Reform of Australia's Payments System Appendix 1: Submissions

During the process of conducting the Review, the Bank has received a substantial number of submissions from interested parties. A first set of submissions was in response to the Issues Paper released in May 2007 and a second set was in response to the Preliminary Conclusions released in April 2008. All non-confidential submissions are available on the Bank's website (www.rba.gov.au).

The Issues Paper

The Reserve Bank received a total of 27 submissions from the following organisations or individuals in response to the Issues Paper.

Abacus Australian Mutuals Pty Ltd
ACIL Tasman (on behalf of American Express Australia Limited)
American Express Australia Limited
Australia and New Zealand Banking Group Limited
Australian Bankers' Association
Australian Merchant Payments Forum
Australian Payments Clearing Association
Australian Settlements Limited
Bank of Queensland Limited
BPAY Pty Ltd
Commonwealth Bank of Australia
Cuscal Limited
Diners Club (prepared by the Allen Consulting Group)
Dr Alan Frankel (on behalf of the Australian Merchant Payments Forum)
Professor Joshua Gans
GE Money
Indue Limited
Mr Peter Mair
MasterCard Worldwide (prepared with the assistance of Frontier Economics)
National Australia Bank Limited
PayPal Australia Pty Ltd
St George Bank Limited
Tyro Payments
Village Mall Pty Ltd
Visa International
Westpac Banking Corporation
Woolworths Limited

The Preliminary Conclusions

The Reserve Bank received a total of 24 submissions from the following organisations or individuals in response to the Preliminary Conclusions.

Abacus Australian Mutuals Pty Ltd
ACIL Tasman (on behalf of American Express Australia Limited)
American Express Australia Limited
Australia and New Zealand Banking Group Limited
Australian Bankers' Association
Australian Merchant Payments Forum
Australian Payments Clearing Association
Australian Settlements Limited
Coles Group Limited
Commonwealth Bank of Australia
Consumer Action Law Centre
CRA International
GE Money
Indue Limited
LWT Advisors
Mr Joe Lenzo
Mr Peter Mair
MasterCard Worldwide
National Australia Bank Limited
PayPal Australia Pty Ltd
Tyro Payments
Visa International
Westpac Banking Corporation
Woolworths Limited