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- March 2013 (3)
- February 2013 (1)
- December 2012 (4)
- November 2012 (2)
- October 2012 (1)
- September 2012 (4)
- August 2012 (1)
- July 2012 (2)
- June 2012 (3)
- May 2012 (1)
- April 2012 (1)
- March 2012 (4)
- February 2012 (2)
- January 2012 (2)
- December 2011 (2)
- November 2011 (1)
- October 2011 (1)
- September 2011 (2)
- August 2011 (5)
- July 2011 (4)
- June 2011 (3)
- May 2011 (7)
- 30: Case note: financial institution liability for forgeries
- 23: APRA’s expectations in relation to APS 310 reports
- 23: The future for Australian co-operatives
- 19: Proposed Financial Institutions Supervisory Levies for 2011-12
- 17: Case note: wife’s guarantee not enforceable
- 09: Banking competition and mutuals
- 03: Grameen microfinance update
- April 2011 (5)
- March 2011 (5)
- February 2011 (4)
- January 2011 (3)
- December 2010 (10)
- 28: Archived Posts Sitemap: Credit Union and Mutual Law Blog
- 23: APRA reviews right to use “bank”
- 21: FOS case study: uncancelled line of credit
- 21: FOS case study: Break costs
- 19: APRA’s approach to new global liquidity standard
- 19: Switching costs
- 15: APRA APS120 update
- 12: APRA on the duties of boards and risk appetites
- 12: APRA securitisation update
- 02: Managing old products
- November 2010 (6)
- October 2010 (7)
- September 2010 (6)
- August 2010 (3)
- July 2010 (7)
- 26: APRA’s powers extended
- 22: US financial reform and more for Australia
- 18: Smart deposits
- 15: Could a lender become a shadow director of a debtor?
- 15: Proof of service of default notices
- 07: Super Review: what about RSA’s?
- 06: APRA’s capital treatment of reverse mortgages and shared equity mortgages
- June 2010 (4)
- May 2010 (6)
- 30: How checklists can help with regulatory compliance
- 30: Introducing Ronen Atzmon, Langes+ Melbourne
- 28: National Consumer Credit: audit implications
- 28: Obtaining personal information unlawfully: Facebook and social media
- 12: Government encourages deposits
- 05: Consumer credit hardship threshold reduced
- April 2010 (7)
- 26: Debt/equity instrument tax changes
- 26: Where are they now? Australian credit union history
- 21: Employment law seminar: Sydney 18 May
- 13: Small businesses in financial difficulty and mutual lenders
- 05: Resolving member disputes and general meetings
- 05: Compliance planning
- 01: Listen to a walk-through of the ASIC online credit registration form
- March 2010 (5)
- February 2010 (10)
- 22: Exposure draft Co-operatives National Law released
- 19: Mutuals merger: scheme of arrangement
- 19: Case study: challenge to CBA’s employment termination
- 18: Langes compliance assurance meeting 24 February 2010
- 16: Things you need to do under the Fair Work Act
- 16: Problems with loan assignments
- 13: Consumer credit hardship threshhold increased (0)
- 12: Closure of government large deposit guarantee scheme
- 05: What can I learn from your branch design?
