In response to a request from the Royal Commission, APRA has prepared this paper on the effect on an authorised deposit-taking institution’s (ADI) Tier 1 capital, where a loan is classified as impaired, a provision is raised and enforcement action against the loan’s security is taken.

This paper responds to a request from the Royal Commission for background on the capital prudential framework applying to the banking industry, with particular regard to the current and proposed treatment of residential mortgage lending and lending for small and medium-sized enterprises.

Financial advice can play an important role for consumers - access to affordable, quality financial advice can bring significant benefits to consumers and help them to make informed decisions. This resource focuses on the reforms affecting the regulation of financial advice since 2007.

The opaque pricing of discounts offered on residential mortgage rates makes it difficult for customers to make informed choices and disadvantages borrowers who do not regularly review their choice of lender, this report by the ACCC has found.

The Australian Prudential Regulation Authority (APRA) has announced a package of proposed measures designed to improving governance and decision-making in the private health insurance sector.