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28th Annual Credit Law Conference

Restoring Consumer Confidence in the Digital Age

5 – 7 September 2018 | Sofitel Gold Coast Broadbeach

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The Annual Credit Law Conference brings together financial services institutions , regulators, professional service organisations, industry associations, and market disruptors to discuss the future of credit and lending in Australia.

Now in its 28th year, the Credit Law Conference curates content on significant issues afflicting the industry, topical and invaluable information and insights to inform, whilst providing strong thought leadership to ensure better consumer outcomes. The speaker faculty will not disappoint this year and the event is a must-attend for law firms, regulators, banks, credit unions, NBFIs, P2P lenders, financial services ombudsmen, and consumer lenders and advocates.

Restoring consumer confidence in the digital age will explore what we need to do as lenders to restore confidence in our products and services around lending and how we navigate this with the challenges of emerging technology and greater digitisation.

We explore:

  • Open banking
  • The Banking code of practice
  • The Australian Financial Complaints Authority (AFCA)
  • Comprehensive Credit Reporting
  • Responsible lending
  • Small Business lending practice
  • The future of credit
  • Fraud & cyber-security
  • Digital Mortages
  • Financial hardship
  • Lessons learnt from the GFC 10 years on
  • Achieving better consumer outcomes through customer advocacy



1:45 pm


2:15 pm

OPENING | Opening remarks from the Chair

Elise Ivory, Partner, Dentons


2:30 pm

REGULATORY UPDATE | Australian Securities & Investments Commission (ASIC)

Michael Saadat, Senior Executive Leader – Deposit Takers, Credit & Insurers, ASIC

3:15 pm

RegTech offers solutions to the biggest problems financial institutions face today. Adapting these technologies will contribute to a more efficient, fair and transparent financial system that will see Australia lead the way.

3:45 pm

Networking and refreshment break

4:10 pm

INDUSTRY UPDATE | Australian Banking Association

Tony Pearson, Chief Economist & Executive Director, Australian Banking Association

4:40 pm

This session will discuss the impact of the new Banking Code of Practice as well as the formation of the Australian Financial Complaints Authority (AFCA) at a time when restoring consumer confidence has never been more important. On the back of ASIC’s increase funding and proposed new regulatory strategy we will discuss the challenges ahead for the regulator and the industry as it responds to the intense scrutiny from the media and consumers alike under the Hayne Royal Commission findings so far.

5:30 pm

CLOSING | Closing remarks from the Chair

8:30 am

OPENING | Opening remarks from the Chair

Moderated by: Helen Gordon, CEO, Australian Finance Industry Association


8:40 am

Looking at the future of the credit card and why ‘millennials’ are choosing debit over credit

9:00 am

A picture tells a thousand words and the imagery used in, and presentation of, advertisements is just as important as the language used within them. The session will recap ASIC’s recent action, the common pitfalls, and what good looks like in relation to advertising.


9:30 am

CCR will significantly change the lending landscape in Australia and we discuss the implications for consumers and lenders alike. Looking at evidence from CCR pilot studies and learnings from overseas regimes we discuss who will benefit from positive data sharing and use.


10:15 am

INDUSTRY UPDATE | The Australian Financial Complaints Authority

The Hon Helen Coonan, Chair, Australian Financial Complaints Authority (AFCA)

10:45 am

Networking and refreshment break


11:00 am

Update on the Combined Industry Forum

Christine Cupitt, Executive Director - Retail Policy, Australian Banking Association

11:20 am

Invaluable insights into what causes financial hardship and why Australian households are experiencing serious debt overload.

12:20 pm

Lunch and networking break | Welcome from lunch sponsor

12:15 pm


1:00 pm

The digital space provides challenges for mortgages and we take a closer look at the legal considerations around providing credit online today.

1:20 pm

10 years since the collapse of Lehman Brothers we reflect on what Australia has learnt from such a crisis and how it still influences decisions around risk today.

2:30 pm

Network and refreshment break


2:50 pm

OMBUDSMANS’ ADDRESS | ‘Unfair contracts’

Anne Scott, Principal Adviser, Australian Small Business & Family Enterprise Office

3:10 pm

Small business finance

Andrew Galvin, Partner, HWL Ebsworth

3:15 pm

Regardless of the model used to originate business credit shared key legal issues arise. Exploring some of these issues that are unique to small-business lending, which include, determining the purpose of the loan and whether certain consumer laws apply, we look at
licensing and digital contracting issues among other prudential regulations. We examine what constitutes a “business purpose” for a loan and ask will companies like Amazon lending to small businesses and making informed decisions based on useful data change the game?

3:35 pm


4:20 pm


Rod Cameron, Partner, Hicksons


4:50 pm

Data breaches & the legal ramifications

Elise Ivory, Partner, Dentons

5:15 pm

CLOSING | Closing remarks from the Chair

5:20 pm


9:00 am

OPENING | Opening remarks from the Chair

Amber Warren, Partner, Dentons


9:05 am

KEYNOTE | Trust & accountability in the digital age

Professor Justin O’Brien, Director, The Trust Project

9:30 am

Has regulation become self-defeating? We discuss the obligations of the regulator and the regulated in these challenging times for the industry. There is a need for both but are we in need of a Financial Regulator Assessment Board? The Murray Inquiry recommended such a board be in place to provide further oversight and we debate the current regulatory architecture and why such a board is necessary, whilst acknowledging the current Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry.

