Submissions in response to initial request

A number of entities were asked to provide the Commission with information concerning instances of misconduct or conduct falling below community standards and expectations that the entity had identified in the past 10 years. In some cases, entities were asked to provide additional information. More information about this request is available in the Interim Report (see Volume 1, pages 7-10, and Volume 3, Appendix 2). Related requests were sent to certain entities in advance of some rounds of the Commission's public hearings.

The submissions from entities in response to the Commission's requests are published below. In so far as some of these submissions contain material which may fall within s 16(2) of the Parliamentary Privileges Act 1987, the publication of those parts of the submissions is done without any adoption or endorsement by the Commission and without any comment by the Commission on the material.

Some of the information contained in the submissions has been redacted by the Commission. That information includes direct contact details of employees or office holders of the relevant financial services entities, names and other identifying information of customers of those entities and, in some circumstances, names and other identifying information of individuals and entities against whom allegations of misconduct have been made. Some limited further information has been redacted on other grounds.

Entity

Documents

AIA Australia Limited (AIA)

AIG Australia Limited (AIG)

Allianz Australia Ltd (Allianz)

AMP Limited (AMP)

AON Group Pty Ltd (AON)

Australia and New Zealand Banking Group Limited (ANZ)

Australian Central Credit Union Ltd (People's Choice Credit Union)

Australian Competition and Consumer Commission (ACCC)

Australian Finance Group Ltd (AFG)

Australian Prudential Regulation Authority (APRA)

Australian Securities and Investments Commission (ASIC)

AustralianSuper Pty Ltd, trustee of AustralianSuper superannuation fund (AustralianSuper)

AustSafe Pty Ltd, trustee of AustSafe Super (AustSafe)

Auto & General Insurance Company Limited (AGIC)

Bank Australia Limited (Bank Australia)

Bank of Queensland Limited (BOQ)

Bell Potter Securities Limited (BPS)

Bendigo and Adelaide Bank Limited (BAB)

CARE Super Pty Ltd, trustee of CARE Super (CareSuper)

Centrepoint Alliance Limited (Centrepoint)

Challenger Limited Group (Challenger)

Chubb Insurance Australia Limited (Chubb Insurance)

Citi Australia Group (Citi)

ClearView Wealth Limited (ClearView)

Commonwealth Bank of Australia (CBA)

Community CPS Australia Limited (Beyond Bank)

Credit Union Australia Ltd (CUA)

eChoice Limited (eChoice)

Electricity Supply Industry Superannuation (QLD) Ltd, trustee of Energy Super (Energy Super)

Freedom Insurance (Freedom)

FSS Trustee Corporation, trustee of First state Superannuation Scheme (First State Super)

Genworth Mortgage Insurance Australia Limited (Genworth)

GPS Wealth Ltd (GPS)

Greater Bank Limited (Greater Bank)

Hannover Life (Hannover)

Heritage Bank Limited (Heritage Bank)

H.E.S.T. Australia Ltd, trustee for Health Employees Superannuation Trust Australia (HESTA)

Hollard Insurance Company Pty Ltd (Hollard)

Host-Plus Pty Limited, trustee of Hostplus Superannuation Fund and Hostplus Pooled Superannuation Trust (Hostplus)

HSBC Bank Australia Limited (HSBC)

IMB Ltd (IMB)

Industry Super Holdings Pty Ltd (Industry Super)

ING Bank (Australia) Limited (ING Bank)

Insurance Australia Group Limited (IAG)

IOOF Holdings Limited (IOOF)

IS Industry Fund Pty Ltd, trustee of Intrust Super Fund (Intrust)

Loan Market Group Pty Ltd (Loan Market)

L.U.C.R.F. Pty Ltd, trustee of the Labour Union Co-operative Retirement Fund (LUCRF)

Macquarie Group (Macquarie)

Maritime Super Pty Limited, trustee of Maritime Super (Maritime Super)

Media Super Limited, trustee of Media Super (Media Super)

Mercer Superannuation (Australia) Limited (Mercer)

Metlife Insurance Limited and Metlife General Insurance Limited (Metlife)

MLC Limited (MLC)

Morgans Financial Limited (Morgans)

Mortgage Choice Limited (Mortgage Choice)

Motor Trade Associations of Australia Superannuation Fund Pty Ltd, trustee of MTAA Super Fund (MTAA Super)

Munich Reinsurance Company of Australasia Pty Limited (Munich)

National Australia Bank Limited (NAB)

NGS Super Pty Ltd, trustee of NGS Super (NGS Super)

Prime Super Pty Ltd, trustee of Prime Super superannuation fund (Prime Super)

QBE Group (QBE)

QSuper Board, trustee of QSuper (QSuper)

Rabobank Australia Limited (Rabobank)

RAC Insurance Pty Limited (RAC)

REI Superannuation Fund Pty Ltd, trustee of REI Super Fund (REI Super)

Retail Employees Superannuation Pty Limited, trustee of Retail Employees Superannuation Trust (REST)

Smartline Personal Mortgage Advisers (Smartline)

SMSF Advisers Network Pty Ltd (SMSF Advisers)

Statewide Superannuation Pty Ltd, trustee of Statewide Superannuation Trust (Statewide)

Suncorp Group Limited (Suncorp)

SunSuper Pty Ltd, trustee of SunSuper Superannuation Fund (SunSuper)

Swiss Re Group (Swiss)

Synchron Group (Synchron)

TAL Life Limited (TAL)

Tasplan Pty Ltd, trustee of Tasplan Superannuation Fund (Tasplan)

Teachers Mutual Bank Limited (Teachers Mutual Bank)

Telstra Super Pty Ltd, trustee of the Telstra Superannuation Scheme (Telstra Super)

TWU Nominees Pty Ltd, trustee of TWU Superannuation Fund (TWU Super)

UniSuper Limited, trustee of UniSuper Fund (UniSuper)

United Super Pty Ltd, trustee of Construction and Building Unions Superannuation Fund (CBUS)

VicSuper Pty Ltd, trustee of VicSuper Fund (VicSuper)

Vision Super Pty Ltd, trustee of the Local Authorities  Superannuation Fund and Pooled Super Pty Ltd, trustee of the Vision Pooled Superannuation Trust (Vision Super)

Westpac Banking Corporation (Westpac)

Westpac tranche 1 - tables provided 13 February 2018

Westpac tranche 2 - table provided 20 February 2018

Westpac tranche 3 – tables provided 27 February 2018

Westpac tranche 4 – tables provided 14 March 2018

Yellow Brick Road Group (YBR)

Youi Pty Ltd (Youi)

Zurich Australian Insurance Limited (Zurich)

Association of Financial Advisors (AFA)

Consumer Action Law Centre (Consumer Action)

CHOICE

Finance Brokers Association of Australia Limited (FBAA)

Financial Planning Association of Australia (FPA)

Financial Rights Legal Centre (Financial Rights)

Mortgage and Finance Association of Australia (MFAA)

Credit and Investment Ombudsman (CIO)

Financial Services Ombudsman (FOS)

Superannuation Complaints Tribunal (SCT)