otherwise permit a public offering of Units, in any jurisdiction outside Australia and New

More information

November 2013. www.apvi.org.au. Background

November 2013. www.apvi.org.au. Background APVI Response to the Australian Energy regulator s Issues Paper on Regulation of alternative energy sellers under the National Energy retail Law, Oct 2013 November 2013 Background The Australian Energy

More information

COMMONWEALTH GOVERNMENT RESPONSE TO THE PRODUCTIVITY COMMISSION INQUIRY: THE MARKET FOR RETAIL TENANCY LEASES IN AUSTRALIA

COMMONWEALTH GOVERNMENT RESPONSE TO THE PRODUCTIVITY COMMISSION INQUIRY: THE MARKET FOR RETAIL TENANCY LEASES IN AUSTRALIA COMMONWEALTH GOVERNMENT RESPONSE TO THE PRODUCTIVITY COMMISSION INQUIRY: THE MARKET FOR RETAIL TENANCY LEASES IN AUSTRALIA August 2008 SUMMARY 1. The former Treasurer asked the Productivity Commission

More information

THE NSW COMPULSORY THIRD PARTY GREEN SLIP INSURANCE SCHEME: SUBMISSION TO THE CONSULTATION ON THE PROPOSED REFORMS

THE NSW COMPULSORY THIRD PARTY GREEN SLIP INSURANCE SCHEME: SUBMISSION TO THE CONSULTATION ON THE PROPOSED REFORMS The Hon Greg Pearce MLC Minister for Finance & Services Minister for the Illawarra 5 April 2013 Dear Minister THE NSW COMPULSORY THIRD PARTY GREEN SLIP INSURANCE SCHEME: SUBMISSION TO THE CONSULTATION

More information

Home Warranty Insurance - Western Australia Insurance Policy

Home Warranty Insurance - Western Australia Insurance Policy Home Warranty Insurance - Western Australia Insurance Policy CBHWA WA 1208 Effective Date 01 December 2008 Important Information Duty of Disclosure This Policy is subject to the Insurance Contracts Act

More information

Postcode: Postcode: Australia Business Number (ABN):

Postcode: Postcode: Australia Business Number (ABN): New client form Name of your AJ Park contact: Account name: Trading name: Full name of contact person: Mobile: Street address: Postcode: Postal address (if different from street address): Postcode: Phone:

More information

Claims Management Services Regulation. Conduct of Authorised Persons Rules 2013 (2)

Claims Management Services Regulation. Conduct of Authorised Persons Rules 2013 (2) Claims Management Services Regulation Conduct of Authorised Persons Rules 2013 (2) Effective from 8 July 2013 Contents Introduction 1 Definitions 1 General Rules Principles 2 Conduct of Business 2 Professional

More information

Term Deposits. General Information and Terms and Conditions

Term Deposits. General Information and Terms and Conditions Term Deposits Dated 25 May 2015 General Information and Terms and Conditions You should read this brochure before making an investment. You can contact us: by telephone on 13 2221, 24 hours a day, 7 days

More information

Consumer Action Law Centre Policy and Campaigns Plan 2015-16

Consumer Action Law Centre Policy and Campaigns Plan 2015-16 Consumer Action Law Centre Policy and Campaigns Plan 2015-16 Consumer Action Law Centre is an independent, not-for profit consumer organisation based in Melbourne. We work to advance fairness in consumer

More information

Financial Ombudsman Service Terms of Reference response to submissions New South Wales / ACT Queensland NT / SA / Tas / WA Victoria

Financial Ombudsman Service Terms of Reference response to submissions New South Wales / ACT Queensland NT / SA / Tas / WA Victoria 28 May 2009 Mr Phil Khoury The Navigator Company Pty Ltd c/- Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001 Phil.khoury@thenavigator.com.au Financial Planning Association of Australia Limited

