Download or read book Credit and Security in Australia written by David E. Allan and published by . This book was released on 1977 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Credit Law in Australia written by Stephen W. Cavanagh and published by Lexis Law Publishing (Va). This book was released on 1988 with total page 832 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Privacy in Peril written by James B. Rule and published by Oxford University Press. This book was released on 2007-10-25 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: This probing account of the erosion of privacy in America shows that we are often unwitting, if willing, accomplices, providing personal data in exchange for security or convenience. The author shows that the personal data that we make available to virtually any organization for virtually any purpose is apt to surface elsewhere, applied to utterly different purposes. As long as we willingly accept the pursuit of profit or cutting government costs as sufficient reason for intensified scrutiny over our lives, then privacy will remain endangered.
Download or read book Guide to Information Security written by Australia. Office of the Australian Information Commissioner and published by . This book was released on 2013 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This guide is intended for entities, including Australian, ACT and Norfolk Island Government agencies, and private sector organisations that are covered by the Privacy Act 1988 (Cth). It is also relevant to credit reporting agencies, credit providers and tax file number recipients. This guide provides guidance on information security, specifically the reasonable steps entities are required to take under the Privacy Act to protect the personal information they hold"--Page 1.
Download or read book Credit and Security written by David E. Allan and published by Taylor & Francis Group. This book was released on 1974 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Essential Personal Property Securities Law in Australia written by Craig Wappett and published by . This book was released on 2013 with total page 759 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of Wappett's LexisNexis Annotated Acts: Essential Personal Property Securities Law in Australia, 2nd Edition provides an accessible overview of the law, followed by annotations to the Personal Property Securities Act 2009 (Cth) (PPSA) and the Personal Property Securities Regulations 2009 (Cth) (PPSR). This edition will also incorporate a guide to the PPS Register which went live on 30 January 2012.Personal Property and Securities is a highly topical area of law. The use of personal property as security for credit is a large and essential aspect to Australia's economy. The law which underpins this is undergoing a major overhaul. The second edition of LexisNexis Annotated Acts: Essential Personal Property Securities Law in Australia, 2nd Edition will assist you to navigate these changes. Click here to read the review first published in ETHOS - December 2013 Journal of ACT Law Society. Features1. An accessible background and overview to enable practitioners to gain an understanding of the fundamental changes brought about by the new regime.2. Useful annotations to assist practitioners to navigate this new area of law.3. Contains explanatory memorandums to assist an indepth understanding of the law. Click here to read the review first published in ETHOS - December 2013 Journal of ACT Law Society. Related LexisNexis TitlesBeatty & Smith, Annotated National Credit Code, 4th ed, 2011Wappett, Edwards & Whittaker, Personal Property Securities in Australia, looseleaf and online
Download or read book Australian Consumer Credit Legislation written by Australia and published by CCH Australia Limited. This book was released on 2010 with total page 529 pages. Available in PDF, EPUB and Kindle. Book excerpt: Major changes have occured in consumer credit with the transfer of regulation from the states to a new national regime. This title covers all the changes.
Download or read book Security of Payment in the Australian Building and Construction Industry written by Marcus Jacobs and published by . This book was released on 2014 with total page 1215 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annotation. SECURITY OF PAYMENT IN THE AUSTRALIAN BUILDING AND CONSTRUCTION INDUSTRY, 5TH EDITION, provides expert analysis of the security of payment regimes across Australia and has been thoroughly revised and updated to capture case law and legislative developments since 2011. Using the New South Wales Act as its cue, this book analyses the law around Australia and its detailed commentary captures the specialised insights of Marcus Jacobs QC. The 5th Edition covers a range of critical developments, and is enhanced by additional resources provided to assist practitioners. The impact of the Building and Construction Industry Security of Payment Amendment Bill 2013 (NSW) (operational from 21 April 2014) is considered, including the following key matters.