- 04: Director training
- January 2010 (6)
- December 2009 (14)
- 29: External dispute resolution scheme changes
- 29: Financial Ombudsman case studies
- 29: APS 120 securitisation transition
- 28: AML compliance report 2009 guidelines
- 23: AMInstitute Mutual ADI Directors’ Compliance Manual
- 22: APRA discussion paper on Basel II Framework (0)
- 18: APRA liquidity update
- 17: Mortgagee sale update: Kravchenko v The Rock Building Society (0)
- 17: Langes compliance assurance package (0)
- 13: Negotiating new or varied remuneration arrangements by ADI’s: compliance with APS 510 (0)
- 13: Consumer credit code hardship threshold increased (0)
- 13: Choice: credit union banana smoothies customers more satisfied than banks’ (0)
- 07: What’s ahead in 2010 for finance industry regulation? (0)
- 01: APS 510 amended (0)
- November 2009 (13)
- 30: Langes Compliance Assurance meeting 1 December 2009 (0)
- 27: Abbey National overdraft fees not open to OFT investigation (0)
- 24: When can a credit union dispense with a PDS? (0)
- 20: Joint accounts and privacy (0)
- 18: Changes to award for credit union employees: exemption for high paid employees removed (0)
- 13: Who is entitled to the surplus proceeds of sale by the first mortgagee? (0)
- 12: NSW Mortgage duty changes (0)
- 12: Internet banking and ADI points of presence (0)
- 11: CUA v Lyons: recovery of moneys advanced to customer by mistake (0)
- 10: APRA Chair at Abacus 09 (0)
- 10: How organisations can be different (0)
- 06: Can a lender rely on a solicitor’s certificate of advice given to a borrower’s attorney? (0)
- 01: Abacus Convention (0)
- October 2009 (5)
- September 2009 (11)
- 30: Can you protect your old marketing ideas? (0)
- 25: EFT Code update (0)
- 20: Company charges: Octaviar appeal allowed (0)
- 18: Senate review of deposit and funding guarantees and mutuals (0)
- 18: Bank mergers review and mutuals (0)
- 13: Integrating AFSL and ACL compliance: a visual example (0)
- 11: APRA issues liquidity risk management proposals (0)
- 10: Do you need to review your executive employment agreements and consultancies? (0)
- 07: APRA responds to submissions on ADI remuneration (0)
- 07: Advertising mortgagee sales: are internet listings an alternative to newspapers? (0)
- 06: Calculation of break costs on fixed rate loan (0)
- August 2009 (6)
- July 2009 (14)
- 30: Deposit guarantee scheme update (0)
- 29: NAB drops overdrawn account fees (0)
- 28: What does it take to make a good director? (0)
- 23: Responsible lending (0)
- 20: Subscribe to Langes National Credit Code Reform updates (0)
- 16: Update your compliance system to include credit license obligations (0)
- 13: The mutual difference (0)
- 11: The cost of harmonisation (0)
- 10: Customer satisfaction: Greater is better than great (0)
- 10: Consumer credit code hardship threshold increased (0)
- 10: Case note: mortgage signature not valid (0)
- 06: Financial sector levies increase (0)
- 03: Generational differences in dealing with compliance (part 2) (0)
- 01: Bank direct debit review (0)
- June 2009 (13)
- 27: Making compliance fun (0)
- 25: National Consumer Credit Reform exposure draft bill changes (0)
- 23: No GST payable on credit card late payment fees (0)
- 21: Victorian unfair credit terms law: are your fees unfair? (0)
- 20: Dealing with economic cycles (0)
- 20: Mandatory Comparison Rates regime extended (0)
- 19: Mortgage duty update (0)
- 18: NSW New Home Buyers Supplement extended (0)
- 17: Quarterly Credit Union and Building Society Performance Statistics (0)
- 14: Consumer Credit Code hardship threshold increased (0)
- 11: New Langes partner appointed: Patrick Dwyer (0)
- 11: APRA levy to increase (0)
- 03: Consumer Credit Code amendments start (0)
- May 2009 (15)
- 30: Company charges and the Octaviar decision (0)
- 28: ADI executive remuneration policies: draft governance standards (0)
- 28: Pandemic Risk Management (0)
- 28: Mutual Banking Code of Practice (0)
- 25: Mistaken payments to customers (0)
- 22: Direct debit cancellations (0)
- 21: The role of a compliance officer (0)
- 20: Merger issues for mutuals: the importance of preliminary discussions (0)
- 20: Consumer Credit Code hardship threshold increased (0)
- 19: National Consumer Credit Protection Bill: new concepts (0)
- 13: 2009-10 Budget (0)
- 12: The largest US credit unions (0)
- 09: APRA’s Probability and Impact Rating System (PAIRS) (0)
- 08: Helping home borrowers in financial hardship (0)
- 01: Mergers forum wrap up (0)
- April 2009 (15)
- 27: Australian credit licensing (0)
- 27: Hardship threshold to be increased in new consumer credit bill (0)