10:10 am

Network and refreshment break


10:30 am

Open banking will give the consumer greater control of the data that banks and other financial institutions currently hold. This session will examine the implications around retrieving data from a financial services provider to share with a third party whilst looking at the institution’s obligations to the consumer. Looking at the United Kingdom and South African models we learn from their lessons so far what is best practice.


11:00 am

INSIGHTS | Fraud in the digital age

Scott Ainslie, Regional Director Australia & New Zealand, Financial Services ISAC


11:30 am

INSIGHTS | Behavioural approaches to dispute resolution/remediation

Sara Edmondson, Head of Behavioural Research & Policy Unit, ASIC

11:45 am

We examine the positive impact of customer advocacy when an organisation gets it right and discuss what that internal process looks from bank to bank. Looking at the difference in approach between institutions we discuss the role the advocates are playing towards better consumer outcomes and how they may be called to play a greater role going forward.

12:45 pm

End of Conference | Lunch


Packages Price
2.5 Day Conference$3095+GSTEarly Bird
2.5 Day Conference + Half Day Workshop$3595+GSTEarly Bird

Book 3 delegates and receive the 4th delegate pass at no cost
To take advantage of this offer, call us today on 02 9080 4307 or email
Note: All delegates must be from the same company and register at the same time to qualify.




10:00 WORKSHOP 1 | Australian Securities & Investments Commission (ASIC)

Chris Green, Group Senior Manager – Credit, ASIC
Richard McMahon, Senior Manager, Deposit Takers, Credit and Insurers, ASIC
Fleur Grey, Lawyer, ASIC

11:30 Networking and refreshment break

12:00 WORKSHOP 2 | Loan file ‘audit’ – ‘From intro to default’

Elise Ivory, Partner & Rachel Walker, Senior Associate, Dentons

1:30 Lunch and networking break for Workshop Attendees


The Hon Helen Coonan

Chair, Australian Financial Complaints Authority (AFCA)

Michael Saadat

Senior Executive Leader – Deposit Takers, Credit & Insurers, ASIC

Philip Field

Lead Ombudsman, Banking & Finance, Financial Ombudsman Service

Colin Neave AM

Customer Fairness Advisor, ANZ

Tony Pearson

Chief Economist & Executive Director, Australian Banking Association

Phil White

CEO, QBE Lenders' Mortgage Insurance

Anne Scott

Principal Adviser, Australian Small Business & Family Enterprise Office

Clare Petre

Independent Customer Advocate, NAB

Adrian Ahern

Group Customer Advocate, Westpac

Richard McMahon

Senior Manager Deposit Takers, Credit & Insurers, ASIC

Fleur Grey

Senior Specialist, Deposit-takers, Credit & Insurers, ASIC

Christine Cupitt

Executive Director - Retail Policy, Australian Banking Association

Professor Justin O’Brien

Director, The Trust Project

Jo McKinstray

Customer Advocate, ANZ

Dr Hilary Ray

Partner, Cowell Clarke

Scott Stierli

Senior Legal Counsel, Aussie

Katherine Forrest

Partner, King & Wood Mallesons

Sally MacKenzie

Director, COBA

Dr Andy Schmulow

Senior Lecturer, The University of Wollongong

Dr Brendan French

Group Customer Advocate & Executive General Manager Customer Advocacy & Remediation, CBA

Chris Green

Group Senior Manager - Credit, ASIC

Katherine Temple

Senior Policy Officer, Consumer Action Law Centre

Amanda Storey

Director of Legal Practice, Consumer Action Law Centre

Helen Gordon

CEO, Australian Finance Industry Association

Scott Ainslie

Regional Director Australia & New Zealand, Financial Services ISAC

Rod Cameron

Partner, Hicksons

Gregory Mowle

Lecturer, The University of Canberra

Joshua Annese

Partner, Piper Alderman

Matt Duncan

Head of Credit Strategy & Infrastructure, NAB

Suanne Russell

Practice Leader Business Lending, Westpac

Paul Abbey

Chief Risk Officer, MoneyPlace

Karen Cox

Coordinator, Financial Rights Legal Centre

Bradley Lynch

Lawyer - Financial Services, Credit, Privacy and Commercial Litigation, Credit Unions Australia

Simon Elwig

Head of Lending, Coredata

Brandon Khoo

Executive General Manager, Diversified Institutions Division, APRA

Craig MacKenzie

Co-Founder & Director, Granite Home Loans

Elise Ivory

Partner, Dentons

David Carter

Partner, Dentons

Amber Warren

Partner, Dentons

James Moore

Partner, HWL Ebsworth

Hong-Viet Nguyen

Partner, HWL Ebsworth

Michael Anastas

Partner, HWL Ebsworth

Andrew Galvin

Partner, HWL Ebsworth

Andrea Beatty

Consulting Principal, Keypoint Law

when & where

05 - 07 Sep 2018

Sofitel Gold Coast Broadbeach
81 Surf Parade
Broadbeach QLD 4218
Tel: 1800 074 465

The special accommodation rate has now expired. To book your accommodation, please contact the Sofitel Gold Coast Broadbeach direct.


Still have a question?

Veronique Henrisson
Conference Producer
+61 (02) 9080 4054

Andrew Sinkovich
Sponsorship Manager
+61 (02) 9080 4008

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