Resources for consumers

Accessibility and support

The COBCCC is committed to being accessible to all Australians and is focused on ensuring vulnerable and disadvantaged people can readily use our service.

The Committee abides by the legislation of the Disability Discrimination Act 1992 .

You can contact us and tell us if you need assistance to report an issue.

Other help for consumers

The COBCCC collects information about potential Code breaches to improve industry practice. These organisations may be able to assist if you have other concerns.

Dispute resolution

Australian Financial Complaints Authority (AFCA)

AFCA provides consumers and small businesses with fair, free and independent dispute resolution for financial complaints.

 Financial counsellors

Financial Counselling Australia (FCA)

FCA’s website has a service locator for organisations providing financial counselling in each state and territory.

You can also call 1800 007 007 to be automatically transferred to the phone service in your state (free call 9.30am to 4pm, Monday to Friday).

Legal aid

National Legal Aid

This organisation’s website features a list of legal advice contacts for each state or territory.

These services are free, independent and confidential.

Community legal centres

National Association of Community Legal Centres

Community legal centres (CLCs) are independently-operated, not-for-profit community organisations that provide legal and related services to the public, focusing on the disadvantaged and people with special needs.

Consumer credit legal centres

These centres provide advice for consumers with legal questions about financial services.

ACT: Consumer Law Centre http://www.carefcs.org/consumer-law-centre-act.html

NSW: Consumer Credit Legal Centre https://financialrights.org.au/

QLD: Caxton Legal Centre https://caxton.org.au/

SA: Consumer Credit Law Centre https://www.unitingcommunities.org/service/legal-services/consumer-credit

TAS: Consumer Credit Hotline https://www.hobartlegal.org.au/

VIC: Consumer Action Law Centre https://consumeraction.org.au/

WA: Consumer Credit Legal Service http://consumersfederation.org.au/cclswa/

Finance tools and support

Money Smart

Offers free, independent guidance so that consumers can make the best choices for their money.

National Debt Helpline

Directs you to financial counsellors in your area. Features a ‘Debt Self-Help Tool’.

Mob Strong

Part of the Financial Rights Legal Centre, Mob Strong Debt Help is a free legal advice service about money matters for Aboriginal and Torres Strait Islander peoples from anywhere in Australia.

Industry bodies

Customer Owned Banking Association  (COBA)

COBA members are duty bound to adhere to the Customer Owned Banking Code of Practice.

Government agencies and industry regulators

Australian Competition & Consumer Commission (ACCC)

Assesses complaints about business practices and provides guidance to businesses and consumers on their rights and obligations under the Australian Consumer Law.

Australian Prudential Regulation Authority (APRA)

Promotes prudent behaviour among financial institutions. Can provide advice and/or guidelines on the early release of superannuation benefits.

Australian Securities & Investments Commission (ASIC)

Regulates and enforces consumer protection laws covering investments, superannuation, insurance and financial advice.

Office of the Australian Information Commissioner (OAIC)

Investigates allegations of breaches of privacy.

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