This paper provides a broad overview of the agriculture, forestry and fishing industry in Australia, including finance for the industry.

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 function of insurance in our community is highlighted in Australian natural disasters. Insurance in natural disasters has been in sharp focus since at least 2010. The variety, frequency, severity of natural disasters and catastrophes in Australia create unique challenges for the community, policyowners and insurers.

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.

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.