Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates

References

Ausubel L (1991), ‘The Failure of Competition in the Credit Card Market’, The American Economic Review, 81(1), pp 50–81.

Commonwealth Treasury and Reserve Bank of Australia (RBA) (2011a), ‘ATM Taskforce – Report on Indigenous ATM Issues’, 11 February. Available at <http://banking.treasury.gov.au/content/reports/atm_indigenous/downloads/atm_indigenous.pdf>.

Commonwealth Treasury and RBA (2011b), ‘ATM Taskforce – Report on Transparency and Competition’, 30 June. Available at <http://banking.treasury.gov.au/content/reports/atm_transparency/downloads/atm_transparency.pdf>.

Consumer Action Law Centre and Financial Rights Legal Centre Inc (2015), ‘Submission to the Review of Card Payments Regulation Issues Paper’, Submission, 24 April. Available at <http://www.rba.gov.au/payments-system/reforms/submissions/review-of-card-payments-regulation/consumer-action-law-centre.pdf>.

Edgar, Dunn and Company (2010), ‘2010 Australian ATM Market Study Report’, 11 November.

European Commission (2013), ‘Impact Assessment’, Commission Staff Working Document, 27 4. Available at <http://eur-lex.europa.eu/resource.html?uri=cellar:906ed6d3-f509-11e2-a22e-01aa75ed71a1.0001.04/DOC_1&format=PDF>.

Ossolinski C, T Lam and D Emery (2014), ‘The Changing Way We Pay: Trends in Consumer Payments’, RBA Research Discussion Paper No 05.

Payments Consulting Network (2014), ‘2013 Australian ATM and Branch Automation Market Study’, 30 May.

RBA and ACCC (2000), Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access, October.

RBA (2015a), Review of Card Payments Regulation: Issues Paper, March.

RBA (2015b), ‘Box E: Offset Account Balances and Housing Credit’, Statement on Monetary Policy, August, pp 56–57 .

Rodgers D (2015), ‘Credit Losses at Australian Banks, 1980–2013’, RBA Research Discussion Paper No 06.

Stewart C, I Chan, C Ossolinski, D Halperin and P Ryan (2014), ‘The Evolution of Payment Costs in Australia’, RBA Research Discussion Paper No 14.

Tellez E (2015), ‘Developments in Banks’ Funding Costs and Lending Rates’, RBA Bulletin, March, pp 55–61.

United States Government Accountability Office (2009), ‘Credit Cards: Rising Interchange Fees Have Increased Costs for Merchants, but Options for Reducing Fees Pose Challenges’, Report to Congressional Addressees, November. Available at <http://www.gao.gov/assets/300/298664.pdf>.

Verdier M (2011), ‘Interchange Fees in Payment Card Systems: a Review of the Literature’, Journal of Economic Surveys, 25(2), pp 273–297.