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RBA Glossary definition for HAC Rule
HAC Rule – Honour All Cards Rule
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Credit Risk and the Macroeconomy: Evidence from an Estimated DSGE Model
20 Nov 2009
Research Workshop
PDF
727KB
Reserve Bank of Australia Research Workshop 2009
https://www.rba.gov.au/publications/workshops/research/2009/pdf/gilchrist.pdf
Letter dated 30 June 2008 from Abacus Australian Mutuals Pty Ltd
1 Jul 2008
PDF
75KB
Subject: Responses to Preliminary Conclusions of the 2007/08 Review
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/pdf/review-0708-pre-conclusions/abacus-30062008.pdf
Review of the Reforms to Australia's Payments System - Assessment of the Preliminary Conclusions
1 Jul 2008
PDF
86KB
Responses to Preliminary Conclusions of the 2007/08 Review
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/pdf/review-0708-pre-conclusions/wbc-30062008.pdf
Reform of Australia's Payments System: Reserve Bank of Australia's Preliminary Conclusions of the 2007/08 Review: APCA Submission in…
1 Jul 2008
PDF
118KB
Responses to Preliminary Conclusions of the 2007/08 Review
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/pdf/review-0708-pre-conclusions/apca-30062008.pdf
Review of RBA Payments System Regulation
4 Sep 2007
PDF
147KB
Submission on the Issues for the 2007/08 Review
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/pdf/visa-04092007.pdf
MasterCard International Submission to the Reserve Bank of Australia on Designation of Visa Debit
14 May 2004
PDF
469KB
the applicability of the Honour All Cards (HAC) rule to Visa Debit cards; and 3. ... This universal acceptance is ensured because of the existence of the "honour all cards" rule.
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/responses-debit-scheme/mastercard-070504.pdf
Strategic Review of Innovation in the Payments System
19 Sep 2011
PDF
90KB
The RBA’s intervention to modify the Honour All Cards (HAC) rule in the Visa and MasterCard schemes enabled a dominant merchant to refuse to accept scheme debit while continuing to ... The RBA’s change to the HAC rule was unnecessary given the
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/strategic-review-of-innovation-in-the-payments-system/submissions/201106-strategic-review-innovation/abacus.pdf
Supplementary Submission to RBA Designation of Visa Debit
3 Mar 2005
PDF
67KB
and. “The HAC rule prevents discrimination by acquirers between issuers and card products within a card scheme.” 9. ... Similarly, abolition of the HAC rule would enable Woolworths to turn off Visa debit” 12.
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/responses-debit-scheme/merch-paymts-forum-110604.pdf
Letter dated 30 June 2008 from the Australia and New Zealand Banking Group Limited
1 Jul 2008
PDF
33KB
Responses to Preliminary Conclusions of the 2007/08 Review
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/review-of-card-payment-systems-reforms/pdf/review-0708-pre-conclusions/anz-30062008.pdf
Competing Payment Systems: Key Insights from the Academic Literature
9 Apr 2008
PDF
146KB
Payments System Review Conference 2007
https://www.rba.gov.au/payments-and-infrastructure/resources/publications/payments-au/paymts-sys-rev-conf/2007/3-com-pay-sys.pdf