Response to the Interim Report of the Independent Review of the Customer Owned Banking Code of Practice

This Joint Consumer Submission was developed collaboratively by consumer advocates, financial counsellors, legal assistance services, First Nations advocates and community organisations working directly with people experiencing financial difficulty, vulnerability and exclusion from banking services. The experiences reflected in our original submission were grounded in frontline casework and direct engagement with people navigating banking systems during periods of crisis, vulnerability and instability. We welcome much of the direction of the report, however there are still parts we remain concerned about.