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29th Annual Credit Law Conference

Royal Commission, reform and re-establishing trust

4-6 September 2019 | Sheraton Mirage, Gold Coast

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Early Bird Rate (SAVE $300) - Expires on 31 July 2019 // See Pricing Below

overview

Join us on 4-6 September 2019 at the Sheraton Mirage, Gold Coast, for the 29th annual Credit Law Conference.

Bringing together financial services institutions, regulators, professional service organisations, industry associations, and market disruptors, the annual conference and networking event is a critical platform to discuss the future of credit and lending in Australia.

This year’s expert speaks will provide commentary on the key issues currently afflicting the industry, topical and invaluable information and insights to inform, as well as strong thought leadership to ensure better consumer outcomes.

In the wake of the Royal Commission into Misconduct into Banking, Superannuation and Financial Services, this year’s comprehensive agenda will also shine a light on the implementation of Commissioner Hayne’s recommendations, with a strong focus on ensuring better consumer outcomes.

In a year of reform and re-establishing trust, the Credit Law Conference 2019 is a critical platform for open dialogue and is a not-to-be-missed event for Australia’s law firms, regulators, banks, credit unions, NBFIs, P2P lenders, financial services ombudsmen, and consumer lenders and advocates.

sponsors

Major Sponsor Gala Dinner Sponsor Networking Drinks Sponsor

agenda

1:45 pm

CONFERENCE REGISTRATION | Lunch, Tea & Coffee

2:15 pm

OPENING | Opening remarks from the Chair

Amber Warren, Partner, Dentons

THE ROYAL COMMISSION, REFORM & RE-ESTABLISHING TRUST

2:30 pm

REGULATORY UPDATE | ASIC

Michael Saadat, Executive Director, Financial Services, ASIC

3:05 pm

INDUSTRY UPDATE | Australian Banking Association

Christine Cupitt, Executive Director, Policy, Australian Banking Association

3:30 pm

Networking and refreshment break

3:55 pm

LEGAL YEAR IN REFLECTION | The Royal Commission

Andrea Beatty, Partner, Piper Alderman

4:20 pm

Commissioner Hayne (Principle 3), Corporations Act (s 912A), community expectations and statutory Codes of Ethics (e.g. FASEA) now all reference the language of ‘fairness’, so what does it mean in the new financial services environment. Is it a legal concept, an ethical one or a community one and how do we navigate through the various versions in practice?

4:45 pm

The Royal Commission provided a huge opportunity for the industry to reconnect to its purpose and begin to restore consumer confidence. In order to articulate what that purpose is a strong focus on professionalising is being called for. Whether banking is a profession, is open to debate.

  • If professionalising is key, what steps are being taken to achieve this both internally and externally?
  • What lessons can be learnt from the UK moving to achieve this?
  • What is the competitive advantage?
  • As regulation alone cannot restore consumer confidence will professionalising banking achieve the right balance between regulation and self-regulation in order to change public perception

5:30 pm

CLOSING | Closing remarks from the Chair

5:45 pm

WELCOME RECEPTION

8:45 am

OPENING | Opening remarks from the Chair

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

8:55 am

KEYNOTE | Culture Ignited - The new world under the accountability regime

Samantha Carroll, Director, Ash Street

COMPLIANCE POST HAYNE

9:20 am

INSIGHTS | Customer centric compliance

Julian Fenwick, Chair, RegTech Association

9:40 am

INSIGHTS | The Expense Verification Framework Initiative

Lisa Schutz, CEO Verifier, Member, Consumer Data Standards Advisory Committee

10:00 am

  • What are the ACL holders’ concerns around compliance post Hayne?
  • A holistic approach combining regulatory watch, compliance, legal, and business functions, does not have to be more complicated than it already is so what are the solutions?

