Interim Report

No.

Received from

1

ACBF Group Holdings PTY LTD

2

Mario Andres Munoz Acosta

3

Thomas W Adams

4

Adaptive Cultures Pty Ltd

5

Ahmed Ahmetagic

6

Aidin

7

Patricia Ainsworth

8

Max Aleckson

9

Robert Alexander

10

Margaret Mary Alford

11

Anthony Allison

12

Amanda

13

Edwin Amery

14

AMP Limited

15

Amstelveen

16

Donna Anderson

17

Donna Anderson

18

Donna Anderson

19

Michael Anderson

20

Jacob Andrews

21

Lara Angell

22

Bundy Apostolou

23

ARCA

24

Daniel Archibald

25

Arenburg Consulting

26

Heather Armitage

27

James Tom Anthony Arnold

28

Anthony Asher

29

Association of Financial Advisers Ltd

30

Association of Superannuation Funds of Australia (ASFA)

31

Stephen Atkin

32

Steve Atkin

33

Merrill Austin

34

Tony Austin

35

Australia and New Zealand Banking Group Limited (ANZ)

36

Australian Small Business and Family Enterprise Ombudsman

37

Australian Securities and Investments Commission (ASIC)

38

Australian Prudential Regulation Authority (APRA)

39

Australian Labor Party

40

Australian Institute of Company Directors

41

Australian Institute of Performance Sciences

42

Australian Institute of Superannuation Trustees

43

Australian Greens

44

Australian Financial Complaints Authority

45

Australian Finance Group Ltd

46

Australian Finance Industry Association

47

Australian Banking Association

48

Michael Ayling

49

Christie Bader

50

Peter Baker

51

Henk Ballast

52

Bank of Queensland Limited

53

Banking Standards Board

54

Prof Elise Bant

55

Richard Bardon

56

Scotty Barr

57

Raylee Barrett

58

Dominic Barry

59

Ian Barry

60

Irene Barry

61

Michael Barry

62

Barry

63

Elisa Barwick

64

Benjamin Susan Bath

65

Gordon Batt

66

Dr Colin Beardsley

67

Kenneth Gerard Bebb

68

Jeremy Beck

69

MarjetBedi

70

Theresa Beecroft

71

Adam Bell

72

Desmond Bell

73

Jennifer Bell

74

Bendigo and Adelaide Bank Limited

75

David Alexandria Bennett

76

Peter Bennett

77

Ernest Frank Berlic

78

Mark Best

79

Paul Best

80

Neil Bidder

81

Farhad B Billimoria

82

Steven Maxwelln Bird

83

Anthony Barry Blackman

84

Kelvin Blair

85

Roger Blakeway

86

Leigh John Boileau

87

Bob Bone

88

Bernie Bourke

89

Rory Bowler

90

Rory Bowler

91

Martin Andrew Boyd

92

Nolene Bradshaw

93

Ian Leslie Brander

94

Ivan Brbot

95

BredanBriese

96

Brisbane Residents United Inc

97

Henry Neil Gribble Broadbent

98

Steven Henderson Brown

99

Adrian Bryant

100

Mr B ABucktin

101

Roger Bugg

102

Margo Bunt

103

Allan Burke

104

Gerald Burns

105

Burrell Stockbroking & Superannuation

106

Jessica Buxton

107

Brian Byrne

108

Wendy Cain

109

Joshua Lawrence Camm

110

Joshua Camm

111

Tony Cammarano

112

Meredith Melinda Campbell

113

Professor Liz Campbell

114

Meredith Campbell

115

Trudy Campbell

116

Thomas Canning

117

Martin Carey

118

Leslie J Carnegie

119

Steven Carr

120

Genevieve Carrier

121

Brett Robert Cash

122

Troy Michael Cash

123

John Sommers Casley

124

Caux Round Table

125

William John Cebula

126

Centre for Future Work at the Australia Institute

127

Centre for Law Markets and Regulation, UNSW

128

Centre for Research in Religion and Social Policy, University of Divinity

129

Andrew Jack Chalkley

130

Ronald Chandler

131

Chartered Accountants Australia and New Zealand

132

Lorena Chater

133

Neil Chater

134

Chai Yee Cheng

135

CHOICE

136

Mrs Kay Christensen

137

Citizens Electoral Council of Australia

138

Fanita Clark

139

Nathan Clark

140

Peter Clark

141

Martin Claxton

142

Peter Clements

143

JOST & Co

144

Julian Cochran

145

David Collett

146

Adrian Collier

147

Combined Pensioners and Superannuants Association (CPSA)

148

Combined Industry Forum

149

Dr Vicky Comino

150

Commercial & Asset Finance Brokers Association of Australia

151

Commonwealth Bank of Australia and its associated entities

152

Community and Public Sector Union (PSU Group)

153

Brian Concannon

154

Barry Conde

155

Connective Broker Services Pty Ltd

156

Thomas Moore Connelly

157

Maxwell John Connor

158

Constituents of the Burdekin Electorate (Queensland)

159

Consumer Credit Law Centre SA

160

Consumer Credit Legal Service WA Inc

161

Consumer Action Law Centre

162

Consumer Policy Research Centre

163

Nick Contarino

164

Colin Evan Cook

165

Geoffrey Cornell

166

Lindsay D Cosgrove

167

John Cosstick

168

Robert Couper

169

Mark Coutts

170

Janet Thomasina Cowden

171

Stephen Cox

172

CPA Australia

173

Timothy Cragg

174

Caulfield Craig

175

Glenn Crichton

176

David John Cridland

177

Anne Crocker

178

Mr Rik Crockford

179

Phillip Randall Cross

180

Tina Gayle Crossley

181

John Crothers

182

Geoffrey Crowther

183

Graham Crowther

184

Graham Crowther

185

Ngaire Crowther

186

Nicholas Culling

187

John Charles Culverwell

188

Stephen Donald Currie

189

Customer Owned Banking Association

190

Mark Dalrymple

191

Andrew Dalton

192

Victor Damos

193

Andrew Lloyd Davey

194

George Davies

195

Peter James Davis

196

Ian Davis

197

Anne Marie Dawborn

198

Timothy J de Beaux

199

Robert Melvyn Dealtry

200

Geoffrey Youle Dean

201

Department of the Prime Minister and Cabinet

202

DFS Group

203

Stephen Dobson

204

Rodney Doel

205

John Douglass

206

Mr Ronald J Doyle

207

Joshua Anthony Doyle

208

Peter Doyle

209

Philip Edward Drew

210

Robert Dring

211

Peter Drury

212

Magdalene DSilva

213

Christine Dudley

214

Martin Duffield

215

Benard William Duffy

216

Robert Bruce Duncan

217

Alexander Duncan

218

Andrew Dunlop

219

Paul Durling

220

John Dwyer

221

William Edgar

222

Rosemarie Edler

223

Karl Randall Edson

224

Robertus van Egdom

225

Dr Liz Elliott

226

Dr Elizabeth Elliott

227

Shane Ellis

228

ToorajEnayati

229

Clive Ettia

230

Mikayla Lee Evans

231

Christopher Evers-Swindell

232

Elmore Family

233

David Farmer

234

Thomas Michael Farrell

235

Charles Faulkner

236

SergiiFedotov

237

Linda Fencaros

238

Simon Fenton

239

James Ferguson

240

Andrew Fernbach

241

Finance Sector Union of Australia

242

Finance Brokers Association of Australia Limited

243

Financial Services Council

244

Financial Services Institute of Australasia (FINSIA)

245

Financial Rights Legal Centre

246

Financial Planning Association of Australia

247

Financial Counselling Australia

248

Financial Counselling Australia

249

Financial Counselling Australia

250

Andre Fink

251

Diane Marie Finlay

252

First Impressions Image Training

253

Jared Fletcher

254

Rhonda Fletcher

255

Peter Maurice Flynn

256

Russell Folland

257

John Ford

258

Luke Ford

259

Stephen Foster

260

John Fowler

261

Finley Francois

262

Richard French

263

Trevor John Frost

264

Daniel Frydrych

265

Bonita Louise Fulham

266

Jutta Maria Galbory

267

David R Gallagher

268

Mitchell Gamble

269

Scott Gandy

270

Anthony Garner

271

John Garrick

272

Tim Gaspar

273

Dennis Gentilin

274

Kylie Gillespie

275

Steve Gillham

276

Associate Professor George Gilligan

277

Gary Glancy

278

Brad Golding

279

Donald George Goldsmith

280

William Edward Gollan

281

Lewis Bramley Goodridge

282

Jen Goods

283

Richard Gorman

284

Michael John Gough

285

Suzanne Gould

286

Theresa Ann Goulson

287

Governance Institute of Australia

288

Rosamund Clare Grady

289

Natasha GraebnerBraun

290

Anthoy Irving Graham

291

Laurie Gransden

292

Karin Grant

293

GRC Institute

294

Mary Green

295

Gregory

296

Mark Greville

297

Kenneth Walter Grundy

298

Guerdon Associates Pty Limited

299

Anthony Gunn

300

Peter Hagen

301

Mark P Haikonen

302

Roger Hall

303

Elizabeth Handley

304

Brian Hankinson

305

Keith Harper

306

Douglas Harrison

307

Douglas Harrison

308

Ian Harrison

309

Edward Hartman

310

Carol Harvey

311

Simon Haselgrove

312

Mike Haydon

313

Trevor Haydon

314

Bruce Thomas Haynes

315

James Edward Hazzard

316

Greg Healey

317

Peter Hedley

318

Ian Hegglun

319

Richard Heidtmann

320

Anthony Stephen Herbert

321

Neil Hermes

322

Dean Herron

323

Charles Higby

324

David Hodgen

325

Ivan Holko

326

Brendan Holland

327

Home Loan Experts

328

Paul Homolka

329

Peter Horwitz

330

Stuart Howe

331

Ray Huang

332

Carole Hubbard

333

Anthony Joseph Hudson

334

Steven Hughes

335

Douglas Humphries

336

Johanna Hunneman

337

Warwick William Alfred Hunt

338

Gordon Hunter

339

Steve Hunter

340

Kenton Huxtable

341

LiudmylaIakovets

342

Kingsley Iddon

343

William Ifield

344

William Ifield

345

Industry Super Australia Pty Ltd

346

Graeme Inglis

347

William Robert Ingrey

348

Institute of Managed Account Professionals

349

Insurance Council of Australia

350

Noelene Isherwood

351

Raymond N Jans

352

Ronald Ernest Jean

353

Heike Jindra

354

John

355

M. Johnston, A. Lofts, I Peel, B. Cobb, N. Watson, M. Newman, W. McDonald

356

Evan Jones

357

William Jones

358

Thomas James Jordan

359

Simon Joseph Hall

360

Kathleen

361

Mr John Kearney

362

David Kecek

363

Cynthia Kardell

364

Leslie Thomas Kelly

365

Keith Derek Kerr

366

Michelle Kiamil

367

Don Kim

368

Anthony King

369

Phillip King

370

Norma Kirkland

371

Joerg Steven Kiss

372

Werner Klose

373

Marcel Knuffel

374

John Kohl

375

John Kohl

376

John Kohl

377

Tully Kops

378

Laurence Krass

379

Selwyn Krepp

380

John Krylyszyn

381

Hans Kuehn

382

Carl Kuen

383

Nigel Lacey

384

Anton Lagerway

385

Alan Lane

386

Kieren Lane

387

Larry

388

Law Council of Australia

389

Ann Lawler

390

Anthony Lawless

391

Michael Lawrance

392

Christopher Lee

393

Peter Lee

394

Legal Aid NSW

395

Legal Aid Queensland

396

Christopher John Lewis

397

Nerida Lewis

398

Rod Lewis

399

Life. Be in it.

400

Geoffrey Links

401

Loan Market Group

402

Adrian Lobo

403

Louise Locke

404

Warren Loone

405

Barrett Loraine

406

Ricky Luder

407

Neil Frncis Lyon

408

Macquarie Group Limited

409

Reynaldo Maestre

410

Reynaldo Maestre

411

Michael Clinton Maher

412

Irene Maher

413

Peter Mair

414

NakisaMalakooti

415

NakisaMalakooti

416

Philip Henry Mancy

417

John Mandalios

418

Geoffrey Graeme Manifold

419

John Henry Mann

420

Anthony Mantella

421

Robert Marotta

422

John D Marsh

423

James Keith Marshall

424

Martin North Digital Finance Analytics

425

Colin W Martin

426

Kenneth Arthur Martin FCPA

427

Cv & E Martino SuperFund

428

Thomas Marwick

429

Rainer Mora Mathews

430

Richard Matthews

431

Stephen Lewis Matthews

432

Coral May Tait

433

Robyn Mayne

434

Joanne McAndrews

435

Daniel James McCabe

436

Shaun McCarthy

437

Mark McDonald

438

William McDonough

439

McGing Advisory & Actuarial

440

John Mcgowan

441

Patricia McInnes

442

Joan Mcintyre

443

Jocelyn Constance Mckenzie

444

Christopher Mcmahon

445

Alexander Craig McMorron

446

Dale Andrew McNally

447

Dale Andrew McNally

448

Barry McTaggart

449

Jerry Allen Mecham

450

Graeme John Medhurst

451

William (Bill) Meeke

452

Dan Meiers

453

Melis Developments P/L

454

Mario Menso

455

Gordon Menzies

456

Daniel Meyerowitz-Katz

457

Michael

458

Graham Miller

459

Thomas George Millerd

460

Jon Minney

461

Douglas Mitchell

462

AidinMohajeri

463

Michael Molesworth

464

Lindsay Morris

465

Wayne Morrison

466

Mortgage Choice

467

Mortgage & Finance Association of Australia (MFAA)

468

Jackie Morton

469

Kirsten Muir

470

Kerryn Lee Munday

471

Tony Murphy

472

Eric Michael Murray

473

Mike Musgrave

474

Di Myers

475

Teodora Nagy

476

Max Najar

477

National Australia Bank (NAB)

478

National Association of Community Legal Centres and Financial Counselling Australia

479

Sandra Elizabeth Neal

480

Roland Nelson

481

George Neofitou

482

Assoc Prof Ben Neville and Prof Dirk Matton

483

Khoa Nguyen

484

Carl Nickson

485

Don Nicol

486

Jennifer Oakley

487

Kevin Edward OBrien

488

Paul O’Carrigan

489

Michael Offe

490

Danny O’Mahony

491

Michael Ooms

492

Mark Opie

493

Stephen ORourke

494

Stephen John O’Rourke

495

Andreas Ortmann

496

Peter Ousby

497

John Howan Owens

498

EerikOwerhall

499

Cris Parker

500

Cris Parker

501

Jeremy Parker

502

Graham Paterson

503

Robert Paterson

504

Julie Suzanne Hamblin Patullo

505

Nichalus Thomas Payne

506

Gregory Payne

507

Benjamin Pearce

508

Graeme Pearce

509

Daniel Pearson

510

Stuart Penhall

511

Paul Gregory Penny

512

Nicholas Perna

513

Peter

514

John Geoffrey Philp

515

Jennifer Pickard

516

Howard Pierce

517

A Lois Pinnell

518

Platinum Investment Manahement Limited

519

Greg Poett

520

Jennifer Poett

521

Rodney John Polkinghorne

522

Diane Poppi

523

Robert Poppi

524

Robert Poppi

525

Adrian Power

526

Bruce Preston

527

Claire Priestley

528

Marie Pringalle

529

Property Council of Australia

530

Janet E Pukallus

531

Dennis Pukallus

532

Qld Whistleblowers Action Group

533

Queensland Whistleblowers Action Group

534

Alan Quirk

535

Adviser Ratings

536

Kim Rees

537

Regional Banks – AMP Bank, Bendigo and Adelaide Bank, Bank of Queensland, ME

538

Dennis Reincastle

539

Shane Reynolds

540

John P Richards

541

John Richardson

542

Alan Francis Rider

543

Garry Richard Bligh Ridge

544

Maria Marcia Rigoni

545

Benjamin Glyn Roberts

546

Anthony James Robey

547

Jane Robinson

548

Jean Robinson

549

William Stewart Roddick

550

Graham Rodwell

551

Brendan Rolfe

552

Paul Ross

553

Ronald Rowlands

554

Barbara Roy

555

Ross Russell

556

Mario Russo

557

Joshua Saik

558

Daniel Francis Salisbuy

559

Marcus Oliver Saltmarsh

560

Michael Sanderson

561

Ron Sandilands

562

Reg Sandy

563

Heidi van Schaik

564

Reinhard Schemmann

565

Errol Schmetzer

566

Errol Schmetzer

567

Frank Scott

568

Keallie Scott

569

Mark Sell

570

Gregory Semfel

571

Dennis Sgargetta

572

Geoff Shannon

573

Geoff Shannon

574

Kevin John Sharp

575

Dr Kym Sheehan

576

Dr Kym Sheehan and Professor David Kinley

577

Graham Shepherd

578

Nathan John Shoesmith

579

Leeann Short

580

Sr MaryJane Singleton OPI

581

Michael Sita

582

Alan George Skyring, BE MIE Aust.

583

Smartline Home Loans Pty Ltd (trading as Smartline Personal Mortgage Advisers)

584

Colin Smartt

585

Jim Smith

586

Michelle Smith

587

Veronica Smith

588

SMSF Association

589

Mark Sneddon

590

Edward Raymond Snyder

591

Joan Sohl

592

Ray Somlai

593

Christopher Sorbello

594

Christopher Soren Shann Turnbull

595

Andreas Soulos

596

Ursula Frances Soulsby

597

Paul Spajic

598

Karen Spencer

599

SR Group

600

Jeanette A Staehr

601

Geoffrey Stafford

602

Stand Fast Finance

603

John A Stanford

604

Charles Frederick Stanger

605

Mile Stankovic

606

Adam Steen

607

Bruce L Stephens

608

Nigel Stevenson

609

John Leslie Stewart

610

Andrew James Stewart

611

Tim Stewart

612

Pauline Joy Stow

613

David Stow

614

David Stubberfield

615

Frank Student

616

Bruce Styles

617

Pratap Subramanian

618

Suncorp Group Limited

619

Michael Swain

620

Wilson Sy

621

Zoltan Szentmihaly

622

Colin Tabell

623

Murad Talukdar

624

Sherryn Tanti

625

Tasmanian Small Business Council

626

John Terenzini

627

The QSuper Board

628

The Ethics Centre

629

The Australia Institute

630

Andrew Thompson

631

Carolyn Thomson

632

Margaret Thornton

633

Lars Thystrup

634

Bronwyn Tillman

635

Bronwyn Tillman

636

StavroulaTirekidis

637

Anthony Tomlinson

638

William Tonge

639

Ruth Lorraine Tonsbeek

640

Johan Tonsbeek

641

Norm Townsend

642

Janette Townshend

643

Treasury

644

Stephen Trounson

645

Neal Beirne Tully

646

Neal Beirne Tully

647

TWU Nominees atf TWU Superannuation (“TWUSUPER”)

648

Brian Tyler

649

Urban Development Institute of Australia

650

Gerrit Frederick van der Tang

651

Joshua Van Der Neut

652

Sandra van der Laan

653

George Vella

654

Stuart Bruce Venn

655

Jacob Vermeulen

656

Victims of Financial Fraud

657

Petrus Vlaar

658

Peter Wakeman

659

Russell Wallace

660

Alexander Joseph Walsh

661

Sir John Walsh of Brannagh

662

Robyn Wanicek

663

Vivienne Ward

664

Patricia Warren

665

Brian Lloyd Weekes

666

Ray Weeks

667

Stephen Weller

668

Eric Wells

669

David Wenk

670

Reginald Trevor Went

671

Westpac Banking Corporation

672

Barbara Whatham

673

Rodney Langford Kay Wheeler

674

Desmond Whyte

675

Leslie Robert Williams

676

Chris Williams

677

J Wilmott

678

Brett Wilson

679

Simo Wilson

680

Kenneth Graham Winton

681

David Wishart

682

Harold Ashley Witham

683

Wayne Wood

684

Montague Woodbridge

685

Monty Woodbridge

686

Monty Woodbridge

687

Linda Delores Woodward

688

Lenard Rhys Yarrow

689

Carlos Yohanna

690

Sleiman Yohanna

691

ZainahYohanna

692

Michael Frank Zabel

693

Anthony Zarro

694

Mr Anton Zwickl

This includes all policy submissions in response to the Interim Report that have been published on the Royal Commission’s website. The Commission reserved the right not to publish submissions where matters are subject to a non-publication order, or where there were privacy concerns about the information included. The Commission received 196 submissions in response to the Interim Report where the individual asked that their name be withheld.

90 thoughts on “Interim Report”

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