Care inc. is a community organisation set up to ensure low income consumers are treated fairly and have support to overcome debt.

 

policy documents

 

ACT Policy Matters

2008 -2009 Budget Comments

September 2007

Banking and Financial Services

Submission to the Banking Code Compliance Monitoring Committee's Inquiry into Bank compliance with Clause 29 of the Banking Code.

Care Inc.  August 2007

"Inquiry into home lending practices and processes used to deal with people in financial difficulty"

Care Inc and CCLC submission to the House of Representatives Standing Committee on Economic, Financial and Public Administration. July 2007

Reviewing the EFT Code of Conduct

ASIC Consultation paper  January 2007   Consumer caseworker submission

"Northern Exposure"

A speech presented by David Tennant to a Banking Forum 10 May 2006

Consumer Protection and Competition

Bankruptcy

Debt Collection

Debt Collection—Harmonisation Regulation

Debt Collection—Harmonisation Regulation

Response to options paper

Energy/Utilities

Retail prices for franchise electricity customers 2012-14

Draft Report to ICRC —Retail prices for franchise electricity customers 2012-14 — Report 2 of 2012 —April 2012

Guidance on AER approval of customer hardship policies

Response to discussion paper—Dec 2010

Energy Smart Capital – An Energy Efficiency Scheme for the ACT

Response to Stakeholder Consultation Paper

Options for an Expanded ACT Electricity Feed-in Tariff Scheme

Response to Discussion Paper: National Capital to solar Capital

Response to ACT draft Sustainable Energy Policy 2010-2020

 

Housing

"Inquiry into home lending practices and processes used to deal with people in financial difficulty"

Care Inc and CCLC submission to the House of Representatives Standing Committee on Economic, Financial and Public Administration.  July 2007

They still want to take our house

A further investigation into house repossessions in the ACT Supreme Court   Consumer Legal Centre of the ACT and the Centre for Commercial Law ANU  December 2007

"They want to take our house"

An investigation into house repossessions in the ACT Supreme Court —Amy Kilpatrick  Consumer Law Centre, September 2006

ACT Ministerial Housing Summit Feb 28 2006

Written comments submitted 31 March 2006

Financial Counselling

Can financial counsellors engage with the best of Social Responsibility initiatives in banking and financial services and still meet the primary responsibilities to their clients

A speech presented at the Australian Financial Counselling and Credit Reform Association (AFCCRA) National Conference. Melbourne 2006

"Riding the roller coaster"

A speech presented by David Tennant at the FCAN Annual conference. 22 May 2006

"With opportunity comes responsibility for the financial counselling sector"

A speech by David Tennant at the Financial Counselling Association of Queensland Annual Conference  14 March 2006

Financial Literacy and Inclusion

"Do we really have to find out whether it is better to burn out than to fade away—Future proofing the focus on financial literacy and inclusion"

A speech presented at the Financial Literacy and Inclusion Forum. 28 June 2006

Gambling

Response to the ACT Gambling and Racing Commission

Discussion Paper on Gambling and Racing Control (Code of Practice) Regulation 2002

Health and Medical Credit

House Standing Committee on Health and Ageing Enquiry into Health Funding

Submission made by the Consumer Law Centre of the ACT  September 2006

Household Debt

The credit crisis we did not have to have.

A paper presented by David Tennant at the NILS Conference Adelaide. 19 May 2008.

Senate Inquiry into household debt

Submission. February 2005

Human Rights

Human Rights Act 2004 Review

Submission by Care Inc and the Consumer Law Centre of the ACT  September 2006

National Credit Reforms

Green Paper on Phase Two of the COAG National Credit Reforms

August 2010

National Disability Insurance

National Disability Insurance Scheme Bill 2012

Response to the Inquiry into the National Disability Insurance Scheme Bill 2012

No Interest Loan Scheme (NILS)

The credit crisis we did not have to have.

A paper presented by David Tennant at the NILS Conference Adelaide. 19 May 2008.

Is corporate social responsibility safe and sustainable.

A speech presented by David Tennant at the NILS Forum. 10 May 2007

"What's in a name? - Lots, actually..."

Speech presented at the National No Interest Loan Scheme Forum. 11 May 2006

Payday Lending

Strategies for reducing reliance on high cost, short term, small amount lending

Discussion Paper—April 2012

Review of the effectiveness of an online database for small amount lenders

Submission to ASIC/ Consultation Paper 198

Social Security

Social Security Legislation Amendment (Fair Incentives to Work) Bill 2012

Review of the effectiveness of an online database for small amount lenders

Submission to ASIC/ Consultation Paper 198

Telecommunications

"Telecommunications complaint handling procedures: still failing consumers in the most fundamental ways"

Speaking notes prepared by David Tennant for Panel discussion at the Consumer Telecommunications Network Annual Conference  Sydney 30 March 2006

Determination for regulation of mobile premium services

Submission to Australia Communications Authority -  February 2005

"Ensuring low income and vulnerable consumers are treated fairly and to support them to overcome debt"

Care Inc. Financial Counselling Service © 2012 Disclaimer: This site is not intended to replace direct financial counselling or legal advice. Every effort has been made to ensure the information on the site is accurate. Although we will update it regularly, there may be mistakes and things may change.