- 26: National consumer credit licensing (0)
- 25: Customer education: ATM skimmers (0)
- 24: Demutualisation of Friendly Societies and Capital Gains Tax (0)
- 22: Draft term subordinated note regulation released for comment (0)
- 20: Final reminder: Mutuals merger forum 30 April (0)
- 16: NSW Real Property and Conveyancing Legislation Amendment Bill 2009 (0)
- 12: Dealing with employee fraud (0)
- 10: APRA’s ten dimensions of executive remuneration (0)
- 07: Financial Ombudsman Service outlines policy on parallel proceedings (0)
- 07: Financial Stability Forum Principles for Sound Compensation Practices (0)
- 06: New award for credit union employees (0)
- 05: The fence at the top of the cliff (0)
- 03: Mutuals Mergers Forum 30 April (0)
- March 2009 (15)
- 30: Misleading advertising: ASIC targets Westpac (0)
- 28: Does your reporting system include negative covenants and warranties in contracts? (0)
- 26: ACCC approves amended Woolworths epump proposal (0)
- 25: APS 310 audit (0)
- 20: Turner Review of global banking regulation (0)
- 19: Changes to director and executive retirement and termination payments (0)
- 19: Sustainability and environmental reporting and risk management (0)
- 18: AMI Conference wrap up (0)
- 13: Consumer Credit Code hardship threshold increased (0)
- 08: Award modernisation in the financial services industry (0)
- 08: ATM disloyalty fees abandoned (0)
- 08: See you at AMI in Canberra (0)
- 08: Date claimer: credit union and mutuals mergers seminar (0)
- 04: ATM fees (0)
- 02: Unfair contracts law: an economist’s view (0)
- February 2009 (17)
- 28: Consumer Credit Code penalty: Australian Finance Direct (0)
- 27: FSA Code of practice on remuneration policies (0)
- 26: New products for a low interest rate environment (0)
- 23: Dealing with financially distressed customers and suppliers (0)
- 22: ATM fees: competition consequences (0)
- 20: Microfinance: Tasmanian StepUP program (0)
- 19: Impact of Regulatory Evolution upon the Australian Credit Union Sector (0)
- 19: Mortgage duty update (0)
- 17: National consumer protection law: implications for financial services and unfair contracts (0)
- 15: Heartland card processing data breach (0)
- 13: Breaking a Fixed Rate Loan (0)
- 13: Consumer Credit Code hardship threshold reduced (0)
- 12: Is your use of a celebrity’s name in a proposed trade mark confusing? (0)
- 11: Fee disclosure (0)
- 09: Credit Union Victorian Bushfire Emergency Relief (0)
- 08: The financial crisis and the future of financial regulation (0)
- 02: US credit union regulator supports corporate credit unions (0)
- January 2009 (13)
- 26: Paying at the petrol pump (0)
- 24: The future of the world financial system: scenario planning (0)
- 23: What happens when 2 deposit guaranteed ADI’s merge? (0)
- 21: Langes compliance workshop February 2009 (0)
- 21: Consumer Credit Code hardship threshold (0)
- 17: Privacy and reputation risk: eavesdropping in public places (0)
- 17: ATM fee reforms and GST (0)
- 16: What is unfair lending? (0)
- 12: Credit union corporate governance: risk management (0)
- 06: Are banks having an identity crisis? (0)
- 06: Break (early termination) fees (0)
- 04: Financial Ombudsman Service Mutuals division established (0)
- 04: Co-operatives argue their case (0)
- December 2008 (11)
- 28: Outsourcing: third party relationships (0)
- 28: Community Development Finance in Australia
- 23: Credit unions: year in review and tips for the future (0)
- 22: Langes Adelaide Office moves (0)
- 22: PHIAC restructure: health fund mergers, capital and governance standards (0)
- 17: Consumer credit hardship threshold change (0)
- 16: Choice reviews First Home Saver accounts (0)
- 15: Increase in financial services disputes (0)
- 14: Transaction fee disclosure on statements for deposit products (0)
- 12: The importance of corporate memory (0)
- 11: Queensland mortgagee sale update (0)
- November 2008 (14)
- 26: Langes December Compliance topics (0)
- 25: Consumer credit hardship threshold change (0)
- 25: Capital risk weighting on government guaranteed deposits and debts (0)
- 21: Government Guarantee Of Large Deposits – 28 November Deadline For Application (0)
- 19: Board leadership and governance for mutuals (0)
- 16: The KPMG Annual Financial Institutions Performance Survey (0)
- 15: APS 330 disclosure: Westpac (0)
- 14: Deposit guarantee update (0)
- 12: APRA releases draft revised ADI auditor requirements (0)
- 09: Future trends (0)
- 08: Demutualisation of Friendly Societies and Capital Gains Tax: Discussion Paper (0)
- 04: We’re working on a new website: comments requested (0)
