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Responsible Lending and Borrowing Summit

Crucial policy updates from ASIC and innovative case studies from leading financial institutions – the definitive event for banks, lenders and lawyers.
28 Feb – 1 Mar 2017 | The Grace Hotel, Sydney

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CONSUMER ADVOCATES, NFP, START-UP & SME RATE AVAILABLE - SEE PRICING BELOW

overview

After overwhelming feedback indicating the need of a stand-alone event, we are excited to present the inaugural Responsible Lending and Borrowing Summit 2017.

With a focus on the most important concepts in the industry at this time, this event is set to be the definitive forum for banks and lenders.

Most importantly, there will be a keynote presentation from industry regulators ASIC on the significant policy updates for responsible lending and borrowing in 2017 and beyond.

The emergence of peer to peer lending, lessening the likelihood of non-compliance and fraud ‘red-flags’ will all feature; as well as interesting perspectives from both credit unions and community banks on how they approach lending differently to the ‘Big 4’.

Innovative case studies, valuable networking opportunities and crucial market updates ensure that the Responsible Lending and Borrowing Summit 2017 will be an essential event for all those in the banking, finance and legal industry.

sponsors

exhibitors

agenda

8:50 am

OPENING | Opening remarks from the Chair

Julia Winzar, Associate, Cowell Clarke Commercial Lawyer

9:00 am

Looking at how regulation and policy will affect the growth of the responsible lending and borrowing industry

9:30 am

RESPONSIBLE LENDING & BORROWING – BEST PRACTICE

  • Defining what we mean when discussing best practice
  • Identifying exemplars of best practice in today’s market
  • Looking to the future – where is responsible lending & borrowing heading?
  • Acknowledging the disruptive nature of responsible lending and how it will impact the development of lending & borrowing
  • Outlining the sustainability and growth of responsible lending and what it means for those in the industry

10:30 am

Networking and refreshment break

11:00 am

THE EMERGENCE OF PEER TO PEER LENDING

  • Peer to peer lending for investors
  • Key risks of peer to peer lending
  • Peer to peer lending from the perspective of a borrower

11:30 am

  • Discussing whether peer to peer lending has the longevity to endure in the market
  • Considering the implications peer to peer lending has on the wider concept of responsible lending
  • Is it time to get ahead of the curve and engage fully with peer to peer lending?

12:00 pm

Lunch and networking break

1:00 pm

DISPUTE RESOLUTION & RECENT CASES OF MALPRACTICE

2:00 pm

Discussing the details of recent malpractice and the ramifications on business and the industry

2:30 pm

3:00 pm

Networking and refreshment break

3:30 pm

FINANCIAL LITERACY & COMPLIANCE

After concerns over raising limits on credits cards, there is an increase for big banks to offer support to consumers in the guise of financial literacy plans. This session will be…

  • Looking at the research and methodology behind the initiative
  • Observing the strategy, distribution and execution of service
  • Discussing the outcomes and results of such a large and expensive investment

4:00 pm

After concerns over raising limits on credits cards, there is an increase for big banks to offer support to consumers in the guise of financial literacy plans. This session will take a look at MoneyMinded, ANZ’s widely successful adult financial literacy plan;

4:30 pm

CLOSING | Closing remarks from the Chair

4:45 pm

Networking drinks

5:45 pm

End of Day 1

8:50 am

OPENING | Opening remarks from the Chair

Matthew Cunningham, Partner, Minter Ellison

9:00 am

Discussing:

  • Looking at comprehensive credit reporting and alternative data for credit decisions
  • Discussing open APIs and consumer-led risk decisions
  • Where is data verification and account-scraping leading?
  • Looking at data security, fraud and global best (and worst) practice

9:45 am

BEST PRACTICE CASE STUDIES

Exploring the best practice of leading Credit Unions and their approach to responsible lending

10:15 am

Exploring the best practice of leading regional banks and their approach to responsible lending

10:45 am

Networking and refreshment break

11:15 am

BUSINESS LENDING

  • Discussing what is good enough for small business lending compared to NCC regulated consumer lending
  • Exploring the ‘Small Business Borrower Bill of Rights’ and how it could be applied in Australia
  • Looking at how Australia compares to world leaders in alternative business funding models – who’s doing it right?
  • Do the National Credit Code and Banking & Finance Oath still function as protective charters, or do they need to do more?
  • Discussing the Customer Owned Banking Code of Practice