More information

Australian Energy Market Commission

Australian Energy Market Commission Australian Energy Market Commission Level 6, 201 Elizabeth Street Sydney NSW 2000 PO Box A2449, Sydney South NSW 1235 P 02 8296 7800 F 02 8296 7899 E aemc@aemc.gov.au ABN 49 236 270 144 www.aemc.gov.au

More information

Share Trading Policy. Australian Careers Network Limited ACN 168 592 434. Doc ID 165479751/v2

Share Trading Policy. Australian Careers Network Limited ACN 168 592 434. Doc ID 165479751/v2 Share Trading Policy Australian Careers Network Limited ACN 168 592 434 Ref 304685 Level 14, Australia Square, 264-278 George Street, Sydney Telephone +61 2 9334 8555 NSW 2000 Australia GPO Box 5408, Sydney

More information

Terms and conditions of the ACT Bundle Offer - discontinued

Terms and conditions of the ACT Bundle Offer - discontinued Terms and conditions of the ACT Bundle Offer - discontinued Effective 2 March 2015 this offer is no longer available Your agreement dictionary 1. Interpretation 1.1 A reference to: Account Holder means

More information

NSW Retail Tenant s Guide

NSW Retail Tenant s Guide NSW Retail Tenant s Guide This guide will help tenants understand the key aspects of leasing a retail shop. The landlord must give a prospective tenant this guide as soon as they start negotiating a lease.

More information

Credit Guide. Fax: (03) 9276 8000 (03) 8621 0032 Email Address. 294 Bay Road Cheltenham VIC 3192

Credit Guide. Fax: (03) 9276 8000 (03) 8621 0032 Email Address. 294 Bay Road Cheltenham VIC 3192 This Credit Guide provides you with the key information that you need to know to make an informed and confident choice when engaging our products and services. This Credit Guide summarises our goals and

More information

CREDIT GUIDE. We are not required to provide you a copy of our assessment if we do not enter into a contract with you.

CREDIT GUIDE. We are not required to provide you a copy of our assessment if we do not enter into a contract with you. Harmoney Australia Limited ABN 12 604 342 823 Unit 389, 4 Young Street Neutral Bay, NSW 2089 CREDIT GUIDE Welcome! Your credit provider is Harmoney Australia Limited (ABN 12 604 342 823) Australian Credit

More information

The Legal Aid Commission of NSW appreciates the opportunity to make submissions to the Task Force on Industry Self- Regulation.

The Legal Aid Commission of NSW appreciates the opportunity to make submissions to the Task Force on Industry Self- Regulation. 16 December 1999 Mr D Richardson Taskforce on Industry Self-Regulation Consumer Affairs Division The Treasury Parkes Place PARKES ACT 2600 Dear Sir RE: SUBMISSION BY THE NSW LEGAL AID COMMISSION The Legal

More information

INDEPENDENT PRICING AND REGULATORY TRIBUNAL OF NEW SOUTH WALES

INDEPENDENT PRICING AND REGULATORY TRIBUNAL OF NEW SOUTH WALES INDEPENDENT PRICING AND REGULATORY TRIBUNAL OF NEW SOUTH WALES QUALITY OF SERVICE INDICATORS FOR NEW SOUTH WALES ELECTRICITY RETAIL SUPPLIERS 1999-00 to 2001-02 1 1 INTRODUCTION New South Wales is a member

More information

LIV Limitation of Liability Scheme Guide UPDATED AUGUST 2015

LIV Limitation of Liability Scheme Guide UPDATED AUGUST 2015 LIV Limitation of Liability Scheme Guide UPDATED AUGUST 2015 2 Professional benefits for LIV members The LIV is pleased to have in force a Limitation of Liability Scheme pursuant to the Professional Standards

More information

[Type text] Associations. Eligibility to apply for a Scheme under Professional Standards Legislation. Dec 2014

[Type text] Associations. Eligibility to apply for a Scheme under Professional Standards Legislation. Dec 2014 Dec 2014 [Type text] Policy A Framework Statement for on Compliance Business Entity Associations Eligibility to apply for a Scheme under Professional Standards Legislation Table of contents 1. Introduction...

