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We make written submissions to consultations, reviews and inquiries that relate to financial services policy and regulation or dispute resolution arrangements. Through our submissions, we aim to reduce future disputes and to continue to improve the services provided both by us and by other dispute resolution services or mechanisms.

As the submissions we write are responses to proposals or questions raised by other organisations, you may find it helpful to read more information on the particular organisation’s website as well as what we have written in the submission. You may find important background information in a discussion paper or report on that website that may not appear in the submission we have written.


FOS Response to the Financial Services Royal Commission
Submission made in February 2018

Previous years


Inquiry into life insurance industry by Parliamentary Joint Committee on Corporations and Financial Services
Submission made in November 2016

Review of the financial system external dispute resolution framework Submission Part 1 | Submission Part 2
Submissions made in October 2016

Life Insurance Code of Practice - Second consultation draft
Submission made in September 2016

Code of Banking Practice - Independent Review
Submission made in September 2016

Providing digital financial product advice to retail clients - ASIC Consultation Paper 254
Submission made in May 2016

Inquiry into penalties for white collar crime
Submission to the Senate Economics References Committee made in May 2016

Life insurance matters - Inquiry into the scrutiny of financial advice
Submission to the Senate Economics References Committee made in April 2016

Victorian Access to Justice Review
Submission to the Victorian Department of Justice and Regulation made in March 2016

Review and remediation programs - ASIC Consultation Paper 247
Submission made in March 2016

Reform of Home Building Compensation Fund
Submission to the NSW Government made in February 2016

Proposed legislation for crowd-sourced equity funding
Submission to Treasury and the Inquiry by the Senate Economics Legislation Committee made in February 2016

Corporations Amendment (Professional Standards of Financial Advisers) Bill 2015
Submission to Treasury made in January 2016


Senate inquiry into the scrutiny of financial advice
Submission made in December 2014 to the inquiry

Inquiry into proposals to lift the professional, ethical and education standards in the financial services industry
Submission made in September 2014

FOS response to the Interim Report of the Financial Systems Inquiry (Murray Inquiry)
Submission made in August 2014 to Financial System Inquiry Interim Report

Inquiry into the Motor Vehicle Repair Industry (NSW Legislative Assembly Select Committee on the Motor Vehicle Repair Industry)
Submission made in February 2014 in response to the Inquiry  

Financial System Inquiry Submission
Submission made in April 2014 in response to Inquiry

Small Business and Family Enterprise Ombudsman (Treasury)
Submission made in May 2014 in response to Discussion Paper

Addressing the high cost of home and strata title insurance in North Queensland (Treasury)
Submission made in June 2014 in response to Discussion Paper

Arrangements for an Asia Region Funds Passport (Treasury)
Submission made in July 2014 in response to Consultation Paper


National Consumer Credit Protection Amendment (Credit Reform Phase 2) Bill 2012
Submission made in March 2013 in response to Treasury’s Exposure Draft

Credit Reporting Code of Conduct (Australian Retail Credit Association)
Submission made in May 2013 in response to Exposure Draft

Review of the Benchmarks for Industry-based Customer Dispute Resolution Schemes ( Commonwealth Consumer Affairs Advisory Council)
Submission made in June 2013 in response to Review

Shaping a National Financial Literacy Strategy for 2014-16 (ASIC)
Submission made in July 2013 in response to Consultation Paper

Guidelines for recognising external dispute resolution schemes
Submission made in August 2013 in response to the Draft Guidelines

Inquiry into the performance of the Australian Securities and Investments Commission (Senate Standing Committees on Economics)
Submission made in October 2013 in response to the Inquiry

Inquiry into Access to Justice Arrangements (Productivity Commission)
Submission made in December 2013 in response to Inquiry


Debt Collection Harmonisation Regulation
Submission made in December 2011 in response to Consumer Affairs Victoria’s Options Paper.

Inquiry by House of Representatives Committee into the operation of the insurance industry during disaster events
Submission made in August 2011 to inquiry

Natural Disaster Insurance Review
Submission made in July 2011 in response to Treasury’s Issues Paper

Training requirements for financial advisers
Submission made in June 2011 in response to ASIC’s Consultation Paper 153

Submission made in May 2011 in response to Victorian Law Reform Commission’s Consultation Paper

Compensation for consumers of financial services
Submission made in May 2011 to Treasury in response to Richard St John’s Consultation Paper and two documents relevant to the submission:

Wholesale and retail clients
Submission made in March 2011 in response to Treasury’s Options Paper

National regulation of not-for-profit organisations
Submission made in February 2011 to Treasury’s scoping study


Integrity of alternative dispute resolution
Submission made in February 2010 in response to National Alternative Dispute Resolution Advisory Council’s Consultation Paper

Over-the-counter contracts for difference
Submission made in December 2010 in response to ASIC’s Consultation Paper 146

Charges for calls to 1300 phone numbers
Submission made in December 2010 in response to Australian Communications and Media Authority’s Consultation Paper

Dispute resolution requirements for trustee companies providing traditional services
Submission made in November 2010 in response to ASIC’s Consultation Paper 138

Inquiry by Senate Committee into competition in the Australian banking sector
Submission made in November 2010 to inquiry

Mortgage early exit fees
Submission made in August 2010 in response to ASIC’s Consultation Paper 135