Round 3 hearings

Loans to small and medium enterprises

The third round of public hearings were held in Melbourne at the Owen Dixon Commonwealth Law Courts Building at 305 William Street from Monday 21 May to Friday 1 June 2018.

This round of public hearings considered the conduct of financial services entities in respect of their dealings with small and medium enterprises, in particular in providing credit to businesses. The hearings also explored the current legal and regulatory regimes, as well as self-regulation under the Code of Banking Practice.

The Commission referenced the below case studies in Round 3. Written submissions from parties granted leave to appear for Round 3 are available below.



Case Studies


Responsible lending to small businesses

  • ANZ
  • Bank of Queensland
  • CBA
  • Westpac
  • Suncorp


Approach of banks to enforcement, management and monitoring of loans to businesses

  • CBA / Bankwest
  • NAB  


Product and account administration

  • CBA


Extension of unfair contract terms legislation to small business contracts

  • ASIC
  • Westpac
  • Suncorp


The Code of Banking Practice

  • ABA
  • ASIC

Leave to ​​appear

Written submissions

The following written submissions were received in response to Round 3 hearings on Loans to small and medium enterprises.


  • Exhibits for Round 3 hearings are available on the Exhibits page.