10:40 am

Networking and refreshment break

REGULATORY REFORM

11:00 am

INSIGHTS | ASIC’s Product Intervention Powers

Dr Marina Nehme, Senior Lecturer, Faculty of Law, UNSW Australia

11:25 am

INDUSTRY INSIGHTS | Design & Distribution Obligations

Susan Mitchell, CEO, Mortgage Choice

11:45 am

ROUNDTABLE | The implications of PIP & DADO

Damian Kassabgi, Head of Public Policy, Afterpay

Karl Turner, Executive Director Policy & Risk Management, Australian Finance Industry Association

Karen Cox, CEO, Financial Rights Centre

Christian Mikula, Group Senior Specialist Major Projects, Financial Services, ASIC

Susan Mitchell, CEO, Mortgage Choice

Michael Anastas, Partner, HWL Ebsworth

12:30 pm

Lunch and networking break

RESPONSIBLE LENDING

1:15 pm

UPDATE | RG 209

Jon Denovan, Special Counsel, Dentons

1:40 pm

KEYNOTE | Best interests’ duty

Jaime Lumsden Kelly, Solicitor Director, The Fold Legal

2:05 pm

The Government has chosen not to implement Hayne’s recommendation to abolish trailing commissions but it will review the impact of removing them in three years’ time.

The Council of Financial Regulators and the Australian Competition and Consumer Commission will undertake the review.

—— What could those implications be and how would the broking industry respond?

ENFORCEMENTS

2:45 pm

UPDATE | Enforcements

Rod Cameron, Partner, Hicksons

3:15 pm

Network and refreshment break

THE LENDING REVOLUTION

3:35 pm

The challenges faced by small businesses when borrowing fare numerous but with new operators providing better options on highly accessible platforms small business operators are better serviced more and more by tech-savvy lenders?

  • What are the advantages of borrowing online from such lenders?
  • What are the remaining obstacles to digital lending for this sector and how is data and technology overcoming this?
  • Why are approval rates higher with these lenders?

DEBATE

4:20 pm

DEBATE | Is litigation the most appropriate response?/ Are the penalties right?

5:00 pm

Close of day two of conference

7:00 pm

GALA DINNER

8:55 am

OPENING | Opening remarks from the Chair

Elise Ivory, Partner, Dentons

ANTI-MONEY LAUNDERING

9:00 am

UPDATE | Anti-Money Laundering update - current reforms and AUSTRAC priorities

James Moore, Partner, HWL Ebsworth

COMPLAINTS, DISPUTES & REMEDIATION

9:30 am

AFCA UPDATE & Q&A | Australian Financial Complaints Authority

David Locke, Chief Ombudsman & CEO, AFCA

10:00 am

10:45 am

Network and refreshment break

ADVERTISING

11:10 am

KEYNOTE | Point of sale, exemption and advertising

David Carter, Partner, Dentons

TOWARDS A FAIRER FINANCIAL SYSTEM

11:40 am

INSIGHTS | CCR and Credit Scoring - can technology and legislation converge

Greg Ashe, Director, QED Risk Services

12:00 pm

As per the timeline,

1 July 2019 – Australia’s ‘big four’ banks – CBA, ANZ, NAB and Westpac – to make data available on credit and debit card, deposit and transaction accounts.

1 February 2020 -The big four to make mortgage data available.

1 July 2020 – The big four to make consumer data available on all other nominated deposit and lending products (e.g. pensioner deeming accounts, trust accounts, foreign currency accounts, business finance, consumer leases and asset finance).

All entities holding banking licences (other than foreign banking branches) to make data available on credit and debit card, deposit and transaction accounts.

1 February 2021 – All entities holding banking licences (other than foreign banking branches) to make mortgage data available.

1 July 2021 – All entities holding banking licences (other than foreign banking branches) to make consumer data available on all other nominated products. (courtesy of CHOICE website)

  • Are we ready?
  • How will consumers be educated to utilise open banking to their advantage?
  • Will the use of risk-based pricing make loans unaffordable for the already disadvantaged?
  • Will open banking assist with financial inclusion?

12:45 pm

End of Conference | Lunch

pricing

Packages Price
2.5 Day Conference$3195$2895+GSTEarly BirdEarly Bird
2.5 Day Conference + Half Day Workshop$3695$3395+GSTEarly BirdEarly Bird
Packages Price
2.5 Day Conference$2595$2295+GSTEarly BirdEarly Bird
2.5 Day Conference + Half Day Workshop$2995$2695+GSTEarly BirdEarly Bird

Standard Pricing

Early Bird Rate
2.5 Day Conference – $2,895 + GST – (Save $300) // Expires on 31 July 2019
2.5 Day Conference + Half Day Workshop – $3,395 + GST – (Save $300) // Expires on 31 July 2019

Standard Rate
2.5 Day Conference – $3,195 + GST // From 1 August 2019
2.5 Day Conference + Half Day Workshop – $3,695 + GST // From 1 August 2019