Download or read book Residential Mortgage Securitisation in Australia written by Pelma Jacinth Rajapakse and published by . This book was released on 2005 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Abstract : In a residential mortgage-backed security (RMBS) program, a bank or other financial institution sells its rights in a pool of home loans to a special purpose vehicle (SPV), which pays for the asset pool by issuing fixed or floating rate bonds in the financial markets to institutional investors. The SPV finances the interest and principal payments under these bonds from the pooled home loan repayments. The SPV is a 'special purpose' vehicle in the sense that it is established especially, and solely, for the purpose of acquiring the asset pool and issuing bonds against it. In practice in Australia, the SPV itself is invariably structured as a trust, which holds the asset pool on behalf of the bondholders. Frequently, but not always in Australia, the income and security features of the asset pool are effectively split, so that the SPV retains the rights to the income from the asset pool, but grants a charge or charges over the property in the asset pool in favour of a separate 'security trustee', who holds these on behalf of the bondholders. In selling the asset pool to the SPV, the bank or financial institution removes those assets-subject to prudential regulator approval-from its balance sheet for prudential regulation purposes. This has the effect of substantially reducing the bank's or institution's operating costs. For regulatory and tax purposes, it is important that the SPV is seen to be entirely independent of the originating bank or institution; that the sale to the SPV is seen as a 'clean sale'; and the SPV is 'insolvency-remote', in the sense that the asset pool cannot be put at risk by the insolvency of the SPV or the originating institution. Securitisation via RMBS programs involves the risk that borrowers might find their homes sold by downstream financial intermediaries who have 'purchased' their bank's or independent mortgage provider's (IMP's) mortgagee rights, not due to a failure to pay on the part of the borrowers but as a result of the insolvency of, or some act or omission by, a downstream financial intermediary in the supply chain. This begs the question of whether most home loan borrowers are aware of this risk at the time of taking out their loans. Experience would indicate that most are not, and nor is it specifically brought to their attention. The risk that the banks and the IMPs run, if they do not bring the risks of their participation in RMBS programs to the attention of home loan borrowers, is that they could ultimately face a wave of litigation similar to that precipitated by the foreign currency loan scandals during 1985-1990. In essence, all of that litigation arose, not from the complicated nature of then-'novel' financing arrangements, but from the banks' failure to notify borrowers of the risks involved. In those cases, the borrowers faced the risk of their mortgage properties sold, not through any conscious default on their part, but because of adverse exchange rate fluctuations over which they had no control. Compounding this risk is the fact that there is currently no specific legislation requiring banks or IMPs to bring the risks of securitisation to the attention of their home loan borrowers. While it is (arguably) true that borrowers may be protected by section 52 of the Trade Practices Act 1974 (Cth), State and Territory Fair Trading Acts, and equivalent provisions in the Corporations Act 2001 (Cth), this is by no means clear and unequivocal. The research undertaken for this thesis gives rise to the recommended that this gap be met by legislation requiring the banks and IMPs to inform their home loan borrowers of the risks of securitisation - in particular, the appreciable risk that they could lose their homes through no fault of their own. The aim is not to preclude banks and IMPs from engaging in RMBS programs, but, given that there is a significant risk to borrowers if they do, then borrowers (not banks or IMPs) should be the ones who decide whether they are prepared to bear such risk. In addition, this thesis makes a number of policy recommendations aimed at minimising the information gap between borrowers and securitisers, and minimising potential moral hazard problems within RMBS programs in Australia. First, if the market for RMBSs in Australia expands substantially in the foreseeable future, the regulation of the market may require amendment to allow the sale of RMBSs of less than $500,000 to retail investors, as distinct from the higher face value securities currently marketed to 'sophisticated' institutional investors. If RMBSs are issued to the public, new provisions in the Corporations Act, or possibly an entirely separate regulatory regime, may become necessary. In this context, the approach taken in the United States under the Investment Company Act 1940 could serve as a useful model for Australia. Second, new legislative provisions could be introduced to bring to the notice of home loan borrowers, the relevant assignment clauses in the housing loan contracts, and their implications, and to ensure that borrowers are fully informed of the risks involved. Third, amendments to the various State Consumer Credit Codes could be introduced in a way that could make the legislation uniform across States, to eliminate current disparities in stamp duty and administrative charges between the States. Fourth, the Australian Prudential Regulation Authority (APRA) and perhaps the Reserve Bank of Australia should investigate whether the risk-weighting for RMBSs for capital adequacy purposes in Australia could be reduced to something less than the current 100%. Fifth, the Corporations Act could be amended to mandate more timely disclosure of information about RMBSs, perhaps on a pool basis, to assist fund managers to analyse the prepayment risk in the mortgages and improve efficiency, pricing and investor confidence. Finally, a panel of independent experts could be established to advise APRA and the Australian Securities and Investments Commission (ASIC), where necessary, on complex issues involving RMBSs.
