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RBA Glossary definition for HAC Rule

HAC Rule – Honour All Cards Rule

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Objectives and Types of Financial Regulation | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…

6 Sep 1996 Submissions
It works through rules which minimise the chance that supervised institutions will become insolvent and, failing that, by crisis management procedures. ... The cornerstone of these rules is that the institutions have adequate capital to cover the risks
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/objectives-and-types-of-financial-regulation.html

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

14 Aug 2015 Submissions PDF 905KB
Specifically, card schemes. had rules that: prohibited merchants from charging more for accepting their cards than for. ... other payment instruments – ‘no-surcharge’ rules; and required merchants to take all cards.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf

The Payments System | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions

1 Aug 2014 Submissions
Accordingly, the Bank does not support the option of allowing established payment schemes to reintroduce ‘no-surcharge’ rules. ... A number of other jurisdictions have followed the PSB's reforms and have also banned restrictive no-surcharging rules.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/payments-system.html

Supplementary Submission to the Financial System Inquiry August 2014

26 Aug 2014 Submissions PDF 339KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/pdf/financial-system-inquiry-2014-08.pdf

Present Regulatory Responsibilities | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
Advisers can give advice on functionally similar life insurance investment products and securities, but be required to follow different advice rules. ... The exchanges have detailed rules for the conduct of derivatives and securities trading.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/present-regulatory-responsitilities.html

Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions

1 Jun 2015 Submissions
In particular, the shift from traditional rules of thumb based on debt-servicing ratios for assessing mortgage serviceability to more sophisticated net income surplus models, discussed in Laker (2007) and elsewhere,
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html

Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
Some ADIs are subject to tougher rules and more intense supervision because of their greater risk profile and complexity, or for financial stability reasons. ... rules – such as ‘no-surcharge’ rules (Bullock 2010; Chan, Chong and Mitchell 2012;
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html

Submission to the Independent Review of the Public Governance, Performance and Accountability Act 2013

21 Dec 2017 Submissions PDF 108KB
In addition, we note an earlier submission made to the Department of Finance addressing issues arising from the Rule regarding material personal interests and indemnities. ... That submission was made on 23 March 2017 and proposed changes to sections 12,
https://www.rba.gov.au/publications/submissions/other/submission-to-the-independent-review-of-the-public-governance-performance/submission-to-the-independent-review-of-the-public-governance-performance.pdf

Superannuation | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
While this risk is partially mitigated by preservation rules, portfolio shifts could become more pronounced over the longer term as an increasing share of workers reach preservation age and potentially become
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/superannuation.html

Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…

1 Mar 2014 Submissions
Submission to the Financial System Inquiry 5. Sectoral Trends in Funding Patterns in the Australian Economy. Download 3.1. MB. This Chapter analyses some of the key trends in the sources and uses of funds by each sector of the economy. The overall
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html