Register your interest


Register your interest


28th Annual Credit Law Conference

A must-attend for Law firms, Regulators, Banks, Credit Unions, NBFIs, P2P Lenders, Financial Services Ombudsmen, and Consumer Lenders

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



1:30 pm

DAY 1 | 5 September 2018

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

INDUSTRY UPDATE | The Australian Financial Complaints Authority (AFCA)

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

3:45 pm

Networking and refreshment break

4:10 pm

INDUSTRY UPDATE | Australian Banking Association

The Hon. Anna Bligh AC, CEO, Australian Banking Association

5:15 pm

CLOSING | Closing remarks from the Chair

5:30 pm

Welcome Reception

8:30 am

OPENING | Opening remarks from the Chair

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


8:40 am

Our financial system is the envy of the world despite the current issues around misconduct plaguing the industry at large. One area we have excelled in is regulation technology. RegTech offers cost effective tools and techniques to manage risk, regulations and compliance. This session will explore how we are already providing solutions to some of the biggest problems financial institutions face today and why adapting these technologies will contribute to a more efficient, fair and transparent financial system.


9:05 am

Does the Credit card have a future?

Chris Deeble, Associate, The Fold Legal

9:25 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.


9:55 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.

10:40 am

Networking and refreshment break


11:00 am

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

11:20 am

Update on the Combined Industry Forum

Scott Stierli, Senior Legal Counsel, Aussie

12:15 pm

Lunch and networking break | Welcome from lunch sponsor


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.

1:45 pm

Australia still takes cautionary steps when it comes to mortgage innovation and with the amount of innovation occurring in the digital space with open data we discuss how ‘useful data’ informs risk takers 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

7:00 pm

Sponsored by:

8:30 am

OPENING | Opening remarks from the Chair

Amber Warren, Partner, Dentons


8:35 am

KEYNOTE | Trust & accountability in the digital age

Professor Justin O’Brien, Director, The Trust Project, Monash University

9:00 am

Targeted and principles-based product design and distribution obligations are here and we discuss its impact on the industry and most importantly the consumer. This obligation will ensure products match a consumer’s needs, promoting fairness as well as contributing to the avoidance of prescriptive regulation in the future. Such design will re-store confidence and build trust in the financial system.

9:45 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.

10:45 am

Network and refreshment break


11:00 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.

11:30 am


Fraud in the digital age

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


12:00 pm

Discussing the positive impact of AFCA’s authority on EDRs going forward and the impact of consumer advocates on IDRs, we take a closer look at product design, disclosures and targeted distribution issues with financial literacy in mind. We will also examine what it will take to restore confidence and how customer remediation is an important part of that process.

12:45 pm

End of Conference | Lunch


Packages Price
2.5 Day Conference$3095$2795+GSTEarly BirdEarly Bird
2.5 Day Conference + Half Day Workshop$3595$3295+GSTEarly BirdEarly Bird

General Pricing

  • Early Bird rate – Expires by 31 July 2018
    – 2.5 Day Conference $2,795 + GST
    – 2.5 Day Conference + Half Day Workshop $3,295 + GST
  • Standard rate – From 1 August 2018
    – 2.5 Day Conference $3,095 + GST
    – 2.5 Day Conference + Half Day Workshop $3,595 + GST


Consumer Advocates/ Legal Aid Pricing

  • Early Bird rate – Expires by 31 July 2018
    – 2.5 Day Conference $2,195 + GST
    – 2.5 Day Conference + Half Day Workshop $2,595 + GST
  • Standard rate – From 1 August 2018
    – 2.5 Day Conference $2,595 + GST
    – 2.5 Day Conference + Half Day Workshop $2,995 + GST

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
Christian Mikula, Senior Specialist, Deposit-takers, Credit and Insurers, 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

The Hon. Anna Bligh AC

CEO, Australian Banking Association

Colin Neave AM

Customer Fairness Advisor, ANZ

Phil White

CEO, QBE Lenders' Mortgage Insurance

Anne Scott

Principal Adviser, Australian Small Business & Family Enterprise Office

Adrian Ahern

Group Customer Advocate, Westpac

Professor Justin O’Brien

Director, The Trust Project, Monash University

Jo McInstray

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 Western Australia

Dr Brendan French

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

Fiona Smedley

Partner, Herbert Smith Freehills

Chris Green

Group Senior Manager - Credit, ASIC

Katherine Temple

Senior Policy Officer, Consumer Action Law Centre

Gerard Brody

CEO, Consumer Action Law Centre, Victoria

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

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

Christian Mikula

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

Cris Parker

Director, The Banking & Finance Oath

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

when & where

05 - 07 Sep 2018

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

We have secured the Credit Law 2018 accommodation rate of $260* per room per night (Classic River View Room, including breakfast for one) for conference attendees at the Sofitel Gold Coast Broadbeach for the nights of the 4 – 6 September 2018 inclusive.

To book this rate, click here or call the Sofitel Gold Coast Broadbeach in house reservations team direct on 1800 074 465 and quote ‘Credit Law Conference to make your reservation.

* Room availability and rates are subject to availability and valid until Friday 3rd August 2018, unless sold out prior.


Still have a question?

Veronique Henrisson
Conference Producer
+61 (02) 9080 4054

Andrew Sinkovich
Sponsorship Manager
+61 (02) 9080 4008

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