Download or read book Essential Personal Property Securities in Australia written by Craig C. Wappett and published by . This book was released on 2012 with total page 514 pages. Available in PDF, EPUB and Kindle. Book excerpt: The use of personal property as security for credit is a large and essential aspect to Australia's economy. The Personal Property Securities (PPS) reforms will rationalise most laws and registers governing personal property securities, and introduce major substantive changes to current law. This text provides a comprehensive background and overview, as well as a copy of the Personal Property Securities Act 2009, regulations and explanatory memorandums -- Back cover.
Download or read book Banking and Finance written by Rhett Dee Martin and published by . This book was released on 2008 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Basic principles of banking and finance law including: 1 The Australian Banking System 2 Contract Law and Bankers 3 Special Customers and the Banker 4 The Current Account 5 Cheques: Introduction 6 Cheques: Paying Bank 7 Cheques: Collecting Bank 8 Bills of Exchange 9 Letters of Credit 10 Negligence 11 Capacity (could be changed to Security over land if information is inserted) 12 Security on Company Borrowings 13 Electronic Banking and Credit Cards 14 Consumer Protection"--Provided by publisher.
Download or read book Payment Systems in Australia written by Reserve Bank of Australia and published by . This book was released on 1999 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Financial Services Law and Compliance in Australia written by Gail Pearson and published by Cambridge University Press. This book was released on 2009-03-18 with total page 629 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides an account of the overarching system for regulating all financial services in Australia, including detailed analysis of the legislative framework. The book is essential for those working in financial services, for students and for those needing to understand the regime as a whole.
Download or read book Australian Books in Print written by and published by . This book was released on 1984 with total page 644 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Australia s Security in China s Shadow written by Euan Graham and published by Taylor & Francis. This book was released on 2023-03-21 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: A major shift in the paradigm undergirding relations between Australia and China has become clear in the early 2020s, with geopolitical concerns trumping economic considerations. Canberra has implemented a range of new policies in response to the risks it perceives in Australia’s economic relations with China, the Chinese Communist Party’s efforts to exert political influence in Australia, the expanding capabilities and presence of the People’s Liberation Army, and Beijing’s economic and diplomatic gains in Southeast Asia and the Southwest Pacific. China’s policies towards Australia have become more coercive in economic as well as diplomatic terms. However, Australia has withstood Beijing’s punitive trade measures without suffering significant economic damage. China’s more assertive regional posture has prompted far-reaching changes to Australia’s defence and alliance policy settings, including new capability acquisitions and strategic initiatives such as AUKUS. In this Adelphi book, Euan Graham argues that Australia has provided an imperfect but nevertheless useful exemplar of how governments may respond effectively to multifarious security challenges from China. In particular, the Australian case shows how measures to address domestic vulnerabilities may serve as the foundation for a successful China policy at the international level.
Download or read book Credit and Security in Japan written by Hisashi Tanikawa and published by . This book was released on 1973 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Mutual Security Act of 1961 written by United States. Congress. House. Committee on Foreign Affairs and published by . This book was released on 1961 with total page 1580 pages. Available in PDF, EPUB and Kindle. Book excerpt:
