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Royal Commission

into Misconduct in the Banking, Superannuation and Financial Services Industry

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  • Final Report
    • Volume 1
      • Preface
      • Introduction
      • Banking
      • Financial Advice
      • Superannuation
      • Insurance
      • Culture, governance and remuneration
      • Regulators
      • Other important steps
    • Volume 2
      • Commission's Task
      • Case Studies: Superannuation
      • Case Studies: Insurance
    • Volume 3
      • Appendix 1: Letters Patent
      • Appendix 2: Hearing dates
      • Appendix 3: Public engagement
      • Appendix 4: The Commission team
      • Appendix 5: Witnesses
      • Appendix 6: Submissions
      • Appendix 7: Background Papers and Research Paper
    • Recommendations Summary
  • Government Response
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  • Recommendations - Agenda
    • Alphabetical Order
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Royal Commission| transaction

Tag: transaction

4.5 ANZ transaction

February 12, 2019February 12, 2019 wordflow

As already noted, ANZ has agreed to sell its superannuation business to IOOF. The Commission looked at how the ANZ trustee approached its role in that transaction. OPC, Oasis and OnePath Life Limited (OnePath Life) are all subsidiaries of ANZ. Read More …

Case Studies: Superannuationboard, business, commission, exhibit, fund, interest, issue, life, statement, Status, superannuation, transaction, transfer64 Comments

Introduction

February 12, 2019February 12, 2019 wordflow

In this part of the Report I will deal with conduct and issues relating to what may loosely be described as ‘traditional’ banking services. In the Interim Report, I pointed out[1] that the traditional business of banking comprised lending, deposit Read More …

Bankingbanking, business, conduct, connection, deposit, industry, introduction, issue, lending, provision, sector, service, taking, transaction, vol24 Comments

Navigation

  • Introduction
  • 1 Direct lending under the NCCP Act
    • 1.1 The existing provisions
    • 1.2 Compliance with existing provisions
  • 2 Intermediated home lending
    • 2.1 Home lending through mortgage brokers
    • 2.2 Trail commissions
    • 2.3 Best interests duty
    • 2.4 Do more?
    • 2.5 Brokers as advisers
    • 2.6 Aggregators
    • 2.7 Introducers
  • 3 Intermediated auto lending and associated issues
    • 3.1 Flex commissions
    • 3.2 Relying on the retail dealer
    • 3.3 Capitalising add-on insurance
  • 4 Access to banking services
  • 5 Lending to small and medium enterprises
    • 5.1 The lending framework
    • 5.2 The 2019 Banking Code and the definition of ‘small business’
    • 5.3 Guarantors
    • 5.4 Loan renewal and enforcement
    • 5.5 Agricultural enterprises
  • 6 Enforceability of industry codes
    • 6.1 Enforcing the code
    • 6.2 The purpose of industry codes
    • 6.3 Identifying the enforceable code provisions
    • 6.4 The proposed model: Codes more broadly
  • 7 Processing and administrative errors
    • 7.1 Identifying processing and administrative errors
    • 7.2 Preventing processing and administrative errors
  • Conclusion
  • An addendum: Bankwest

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