Skip to content
Home
About Us
Our Role
What We Do
Our History
Our Team
Arca Board Members
Membership
Member Benefits
Membership Options
Steps to Join
Member Work Groups
Areas Of Work
Data System and Rules Framework
Consumer Data Right
Responsible Lending
CreditSmart® Consumer Education
Industry Standards & PRDE
System Improvements
Arca Submissions
News and Events
Latest News
Events
Contact Us
Home
About Us
Our Role
What We Do
Our History
Our Team
Arca Board Members
Membership
Member Benefits
Membership Options
Steps to Join
Member Work Groups
Areas Of Work
Data System and Rules Framework
Consumer Data Right
Responsible Lending
CreditSmart® Consumer Education
Industry Standards & PRDE
System Improvements
Arca Submissions
News and Events
Latest News
Events
Contact Us
Log In
Arca Submissions
Credit Reporting
Arca Submission to Reducing Barriers to Business Dynamism in Australia Inquiry – 3 July 2026
Arca Submission to Productivity Commission interim report on Harnessing data and digital technology – 15 September 2025
Arca Submission to the Response to Consultation on Proposed Variation to the Credit Reporting Code – 21 February 2025
Arca Submission to the Review of Australia’s Credit Reporting Framework – 14 June 2024
Arca Submission to the Consultation Paper: Remaking the Privacy (Credit Related Research) Rule 2014 – 25 March 2024
Arca Submission to the Independent Review of the Privacy (Credit Reporting) Code 2014 – Response to Consultation Paper – 11 February 2022
Artificial Intelligence
Arca Submission to Safe and Responsible AI Discussion Paper – 26 July 2023
Arca Submission on the Review of AI and the Australian Consumer Law – 12 November 2024
BNPL
Arca Submission to the Response to Consultation Paper 382
Low cost credit contracts
(CP 382) – 7 March 2025
Arca Submission to the Buy Now Pay Later Exposure Draft Regulations – 12 February 2025
Arca Submission to the Buy Now Pay Later Regulatory Reforms – 28 June 2024
Arca Submission to the Buy Now Pay Later Regulatory Reforms – 12 April 2024
Arca Submission to the Treasury’s Buy Now Pay Later in Australia Options Paper – 20 January 2023
Arca Submission to the Independent Review of AFIA Buy Now Pay Later Code of Practice – 9 December 2022
Digital Identity
Arca Submission on Proposed Verifiable Credentials Policy – 3 July 2026
Arca Submission to the 2023 Digital ID Bill – 10 October 2023
Financial Abuse
Arca Submission to the Joint Consultation on AFCA Approaches to family violence and financial elder abuse – 11 April 2025
including the Arca Consolidated Report as
Annexure A
Arca Submission to the inquiry into the financial services regulatory framework in relation to financial abuse in Australia – 14 June 2024
including the Arca Consolidated Report as
Annexure A
Privacy Act Review and Reforms
Arca Submission to the Automated Decision-Making Transparency Obligation – 15 June 2026
Arca Submission to the Privacy Act Review Report 2022 – 31 March 2023
Arca Submission to the Privacy Act Review Discussion Paper – 10 January 2022
Arca Submission to the Privacy Legislation Amendment (Enhancing Online Privacy and Other Measures) Bill 2021 – 6 December 2021
Arca Submission to the Privacy and Other Legislation Amendment Bill 2024 – 11 October 2024
Open Banking / Consumer Data Right
Arca Submission to the Regulatory Data Standards Development Reforms – 29 May 2026
Arca Submission to the Consumer Data Right Rules, non-bank lending and banking data scope – 20 December 2024
Arca Submission to the CDR Rules, consent and operational enhancement amendments – 17 September 2024
Arca Submission to the Screen scraping policy and regulatory implications – 6 November 2023
Arca Submission to the Consumer Data Right rules expansion to the non-bank lending sector – 11 October 2023
Arca Submission to the Treasury Laws Amendment (Consumer Data Right) Bill 2022 – 6 March 2023
Arca Submission to the Consumer Data Right Designation 2022 – Exposure Draft – 15 September 2022
Arca Submission to the Consumer Data Right Open Finance Sectorial Assessment – 15 April 2022
Arca Submission to the Inquiry into Future Directions for the Consumer Data Right – 9 April 2020
Arca Submission to the ACCC consultation on how best to facilitate participation of third party service provider – 2 February 2020