- 02: Risk management: mutual directors’ duties in dealing with a takeover or merger offer (0)
- 01: EFT Code of Conduct change: Account switching and listing (0)
- October 2008 (33)
- 29: Treasury provides further details on the wholesale funding and deposit guarantees (0)
- 26: Relief from capital gains tax on demutualisation of friendly societies (0)
- 25: Deposit guarantee and financial claims scheme legislation update (0)
- 23: Mutual ADI’s as social enterprises (0)
- 22: Abacus Darwin update Day 3 (0)
- 22: Mutual Banking Code of Practice update (0)
- 22: Abacus Darwin update Day 2 (0)
- 22: Consumer credit hardship threshold increased (0)
- 21: John Laker: Q and A’s (0)
- 20: John Laker’s speech at Abacus Australian Mutuals conference: Mutuals in turbulent times (0)
- 20: Abacus Convention Day 2: the Build Up (0)
- 19: Abacus Mutuals Conference Darwin: Day 1 (0)
- 19: Financial institution executive pay (0)
- 17: Privacy breach: Aussie Home Loans (0)
- 16: Opportunities for sustainable growth (0)
- 16: Responsibility in the Financial Sector (0)
- 16: Instalment Contracts and the Uniform Consumer Credit Code (0)
- 15: Financial Claims Scheme Bill introduced (0)
- 14: Duty of mortgagee to sell at market value: practical tips (0)
- 13: Unfair selling of income protection insurance: Alliance & Leicester fined £7 million (0)
- 13: New Zealand deposit guarantee scheme (0)
- 12: Australian government guarantees Australian bank, building society and credit union deposits (0)
- 12: Abacus Mutuals Convention (0)
- 12: Langes office directory (0)
- 11: About Langes+
- 08: Are SMS messages to customers spam? (0)
- 08: Data breach notifications (0)
- 07: Credit code reform details (0)
- 07: Daily updates by email available (0)
- 03: Details of Commonwealth takeover of consumer credit regulation released (0)
- 01: Privacy complaints in financial services (0)
- 01: GE Money UK fined for poor systems and controls (0)
- 01: Explaining the difference between a credit union and a bank (0)
- September 2008 (12)
- 29: Demutualised Bradford & Bingley to be nationalised (0)
- 26: Irish deposit protection guarantee sets the lead (0)
- 24: How popular is online banking? (0)
- 23: Next Langes compliance meeting (0)
- 21: Global financial crisis and Australian regulation (0)
- 14: Copyright and marketing (0)
- 09: Announcement: Langes+ expands (0)
- 07: Explaining compliance and breach reporting
- 05: ATMs and Cash Facilities in Licensed Venues Bill 2008 (0)
- 05: AML training tools for credit unions and mutuals (0)
- 04: Have you checked your procedures for discrimination? (0)
- 02: Opportunities under personal property securities reform (0)
- August 2008 (14)
- 31: Friendly societies in transition (0)
- 28: Can you rely on third parties to protect your customers’ privacy? (0)
- 26: Going back to basics with mortgages: why did the sub-prime crisis occur? (0)
- 26: Privacy and data breach notification (0)
- 24: Risk management lessons from ANZ securities lending review (0)
- 22: What risk management procedures do your third party providers have? (0)
- 21: Good banking practice (0)
- 20: Consumer credit hardship relief (0)
- 19: Unfair fees (0)
- 12: Privacy and credit reporting (0)
- 10: Langes compliance meeting (0)
- 10: Inquiry into competition in the banking and non-banking sectors (0)
- 03: Access to member register of building societies, credit unions and friendly societies (0)
- 03: UK Financial Services Authority penalties (0)
- July 2008 (19)
- 31: APRA’s prudential requirements for First Home Saver Accounts (0)
- 27: AMI Leadership Development Conference 26 July 2008 (0)
- 27: Gender equality in financial services (0)
- 24: Competition issues for credit union mergers: Westpac and St.George (0)
- 21: Marketing, compliance and truth in lending (0)
- 18: Managing compliance (0)
- 16: Lessons from the Financial Turmoil of 2007 and 2008 (0)
- 15: Do you really want to know what your members think? (0)
- 14: What is involved in legally “clearing” an ad? (0)
- 13: Physical security: a privacy risk (0)
- 09: AML/CTF compliance tips (0)
- 08: Differentiating credit unions and mutuals from banks (0)
- 08: Risk management tools (0)
- 07: First Home Saver Accounts: too complex and no fun? (0)
- 04: Requirements for making a declaration under APS 310 (0)
- 04: Dealing with regulators (0)
- 03: UK credit union law reform (0)
- 03: Website review checklist (0)
- 02: Website disclosures about your organisation’s capital management: APS 330 (0)
- June 2008 (2)
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Posted 28th December 2010 by admin in Weblogs