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RBA Glossary definition for deregulation

deregulation – The progressive removal of controls on entry and operations, intended to enhance competition, and raise the productivity of the major entities in the industry concerned.

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Loan Rate Stickiness: Theory and Evidence

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1992/9206.html

Appendix 1: Data

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
This rate is used for the pre-deregulation period. RBA Bulletin, Table F.3.
https://www.rba.gov.au/publications/rdp/1992/9206/appendix-1.html

Tests of Loan Rate Stickiness

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
Figure 2 shows the movement of the various lending rates. TABLE 5: TESTS OF LOAN RATE STICKINESS: PRE-DEREGULATION. ... Comparing the pre- and post-deregulation periods, we find no change in the stickiness of the personal loan rate.
https://www.rba.gov.au/publications/rdp/1992/9206/tests-of-loan-rate-stickiness.html

Summary and Conclusions

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
For the personal loan rate, switching costs are again likely to play a role; however, the failure of the behaviour of the personal loan rate to adjust after deregulation may reflect
https://www.rba.gov.au/publications/rdp/1992/9206/summary-and-conclusions.html