12:00 pm

Lunch and networking break

1:00 pm

PROTECTING LENDERS & CONSUMERS

1:30 pm

What to look out for in supporting documents and in the credit report

2:00 pm

• Discussing the changes in consumer risks and industry transformation of non-bank lenders
• The death of payday lending
• Discussing how this type of lending compares to mainstream lending

2:30 pm

  • Looking at how NSW, Victoria and Queensland are managing and analysing responsible lending
  • ‘The unmet need’ – addressing anxiety around the lack of concrete answers to compliance questions
  • When and how to analyse spending patterns from bank statements
  • Acknowledging maladministration in lending and responsible lending – relevant case law analysed
  • Disclosure simplification

3:15 pm

Networking and refreshment break

3:45 pm

TOOLS FOR VERIFYING EXPENSES & INTEREST ONLY LOANS

David Jacobson, Lawyer for Financial Service Providers, Bright Corporate Law

  • Looking at the best ways to adequately determine the expenses of a borrower
  • Ensuring the borrower doesn’t overestimate their worth
  • Using benchmarks and infometric lending criteria – how does this meet legislative requirements?
  • Correctly including general living expenses

4:15 pm

  • Discussing the importance for lenders to understand the requirements and objectives of consumers
  • Looking at policies and procedures – the importance of being specific
  • The importance of conveying risk and costs
  • How can ASIC guidance on interest-only loans be applied to other products?

4:45 pm

CLOSING | Closing remarks from the Chair

5:00 pm

End of conference

pricing

Packages Price
Package(Two Days) $2295+GSTEarly Bird
Packages Price
Package(Two Days) $1195+GSTEarly Bird

speakers

winzar-julia

Julia Winzar

Associate, Cowell Clarke Commercial Lawyer

green-chris

Chris Green

Group Senior Manager - Credit, ASIC

gough-tim

Tim Gough

Deputy Ombudsman, Credit & Investment Ombudsman

ivory-elise

Elise Ivory

Partner, Dentons

field-philip

Philip Field

Lead Ombudsman – Banking & Finance, Financial Ombudsman Service

davis-sally

Sally Davis

CEO, Code Compliance and Monitoring Committee

aranha-sunil

Sunil Aranha

Co-Founder, ThinCats

symons-greg

Greg Symons

Co-Founder & COO, Society One

carter-david

David Carter

Partner, Dibbs Barker

Frances Russell-Matthews

Head of Legal & Company Secretary, Experian

commandeur-michelle

Michelle Commandeur

Senior Manager, Corporate Sustainability & Financial Inclusion, ANZ

cunnigham-matthew

Matthew Cunningham

Partner, Minter Ellison

stoyan-stuart

Staurt Stoyan

Founder & CEO, MoneyPlace

Pip Freebairn

Associate Director, Economics and Industry Policy, ABA

clare-payne

Clare Payne

Board Member, Banking & Finance Oath

David Jacobson

Lawyer For Financial Service Providers, Bright Corporate Law

burvill-lesley11

Lesley Burvill

Head of Risk, Community First Credit Union

jurss-jennifer

Jennifer Jurss

GM (Compliance) & Secretariat, Police Bank

lynch-brad

Bradley Lynch

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

mickenbecker-stephen

Stephen Mickenbecker

Group Executive Ratings and Financial Services, Canstar (moderator)

uhr-catherine

Catherine Uhr

Senior Solicitor, Legal Aid Queensland, Queensland

kelly-alexandra

Alexandra Kelly

Principal Solicitor, Financial Rights Legal Centre, New South Wales

brody-gerard

Gerard Brody

CEO, Consumer Action Law Centre, Victoria

steven-klimt

Steven Klimt

Partner, Clayton Utz

David Jacobson

Lawyer for Financial Service Providers, Bright Corporate Law

when & where

28 Feb - 01 Mar 2017

The Grace Hotel, Sydney
77 York St, Sydney NSW 2000
02 9272 6888
www.gracehotel.com.au

Book Accommodation with Lido Group
For your convenience Lido Group will manage your accommodation needs. Click here or call 02 8585 0808.

contact

Still have a question?

Christopher Platt
Conference Producer
+61 (02) 9080 4037
Christopher.Platt@informa.com.au

Paul Towle
Sponsorship Manager
+61 (02) 9080 4422
Paul.Towle@informa.com.au

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