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RBA Glossary definition for HAC Rule

HAC Rule – Honour All Cards Rule

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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

The Role of the Financial Sector | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
But it does point to the importance of effective supervision – especially during the boom times – rather than reliance on inflexible rules.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/role-of-financial-sector.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

Drivers of Demand | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions

1 Jun 2015 Submissions
Recent rule changes have made it easier for students to remain in Australia after graduation, including by becoming permanent residents.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-demand.html

Crisis Management and Resolution | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions

1 Aug 2014 Submissions
For example, Keppo and Korte (2014) suggest that the limits on commercial banks trading asset holdings, as part of the Volcker rules, have not resulted in a decline in risk-taking.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/crisis-management-resolution.html

Funding Bank Supervision | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
As a general rule, central banks do not charge for supervising banks.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/funding-bank-supervision.html

Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007 | Housing and Housing Finance | Submissions

8 Aug 2007 Submissions
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-home-loan-lending-practices-and-processes/

Competition in the Payments System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
The reforms also involved changes to certain restrictive rules in card networks to provide merchants with the freedom to choose which cards they would accept and to apply surcharges on card
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/competition-in-the-payments-system.html

Submission to the Inquiry into the Corporations and Financial Sector Legislation Amendment Bill 2013 | Financial Sector | Submissions

1 Apr 2013 Submissions
The importance of providing for portability is increasingly recognised internationally. Under the CPSS-IOSCO Principles for Financial Market Infrastructures, ‘a CCP should have rules and procedures that enable the segregation and
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-corporations-and-financial-sector-legislation-amendment-bill-2013.html

Key Financial Developments Since the Wallis Inquiry | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…

1 Mar 2014 Submissions
The Commission made a number of recommendations to improve disclosures, strengthen accounting rules and improve the governance of accounting bodies (HIH Royal Commission 2003).
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/financial-developments-since-wallis-inquiry.html