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| Consumer reports ASIC submissions Financial literacy research Financial literacy research international | See also: ASIC annual reports EFT Code monitoring reports |
Consumer reports | |||
| Year | Subject | Report | Description |
| 2009 | CONSUMER PROTECTION | Helping home borrowers in financial hardship May 2009 | Examines the processes and procedures lenders and brokers have in place to deal with borrowers experiencing difficulties in meeting the repayments on their mortgage. |
| 2008 | CONSUMER PROTECTION Investor behaviour | Australian investors at a glance April 2008 | Summarises the findings of research about Australian investors, including what influences their investment decisions. |
 | CASH & FIXED INTEREST Debentures | Understanding investors in the unlisted, unrated (UUD) market April 2008 | Findings of research about Australian investors in UUDs, including who invests and what influences them. |
| LOANS & CREDIT Home loans | Review of mortgage entry and exit fees April 2008 | An industry review of entry and exit fees that apply to home mortgage accounts. |
| LOANS & CREDIT Home loans | Protecting wealth in the family home Mar 2008 | Examines the financial impact of borrowers refinancing. |
| 2007 | LOANS & CREDIT Equity release | All we have is this house Nov 2007 | Examines the experiences of home-owners with a reverse mortgage. |
| 2006 | CONSUMER EDUCATION | Helping consumers and investors Dec 2006 | ASIC's approach to consumer education. |
| SUPER | Shadow shopping survey on superannuation advice Apr 2006 | Examines experiences of people who got financial advice about their super. |
| 2005 | LOANS & CREDIT Equity release | Equity release products - Executive summary Nov 2005 | Includes questions to ask when considering these products. |
| DEBT COLLECTION | ACCC/ASIC debt collection guidelines Oct 2005 | How the Trade Practices Act and the ASIC Act apply to debt collection conduct. |
| DEBT COLLECTION | Collecting statute-barred debts Sept 2005 | Debt collection industry practices. |
| INSURANCE | Getting home insurance right Sept 2005 | Examines the underinsurance of home buildings in Australia. |
| 2004 | RETIREES | Consumer decision making at retirement July 2004 | This report reveals that there is a low level of planning by retirees before they retire. |
| FINANCIAL SERVICES Disclosure | Disclosure of soft dollar benefits - financial planning industry July 2004 | ‘Soft dollar’ is any benefit received other than a basic cash commission or a direct client fee. |
| FINANCIAL SERVICES Disclosure | Preferential remuneration Apr 2004 | Examines whether consumers were receiving advice and disclosure required by law. |
| 2003 | FINANCIAL LITERACY | Financial literacy in schools - Responses to discussion paper June 2003 | Examines financial literacy teaching in Australian secondary schools. |
| FINANCIAL SERVICES | Finance and mortgage broker industry Mar 2003 | Prepared by the Consumer Credit Legal Centre NSW for ASIC. |
| FINANCIAL SERVICES | Quality of financial planning advice Feb 2003 | ASIC/ACA research report. |
| FINANCIAL SERVICES Disclosure | Tax-driven mass-marketed schemes Feb 2003 | Report into the quality of advice and disclosure provided for primary production managed investment schemes. |
| 2002 | FINANCIAL SERVICES Disclosure | Use of past performance in investment advertising Sept 2002 | An ASIC discussion paper. |
| CONSUMER EDUCATION | Good practice in consumer education for Indigenous people Sept 2002 | This report was undertaken to assist ASIC to provide effective consumer education to Indigenous people. |
| FINANCIAL SERVICES Disclosure | Disclosure of fees and charges in managed investments Sept 2002 | Review of Australian requirements and options for reform. |
| FINANCIAL SERVICES Disclosure | Guide to good transaction fee disclosure June 2002 | Guide to transaction fee disclosure for bank, building society and credit union deposit and payments products. |
| SCAMS | International cold calling investment scams June 2002 Hook, Line & Sinker: Who takes the bait in cold calling scams? June 2002 | ASIC reports into international telemarketing scams. |
| CONSUMER EDUCATION Indigenous | Book up: Some Consumer Problems Mar 2002 | A report on issues for consumer using the "book up" system."Book up" is a form of store credit common in regional Australia. | |
| 2001 | CONSUMER EDUCATION | What is Effective Consumer Education? - a literature review Dec 2001 | Research report prepared for ASIC by The Centre for Popular Education, UTS. |
| CONSUMER EDUCATION | ASIC's consumer education strategy 2001 – 2004 Oct 2001 | Desribes ASIC's consumer education role and priorities. |
| FINANCIAL SERVICES | Account aggregation in the financial services sector issues paper - Executive summary to issues paper May 2001 | Account aggregation services allow consumers to view their online accounts with a range of institutions. ASIC conducted a survey into aggregation services in Australia. |
| INSURANCE | Life insurance disability insurance campaign report Feb 2001 | Between May and September 2000 ASIC conducted a national surveillance campaign into advice and selling practices relating to disability insurance. |
| 2000 | FINANCIAL SERVICES Disclosure | Better disclosure for investors Aug 2000 | ASIC regulatory guide. Practical steps a listed company can take to ensure that it meets continuous disclosure requirements. |
