This paper discusses access to, and use of, financial services by those in regional and remote areas and challenges people may face when accessing financial services.

The aim of the paper is to give the reader a guide to the law, regulation and practices in general insurance in Australia. It is a large topic. The importance of regulation in the work of the Commission means that the part dealing with regulation is much longer than the others.

The Commission is undertaking this inquiry under the twin (stage 2 and stage 3) terms of reference. This draft report brings together both streams of work to provide an overall assessment of the superannuation system and recommend policy changes.

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 background paper provides information about small and medium-sized enterprises (SMEs) in Australia, and describes some ways that SMEs interact with providers of financial products. This paper also highlights that there is no single definition of an SME in Australia, and that data about SMEs is limited.