Consumer Advocates/ Legal Aid Pricing

Early Bird Rate
2.5 Day Conference – $2,295 + GST – (Save $300) // Expires on 31 July 2019
2.5 Day Conference + Half Day Workshop – $2,695 + GST – (Save $300) // Expires on 31 July 2019

Standard Rate
2.5 Day Conference – $2,595 + GST // From 1 August 2019
2.5 Day Conference + Half Day Workshop – $2,995 + GST // From 1 August 2019

speakers

Michael Saadat

Executive Director, Financial Services, ASIC

Dr Deen Sanders OAM

Partner, Deloitte

Jaime Lumsden Kelly

Solicitor Director, The Fold Legal

Elise Ivory

Partner, Dentons

Julian Fenwick

Chair, RegTech Association

Lisa Schutz

CEO Verifier, Member, Consumer Data Standards Advisory Committee

Gerard Brody

CEO, consumer Action Law Centre

Amanda Storey

Director of Legal Practice, Consumer Action Law Centre

Pauline Vamos

Director, The Banking & Finance Oath

Christine Cupitt

Executive Director, Policy, Australian Banking Association

Damian Kassabgi

Head of Public Policy, Afterpay

Dr Marina Nehme

Senior Lecturer, Faculty of Law, UNSW Australia

Susan Mitchell

CEO, Mortgage Choice

David Locke

Chief Ombudsman & CEO, AFCA

Catherine Wolthuizen

Chair of the Board, Consumer Policy Research Centre (CPRC) & Independent Consumer & Financial Services Consultant, NAB, Financial Counselling Australia & Consumer Action Law Centre

Narelle Smythe

Partner, Clayton Utz

Helen Gordon

CEO, Australian Finance Industry Association

Amber Warren

Partner, Dentons

Andrea Beatty

Partner, Piper Alderman

Samantha Carroll

Director, Ash Street

Bradley Lynch

Senior in house Counsel, People's Choice Credit Union

Greg Ashe

Director, QED Risk Services

Karl Turner

Executive Director Policy & Risk Management, Australian Finance Industry Association

Karen Cox

CEO, Financial Rights Centre

Christian Mikula

Group Senior Specialist Major Projects, Financial Services, ASIC

Michael Anastas

Partner, HWL Ebsworth

Jon Denovan

Special Counsel, Dentons

Tim Donahoo

Head of Lending Operations, Mortgage Choice

Rachel Walker

Senior Associate, Dentons

Rod Cameron

Partner, Hicksons

Jill Lawrence

Director of Advocacy (Acting), Australian Small Business & Family Enterprise Ombudsman

Anna Fitzgerald

Group Head of Corporate Relations, Prospa

Adam Lane

Managing Director, Tradeplus247

David Carter

Partner, Dentons

James Moore

Partner, HWL Ebsworth

Hong-Viet Nguyen

Partner, HWL Ebsworth

Insights

How should brokers prepare for the potential arrival of the Best Interests Duty?
Read more…

Event Images

View images from Credit Law Conference 2018

EdgePhotographyGC-1213

PRE-CONFERENCE WORKSHOPS

Date: 4 September 2019

9:30 WORKSHOP REGISTRATION | Tea & Coffee

10:00 WORKSHOP 1 | ASIC

11:30 Networking and refreshment break

12:00 WORKSHOP 2 | AFCA

1:30 Lunch and networking break for Workshop Attendees

when & where

04 - 06 Sep 2019

Sheraton Grand Mirage Resort, Gold Coast
71 Sea World Drive
Main Beach QLD 4217
+61 7 5577 0000

SPECIAL ACCOMMODATION RATE
We have secured the Credit Law 2019 accommodation rate of $290* per room per night, including breakfast for one, for conference attendees at the Sheraton Grand Mirage Resort Gold Coast for the nights of the 3-5 September 2019 inclusive.

To book this rate, click here.

* Room availability and rates are subject to availability and valid until Friday 2nd August 2019, unless sold out prior.

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contact

Still have a question?

Veronique Henrisson
Conference Producer
+61 (02) 9080 4054
Veronique.Henrisson@informa.com

Andrew Sinkovich
Sponsorship Manager
+61 (02) 9080 4008
Andrew.Sinkovich@informa.com.au

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