More information

NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) SUBMISSION TO THE ECONOMIC REGULATION AUTHORITY

NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) SUBMISSION TO THE ECONOMIC REGULATION AUTHORITY NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) SUBMISSION TO THE ECONOMIC REGULATION AUTHORITY INQUIRY INTO WESTERN AUSTRALIA S HOME INDEMNITY INSURANCE ARRANGEMENTS ABOUT NIBA 16 August 2012

More information

WHISTLEBLOWERS LEGISLATION

WHISTLEBLOWERS LEGISLATION Northern Territory Law Reform Committee Report on WHISTLEBLOWERS LEGISLATION Report No. 26 December 2002 2. Recommendations 1. The Committee recommends that, if the Legislative Assembly of the Northern

More information

YOUR PRACTICAL GUIDE TO THE LAW IN NEW SOUTH WALES

YOUR PRACTICAL GUIDE TO THE LAW IN NEW SOUTH WALES The Law Handbook YOUR PRACTICAL GUIDE TO THE LAW IN NEW SOUTH WALES 13th EDITION REDFERN LEGAL CENTRE PUBLISHING Published in Sydney by Thomson Reuters (Professional) Australia Limited ABN 64 058 914 668

More information

* Licensed in this guidance note refers to holding an Australian Credit Licence (ACL) or being a credit representative of an ACL.

* Licensed in this guidance note refers to holding an Australian Credit Licence (ACL) or being a credit representative of an ACL. FINANCIAL ADVISORY SERVICES Consumer credit reform Guidance for CPA Australia Public Practitioners February 2011 Introduction On 1 July 2010 ASIC took over the regulation of consumer credit and finance

More information

Clean Energy Council submission to Queensland Competition Authority Regulated Retail Electricity Prices for 2014-15 Interim Consultation Paper

Clean Energy Council submission to Queensland Competition Authority Regulated Retail Electricity Prices for 2014-15 Interim Consultation Paper Clean Energy Council submission to Queensland Competition Authority Regulated Retail Electricity Prices for 2014-15 Interim Consultation Paper Executive Summary The Clean Energy Council (CEC) supports

More information

Submission to The WA Government Inquiry into Housing Indemnity Insurance

Submission to The WA Government Inquiry into Housing Indemnity Insurance Submission to The WA Government Inquiry into Housing Indemnity Insurance 16 th August 2012 Introduction MBA Insurance Services (MBAIS) is the general insurance brokerage owned by six of the Master Builders

More information

Submission by AFA Pty Ltd on the development of new Terms of Reference for the Financial Ombudsman Service

Submission by AFA Pty Ltd on the development of new Terms of Reference for the Financial Ombudsman Service Submission by AFA Pty Ltd on the development of new Terms of Reference for the Financial Ombudsman Service Preamble AFA Pty Ltd does not operate as an insurer in its own right, but offers its products

More information

Lombard Visa Card Account Conditions of Use

Lombard Visa Card Account Conditions of Use Lombard Finance Pty Limited Phone: 1300 132 302 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit Licence 247 415 V0312 Lombard Visa Card Account Conditions of Use Your contract

More information

Business Credit Account Application

Business Credit Account Application Business Credit Account Application The convenient way to streamline your business An Australia Post credit account can help you do business everyday. For instance, you can charge: Letter & parcel services

More information

The General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600. Dear Sir/Madam. Tax Agent Services Bill

The General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600. Dear Sir/Madam. Tax Agent Services Bill The General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600 Financial Planning Association of Australia Limited ABN 62 054 174 453 Level 4, 75 Castlereagh Street Sydney NSW

More information

Principal Members. February 1, 2007. Review of Australia s Consumer Policy Framework Productivity Commission PO Box 1428 Canberra ACT 2616

Principal Members. February 1, 2007. Review of Australia s Consumer Policy Framework Productivity Commission PO Box 1428 Canberra ACT 2616 February 1, 2007 Principal Members Review of Australia s Consumer Policy Framework Productivity Commission PO Box 1428 Canberra ACT 2616 Via email: consumer@pc.gov.au The Australasian Compliance Institute

