Reform of Credit Card Schemes in Australia: 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 14KB
Index
A	Australian Association of Permanent Building Societies (AAPBS)
	A.1	Building societies’ response to questions on the credit card system 44KB 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 50KB 21 August 2001
C	AAPBS, CUSCAL, Bendigo Bank and St George
	C.1	Joint Letter to the Governor 25KB 17 August 2001
	C.2	Letter to the Governor 72KB 6 September 2001
	C.3	Visa Debit Australia Discussion Paper 357KB September 2001
	C.4	Media Release – Visa Debit Card Discussion Paper Released 60KB 10 September 2001
D	American Express International
	D.1	Competition in Payment Systems 52KB June 2001
	D.2	The Appropriate Scope of Credit Card Scheme Regulation (Access Economics) 261KB June 2001
	D.3	Notes on Further Matters Related to Australian Credit Card Regulation (Access Economics) 81KB August 2001
E	Australia and New Zealand Banking Group Limited (ANZ)
	E.1	Response to RBA/ACCC Study of Interchange Fees and Access 136KB 29 January 2001
	E.2	Principles for Regulation of Credit Card Systems 193KB June 2001
	E.3	Resource Costs of Alternative Payment Systems 42KB 14 August 2001
F	Australia Post
	F.1	Synopsis of Submission to the Reserve Bank of Australia 9KB 15 January 2001
	F.2	Letter 461KB 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 83KB 6 April 2001
	G.2	Credit Card Networks in Australia: An Appropriate Regulatory Framework 417KB July 2001
	*	Cover letter for supplementary submissions 12 September 2001
	G.3	Supplementary Submission: Assessment of the Impact of Inappropriate Interchange Fee Levels 74KB September 2001
	G.4	Supplementary Submission: Network Effects and the Setting of Interchange Fees 90KB September 2001
	G.5	Supplementary Submission: Cost of Capital and Interchange Fees 98KB September 2001
	G.6	Supplementary Submission: Implications of the Ansett Collapse for Credit Card Reform 51KB 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 51KB January 2001
	H.2	Credit Card Schemes in Australia 309KB July 2001
	H.3	Response by the Australian Retailers Association to the ABA's July 2001 Submission 393KB 28 August 2001
	H.4	Response to the VISA card Submission 420KB September 2001
I	Bankcard Association of Australia
	I.1	Letter to Governor 166KB 6 April 2001
	I.2	Questions to Bankcard Association of Australia 458KB 6 June 2001
J	Bank of Western Australia Ltd (BankWest)
	J.1	Letter to the Governor 1.3MB 30 October 2000
K	Citibank Limited
	K.1	The Australian Credit Card System: Consultation with the Reserve Bank of Australia 26KB 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 418KB 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 134KB 20 December 2000
	M.2	Letter to the Governor, Designation of the Australian Credit Card System30KB 6 April 2001
	M.3	Designation of Credit Card Schemes in Australia110KB 3 July 2001
N	Credit Union Services Corporation (Australia) Limited (CUSCAL)
	N.1	Letter to Hon Joe Hockey 36KB 21 December 2000
	N.2	Response to RBA Credit Card Questions 21KB 20 July 2001
*	Diners Club Australia
		Submission to Reserve Bank of Australia 5 April 2000

^*Confidential submission