Review of Amended Unfair Contract Terms Protections Consultation
Industry policy
Policy archive
Submissions
ACDBA submissions give regulators, government, and policy stakeholders an informed industry perspective on the practical operation of collection and debt purchase in Australia.
Recent work
Current submissions and consultation responses
ASIC Registry Uplift and Stabilisation Consultation
Conduct and regulation
Statutory Declarations – Letter of Support for IMA – 2026
Industry policy
ACDBA Submission to AFCA 2025 Rules Review
Dispute resolution
Themes
What the submissions usually address
Hardship and vulnerability
Responses addressing family violence, financial elder abuse, hardship, and fair evidence settings.
Regulatory design
Consultation work on AFCA rules, ASIC reporting, consumer data, AML, and credit frameworks.
Debt collection conduct
Industry input on practical standards for compliant collection activity.
Archive
Submissions by year and topic
- 2026 Review of Amended Unfair Contract Terms Protections Consultation Industry policy
- 2026 ASIC Registry Uplift and Stabilisation Consultation Conduct and regulation
- 2026 Statutory Declarations – Letter of Support for IMA – 2026 Industry policy
- 2025 ACDBA Submission to AFCA 2025 Rules Review Dispute resolution
- 2025 Submission for the Draft AML Rules Industry policy
- 2025 ACDBA Submission to AFCA consultation – Approach to Financial Violence and Elder Abuse Dispute resolution
- 2025 ACDBA Submission – ASIC CP 383 – Reportable situations and internal dispute resolution data publication Dispute resolution
- 2024 ACDBA Submission – Credit Reporting Framework Review – Final Data and privacy
- 2024 ACDBA Submission – Minimal Asset Procedure Industry policy
- 2023 ACDBA Submission to ARCA re Variation of CR Code November 2023 Industry policy
- 2023 ACDBA Submission to The AFCA Approach to Responsible Lending Consultation – September 2023 Dispute resolution
- 2023 ACDBA Submission to AFCA Rules Consultation – May 2023 Dispute resolution
- 2023 ACDBA Submission to Treasury & DSB re Consumer Data Right in non-bank lending: CDR rules & data standards design paper – January 2023 Government policy
- 2022 ACDBA Submission to Dept of Social Security re Financial Counselling Industry Funding Model – December 2022 Industry policy
- 2022 ACDBA Submission to Treasury re Draft Consumer Data Right (Non-bank Lenders) Designation 2022 – September 2022 Government policy
- 2022 ACDBA Feedback to AFCA Funding Model Consultation – April 2022 Dispute resolution
- 2022 ACDBA Submission to Attorney General’s Department re Bankruptcy System Options Paper – February 2022 Government policy
- 2022 ACDBA Response to ASIC re Consultation Paper 354: ASIC Relief for Simple Arrangements Following a Hardship Notice: [CO 14/41] – February 2022 Conduct and regulation
- 2022 ACDBA Submission to Attorney General’s Department re Privacy Act Review Discussion Paper – January 2022 Government policy
- 2021 ACDBA Letter to ACCC re Debt Collection Industry Engagement – June 2021 Conduct and regulation
- 2021 ACDBA Submission to ASIC re Consultation Paper 340: Breach Reporting and Other Obligations – June 2021 Conduct and regulation
- 2021 ACDBA Submission to Treasury re AFCA Review – March 2021 Dispute resolution
- 2021 ACDBA Submission to Treasury re Statutory Demand Threshold – March 2021 Government policy
- 2021 ACDBA Submission to ASIC re Addendum to Consultation Paper 311: Internal Dispute Resolution – February 2021 Dispute resolution
- 2021 ACDBA Submission to Treasury re Licensing of Debt Management Firms – February 2021 Government policy
- 2020 ACDBA Submission to Attorney General’s Department re Review of the Bankruptcy Threshold – August 2020 Government policy
- 2020 ACDBA Submission to Treasury re Breach Reporting – February 2020 Government policy
- 2019 ACDBA Submission to ASIC re Consultation Paper CP 311: Internal Dispute Resolution RG 165 – August 2019 Dispute resolution