Arca Submission to the Draft PIA report for the initial implementation of the CDR Regime – 21 October 2019
Arca Submission to the Second round Consultation on the Open Banking Designation Instrument – 12 July 2019
Arca Submission to the Priority Energy Datasets Consultation – 12 July 2019
Arca Submission to the ACCC Exposure Draft of the Consumer Data Right Rules – 10 May 2019
Arca Submission to the Treasury Laws Amendment (Consumer Data Right) Bill 2018 – 28 February 2019
Arca Submission to the Comments on the Treasury’s Privacy Impact Assessment – 18 January 2019
Arca Submission to the Comments to the Working Draft of the Consumer Data Standards – 23 November 2018
Arca Submission to the CDR Open Banking Consumer Research – 9 November 2018
ALRC Review of Financial Services Legislation
Arca Submission to the ALRC Interim Report C, Financial Services Legislation ALRC Report 140 – 26 July 2023
Arca Submission to the ALRC Interim Report B, Financial Services Legislation ALRC Report 139 – 8 December 2022
Arca Submission to the ALRC Interim Report A, Financial Services Legislation ALRC Report 137 – 26 February 2022
Responsible Lending
Arca Submission to the APRA Clarification to APG220 – 28 August 2026
Arca Submission to the Draft Prudential Practice Guide APG 220 Credit Risk Management – 12 March 2020
Arca Submission to the AFCA Approach to Responsible Lending Series – 26 July 2019
Arca Submission to the Discussion Paper, APS 220 Credit Risk Management – 28 June 2019
Arca Submission to the Consultation Paper 309 – May 2019
Arca Submission to the CP303 Credit Cards, Responsible Lending Assessments – 31 July 2018
Personal Insolvency
Arca Submission to the Minimal Asset Procedure Discussion paper – 29 July 2024
Arca Submission to the Personal Insolvency Discussion Paper – 5 October 2023
ASIC
Arca Submission to the CP373 Proposed Changes to the Banking Code of Practice – 22 January 2024
Arca Submission to the ASIC Industry Funding Model Review – 28 October 2022
Arca Submission to the CP350 Consumer Remediation, Further Consultation – 11 February 2022
Arca Submission to the CP354 ASIC relief for simple arrangements following a hardship notice – 1 February 2022
Arca Submission to the Consultation Paper 325 Product Design and Distribution Obligations – 11 March 2020
Arca Submission to the Consultation Paper 313 Product Intervention Power – 7 August 2019
Arca Submission to the CP298 Oversight of the Australian Financial Complaints Authority Update to RG 139 – 6 April 2018
Treasury
Arca Submission to the Registry Stabilisation and uplift design draft legislation – 13 February 2026
Arca Submission to the Treasury Economic Reform Roundtable – 25 July 2025
Arca Submission to the National Consumer Credit Protection Amendment Regulations 2023 – 20 March 2023
Arca Submission to the Treasury Laws Amendment Bill 2022 – 31 January 2023
Arca Submission to the Establishing a Compensation Scheme of Last Resort Regulations 2022 – 7 October 2022
Arca Submission to the Modernising Business Communications Bill & Regulations – 9 December 2021
Arca Submission to the Using technology to hold meetings and sign and send documents Draft Exposure Bill – 9 September 2021
Arca Submission to the National Consumer Credit Protection Amendment Bill 2020 – 3 February 2021
Arca Submission to the Enhancements to Unfair Contract Term Protections – 16 March 2020
Arca Submission to the Strengthening breach reporting – 28 February 2020
Arca Submission to the Establishing a Compensation Scheme of Last Resort – 7 February 2020
Arca Submission to the Draft design and distribution obligations regulations – 11 October 2019
OAIC
Arca Submission to the Notifiable Data Breach Resources Consultation – 23 October 2017
Arca Submission to the Notifiable Data Breach Resources Consultation – 14 July 2017
AFCA
Arca Submission to the AFCA Rules Change Consultation – 12 June 2025
Arca Submission to the AFCA Consultation on proposed amendments to AFCA Rules and Operational Guidance – 22 May 2023
Arca Submission to the National Consumer Credit Protection Amendment Bill 2019 – 21 February 2020
Arca Submission to the AFCA Rules Change Consultation – 20 June 2019
Arca Submission to the Consultation Paper, Establishment of AFCA – 24 November 2017
Financial Services Royal Commission
Arca Submission to the Interim Report – 26 October 2018