More information

Building Code 2013 Supporting Guidelines for Commonwealth Funding Entities

Building Code 2013 Supporting Guidelines for Commonwealth Funding Entities Building Code 2013 Supporting Guidelines for Commonwealth Funding Entities 1 February 2013 Supporting Guidelines for Commonwealth Funding Entities, issued 1 February 2013 With the exception of the Commonwealth

More information

Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide. Australian Financial Services and Credit Licence No: 328141

Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide. Australian Financial Services and Credit Licence No: 328141 Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide Australian Financial Services and Credit Licence No: 328141 Date prepared: 19 May 2015 What is the purpose of this Financial Services Guide? This

More information

BANK OF MELBOURNE PACKAGE. Terms and Conditions

BANK OF MELBOURNE PACKAGE. Terms and Conditions BANK OF MELBOURNE ADVANTAGE PACKAGE. Terms and Conditions Effective Date: 16 November 2015 Parts A, B and C of this booklet comprise the terms and conditions that apply to the package. Part A Summary of

More information

Credit Guide and Quote

Credit Guide and Quote This document must be given to each borrower promptly after it appears likely that credit assistance will be provided. Credit Guide and Quote This document provides important information about the services

More information

The general insurance industry in Australia

The general insurance industry in Australia 2 The general insurance industry in Australia 2.1 This chapter provides first a description of the general insurance industry in Australia. It then details the complex regulatory framework within which

More information

BRCWG REPORT CARD ON PROGRESS OF DEREGULATION PRIORITIES

BRCWG REPORT CARD ON PROGRESS OF DEREGULATION PRIORITIES BRCWG REPORT CARD ON PROGRESS OF DEREGULATION PRIORITIES National Partnership Agreement to Deliver a Seamless National Economy (SNE NP) 1. Occupational Health and Safety The national occupational health

More information

Gas Prices Fact Sheet Lumo Advantage Prices included in this fact sheet are effective from 30 July 2012. Offer Details:

Gas Prices Fact Sheet Lumo Advantage Prices included in this fact sheet are effective from 30 July 2012. Offer Details: Gas Prices Fact Sheet Lumo Advantage Prices included in this fact sheet are effective from 30 July 2012. Offer Details: Discount: Eligibility: This offer is for the Lumo Advantage Market Gas Contract.

More information

Submission in response to the Life Insurance and Advice Working Group Interim Report on Retail Life Insurance

Submission in response to the Life Insurance and Advice Working Group Interim Report on Retail Life Insurance 30 January 2015 Mr John Trowbridge Chairman Life Insurance and Advice Working Group Email: submissions@trowbridge.com.au Dear Mr Trowbridge, Submission in response to the Life Insurance and Advice Working

More information

JOINT COMMUNIQUE MINISTERIAL MEETING ON PUBLIC LIABILITY INSURANCE. Brisbane 15 November 2002

JOINT COMMUNIQUE MINISTERIAL MEETING ON PUBLIC LIABILITY INSURANCE. Brisbane 15 November 2002 JOINT COMMUNIQUE MINISTERIAL MEETING ON PUBLIC LIABILITY INSURANCE Brisbane 15 November 2002 Commonwealth, State and Territory Ministers and the Senior Vice President of the Australian Local Government

More information

UNISCOPE COMMUNICATIONS PTY LTD. P a g e 1 ABN: 80 159 470 943. Unit 3/10, Advantage Way, Wangara, Western Australia, 6065.

UNISCOPE COMMUNICATIONS PTY LTD. P a g e 1 ABN: 80 159 470 943. Unit 3/10, Advantage Way, Wangara, Western Australia, 6065. UNISCOPE COMMUNICATIONS PTY LTD ABN: 80 159 470 943 Unit 3/10, Advantage Way, Wangara, Western Australia, 6065. T: (08) 6555 5850 E: info@uniscope.com.au W: www.uniscope.com.au P a g e 1 Table of Contents

More information