- 2019 ACDBA Submission to AFCA re Consultation on Rule A14.5 – June 2019 Dispute resolution
- 2019 ACDBA Submission to Treasury re Enforceability of Financial Services Industry Codes – April 2019 Government policy
- 2018 ACDBA Submission to Senate Economics Committee re Debt Management Firms – November 2018 Government policy
- 2018 ACDBA Submission to AFCA Funding Consultation – July 2018 Dispute resolution
- 2018 ACDBA Submission to AFCA Rules Consultation – June 2018 Dispute resolution
- 2018 ACDBA Submission to Attorney-General’s Department re Comprehensive Credit Reporting & Hardship Arrangements – June 2018 Government policy
- 2018 ACDBA Submission to Treasury re Mandatory Comprehensive Credit Reporting – June 2018 Government policy
- 2017 ACDBA Submission to Treasury re Establishment of Australian Financial Complaints Authority – November 2017 Dispute resolution
- 2017 ACDBA Submission re Treasury Laws Amendment (Australian Financial Complaints Authority) Bill 2017 – September 2017 Dispute resolution
- 2017 ACDBA Submission to ASIC Position & Consultation Paper 4: Industry codes in the financial sector – July 2017 Conduct and regulation
- 2017 ACDBA Submission to May 2017 Consultation Paper re Improving dispute resolution in the financial system – June 2017 Dispute resolution
- 2017 ACDBA Submission to ASIC Position & Consultation Paper 1: Self-reporting of contraventions – May 2017 Conduct and regulation
- 2016 ACDBA Submission lodged in response to Issues Paper for the Review of the financial system external dispute resolution framework – October 2016 Dispute resolution
- 2014 ACDBA Submission re Review of Privacy (Credit Reporting) Code 2014 (V2.1) – October 2017 Data and privacy
- 2014 ACDBA letter to Australian Treasurer re Financial Sector (Collection of Data) Act – December 2014 Industry policy
- 2014 ACDBA Submission to COSL Consultation on Credit Repair Guideline – July 2014 Industry policy
- 2014 ACDBA Submission to NSW Legislative Assembly Inquiry into Debt Recovery in NSW – May 2014 Industry policy
- 2013 ACDBA Submission to ACCC & ASIC re Revised Debt Collection Guideline – December 2013 Conduct and regulation
- 2013 ACDBA Submission to ASIC re Credit Hardship Obligations – August 2013 Conduct and regulation
- 2013 ACDBA Submission to ACCC & ASIC re Debt Collection Guideline & Contact Times – July 2013 Conduct and regulation
- 2012 ACDBA Submission re Australian Privacy Breach Notification – November 2012 Data and privacy
- 2012 ACDBA Submission to ACCC re Debt Collection Guideline Review – November 2012 Conduct and regulation
- 2012 ACDBA Submission to ASIC on Consultation Paper 172 – February 2012 Conduct and regulation
- 2011 ACDBA Submission to CAV re National Harmonisation – December 2011 Industry policy
- 2011 Australian Collection Industry – April 2011, a snapshot of the industry, its composition, operations and scope Industry policy
- 2011 ACDBA Submission to NSW Dept of Justice & Attorney General re Review of NSW Civil Procedure Act, 2011 – March 2011 Government policy
- 2010 ACDBA Submission to Victorian Attorney General re Victorian Civil Procedure Act, 2010 – February 2011 Government policy
- 2010 ACDBA Submission to Better Regulation Office and Dept of Justice & Attorney General re NSW Review of the Debt Recovery Process – December 2010 Government policy
- 2009 ACDBA Submission to ASIC re Consultation Paper 112 – September 2009 Conduct and regulation
- 2009 ACDBA Submission to ASIC re Consultation Paper 111 – August 2009 Conduct and regulation
- 2009 ACDBA Submission to ASIC re Consultation Paper 110 – August 2009 Conduct and regulation
- 2009 ACDBA Submission to Senate Committee re NCCP Bill – July 2009 Government policy
- 2009 ACDBA Response to ACCC & ASIC Discussion Paper on Debt Collection – June 2009 Conduct and regulation
- 2009 ACDBA Response to CAPI Review Recommendations – June 2009 Industry policy
- 2009 ACDBA Submission re National Consumer Credit Protection Bill – May 2009 Industry policy