		Search \| Site Map \| Glossary \| Careers \| Links \| FAQ \| Contact Us

The documents on this page are presented as Adobe PDF files. See the FAQ if you have trouble opening these files.

III SUBMISSIONS RECEIVED (VOLUME 1)

The Reserve Bank's Reform of Credit Card Schemes in Australia – III Submissions Received (Volume 1) issued on 14 December 2001, contains the following chapters:

Cover - PDF 14K
Index
A	Australian Association of Permanent Building Societies (AAPBS)
	A.1	Building societies’ response to questions on the credit card system - PDF 44K 3 August 2001
B	Australian Association of Permanent Building Societies (AAPBS) and Credit Union Services Corporation (Australia) Limited (CUSCAL)
	B.1	Media Release – Call for Balance in Interchange Fee Reform: Don’t Forget Cardholders - PDF 50K 21 August 2001
C	AAPBS, CUSCAL, Bendigo Bank and St George
	C.1	Joint Letter to the Governor - PDF 25K 17 August 2001
	C.2	Letter to the Governor - PDF 72K 6 September 2001
	C.3	Visa Debit Australia Discussion Paper - PDF 357K September 2001
	C.4	Media Release – Visa Debit Card Discussion Paper Released - PDF 60K 10 September 2001
D	American Express International
	D.1	Competition in Payment Systems - PDF 52K June 2001
	D.2	The Appropriate Scope of Credit Card Scheme Regulation (Access Economics) - PDF 261K June 2001
	D.3	Notes on Further Matters Related to Australian Credit Card Regulation (Access Economics) - PDF 81K August 2001
E	Australia and New Zealand Banking Group Limited (ANZ)
	E.1	Response to RBA/ACCC Study of Interchange Fees and Access - PDF 136K 29 January 2001
	E.2	Principles for Regulation of Credit Card Systems - PDF 193K June 2001
	E.3	Resource Costs of Alternative Payment Systems - PDF 42K 14 August 2001
F	Australia Post
	F.1	Synopsis of Submission to the Reserve Bank of Australia - PDF 9K 15 January 2001
	F.2	Letter - PDF 461K 12 October 2001
G	Australian Bankers’ Association
	G.1	Submission to the Reserve Bank of Australia to Assist in its Consideration of Designation of Credit Cards Schemes as a Payment System - PDF 83K 6 April 2001
	G.2	Credit Card Networks in Australia: An Appropriate Regulatory Framework - PDF 417K July 2001
	*	Cover letter for supplementary submissions 12 September 2001
	G.3	Supplementary Submission: Assessment of the Impact of Inappropriate Interchange Fee Levels - PDF 74K September 2001
	G.4	Supplementary Submission: Network Effects and the Setting of Interchange Fees - PDF 90K September 2001
	G.5	Supplementary Submission: Cost of Capital and Interchange Fees - PDF 98K September 2001
	G.6	Supplementary Submission: Implications of the Ansett Collapse for Credit Card Reform - PDF 51K October 2001
	*	Supplementary Submission: Credit card Merchant Service Fees in Australia – Implications for Market Competition and Possible Regulation 12 September 2001
	*	Supplementary Submission: Case Study – Smaller Financial Institutions 12 September 2001
H	Australian Retailers Association
	H.1	Submission to the Reserve Bank of Australia & Australian Competition and Consumers Commission - PDF 51K January 2001
	H.2	Credit Card Schemes in Australia - PDF 309K July 2001
	H.3	Response by the Australian Retailers Association to the ABA’s July 2001 Submission - PDF 393K 28 August 2001
	H.4	Response to the VISA card Submission - PDF 420K September 2001
I	Bankcard Association of Australia
	I.1	Letter to Governor - PDF 166K 6 April 2001
	I.2	Questions to Bankcard Association of Australia - PDF 458K 6 June 2001
J	Bank of Western Australia Ltd (BankWest)
	J.1	Letter to the Governor - PDF 1.3M 30 October 2000
K	Citibank Limited
	K.1	The Australian Credit Card System: Consultation with the Reserve Bank of Australia - PDF 26K 5 April 2001
L	Coles Myer Ltd
	*	Views on abolition of ‘no surcharge’ 29 January 2001
	*	Submission by Coles Myer Ltd February 2001
	*	Credit Card Schemes in Australia: Comments on Visa’s Report May 2001
	*	Reserve Bank of Australia’s Designation of Visa, MasterCard and BankCard July 2001
	L.1	Letter - PDF 418K 8 October 2001
M	Commonwealth Bank of Australia
	M.1	Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access – Comments by Commonwealth Bank of Australia - PDF 1.1M 20 December 2000
	M.2	Letter to the Governor, Designation of the Australian Credit Card System - PDF 130K 6 April 2001
	M.3	Designation of Credit Card Schemes in Australia - PDF 11K 3 July 2001
N	Credit Union Services Corporation (Australia) Limited (CUSCAL)
	N.1	Letter to Hon Joe Hockey - PDF 36K 21 December 2000
	N.2	Response to RBA Credit Card Questions - PDF 21K 20 July 2001
*	Diners Club Australia
		Submission to Reserve Bank of Australia 5 April 2000

* Confidential submission