| INSURANCE | Consumer understanding of flood insurance June 2000 | Adequacy of disclosure, industry sales processes and some aspects of claims handling for flood insurance. |
| 1999 | CONSUMER EDUCATION | Stocktake of consumer education in financial services July 1999 | Research and reports by the Financial Services Consumer Policy Centre for ASIC. |
ASIC submissions | ||
| 2008 | Australian Competition and Consumer Commission - eBay International AG exclusive dealing notification N93365 - interested party consultation May 2008 | ASIC submission to ACCC regarding ASIC's role as licensing authority for financial services provinded by PayPal Australia Pty Ltd. |
| Inquiry into the Australian Securities and Investments Commission (Fair Bank & Credit Card Fees) Amendment Bill 2008 April 2008 | ASIC submission to Senate Standing Committee on Economics |
| 2007 | Inquiry into Home Lending Practices and Processes July 2007 | ASIC submission to House of Representatives Standing Committee on Economics, Finance and Public Administration. |
| Inquiry into Older People and the Law June 2007 | ASIC submission to House of Representatives Standing Committee report. Includes impact of financial abuse and fraud on older Australians. |
| 2000 | Banking Code review September 2000 | ASIC submission to the Review of the Code of Banking Practice |
| Credit Union Code review August 2000 | ASIC submission to the Review of the Credit Union Code of Practice |
| Inquiry into fees on electronic and telephone banking June 2000 | ASIC submission to the Parliamentary Joint Committee on Corporations and Securities. |
| Inquiry into superannuation and financial services January 2000 | ASIC’s submission to the Senate Select Committee on Superannuation and Financial Services |
Financial literacy research | ||
| 2008 | ANZ Survey of adult financial literacy in Australia ANZ and the Social Research Centre October 2008 | The third ANZ Survey of adult literacy in Australia used to monitor the benchmark measures. The surveys include both direct measures of financial literacy and attitudinal and behavioural information useful in explaining and understanding this concept. |
| Financial literacy: Women understanding money Financial Literacy Founcation April 2008 | This report takes a closer look at the findings of the Financial literacy: Australians understanding money research findings for women. |
| 2007 | Financial literacy: Australians understanding money Financial Literacy founcation and DBM Consultants September 2007 | A survey of 7,500 Australians adged 12 to 75 for self-assessed ability, understanding, attitudes and behaviour in regard to using and managing money. |
| 2006 | Australian financial literacy assessment Commonwealth Bank Foundation and University of NSW's educational Assessment Australian (eAA) | A repeat of the 2005 Australian Financial Literacy Assessment (AFLA) with 50,000 Year 9 and Year 10 students participating from over 500 schools, from all states and territories. |
| 2005 | ANZ survey of adult financial literacy in Australia ANZ and AC Nielsen November 2005 | The second ANZ Survey of adult financial literacy in Australia. A repeat of the 2002 survey of the financial literacy levels of 3,500 adult Australians. |
| Understanding personal debt & financial difficulty in Australia ANZ and AC Nielson November 2005 | |
| Australian financial literacy assessment Commonwealth bank Foundation and University of NSW's educational Assessment Australia | The first nationwide research (AFLA) undertaken to determine the level of financial literacy of Australian Year 9 and Year 10 students. |
| 2004 | A report on financial exclusion in Australia ANZ and ChantLink & Associates November 2004 | This report presents an overview of the current literature, available data and expert opinions on financial exclusion in Australia. The report was commissioned by ANZ, so that policies and programs to address financial exclusion could be better informed. |
| 2003 | ANZ Survey of adult financial literacy in Australia ANZ and roy Morgam Research May 2003 | The first ANZ Survey of adult financial literacy in Australia. A survey of the financial literacy levels of 3,500 adult Australians conducted to establish a benchmark of the community's financial literacy. |
Financial literacy research international | ||
| 2008 | Financial Capability: A Behavioural Economics Perspective Prepared for the Financial Services Authority (UK) by David de Meza, Bernd Irlenbusch, Diane Reyniers London School of Economics July 2008 | A review of behavioural economics literature on the likely impact of financial capability initiatives on behaviour. |
| The National Strategy for Financial Literacy The Retirement Commission (NZ) June 2008 | The strategy aims to achieve a financially literate population where New Zealanders are financially well-educated and can make informed financial decisions throughout their lives. |
| 2006 | Levels of Financial Capability in the UK: Results of a baseline survey Prepared for the Financial Services Authority by Personal Finance Research University of Bristol - Adele Atkinson, Stephen McKay, Elaine Kempson and Sharon Collard. March 2006 | The results of the Financial Services Authority (FSA) survey to measure levels of financial capability in the UK. |
| 2005 | Measuring financial capability: an exploratory study Prepared for the Financial Services Authority by Personal Finance Research University of Bristol | The exploratory study by the FSA to design a questionnaire that could be used to measure levels of financial capability. |
