The legal and social dimensions of financial hardship in Australia: Implications for legal, regulatory and policy frameworks. Financial hardship, the reduced ability to meet monetary obligations because of loss of employment, illness or disaster, is an increasing problem for both low-income and middle-income Australians. This project is the first in-depth study of the practical operation of Australia’s financial hardship laws, which are designed to protect Australians suffering financial hardshi ....The legal and social dimensions of financial hardship in Australia: Implications for legal, regulatory and policy frameworks. Financial hardship, the reduced ability to meet monetary obligations because of loss of employment, illness or disaster, is an increasing problem for both low-income and middle-income Australians. This project is the first in-depth study of the practical operation of Australia’s financial hardship laws, which are designed to protect Australians suffering financial hardship. Major surveys will be undertaken of senior staff of financial dispute resolution schemes, financial counsellors, consumer solicitors and consumer advocates as well as persons suffering financial hardship. The project outcomes will include improvements to dispute resolution involving financial hardship and consumer advisory services, and potential law reform proposals.Read moreRead less
The value of financial planning advice - process and outcome effects on consumer well-being. Knowledge of how financial advice contributes to consumer well-being is vital as industry and policy-makers strive to professionalise financial planning and enhance the quality of advice. Outcomes of this research project will inform policy debate and industry practices for improving the value of financial planning advice to consumers and their well-being.
Discovery Early Career Researcher Award - Grant ID: DE180100279
Funder
Australian Research Council
Funding Amount
$354,205.00
Summary
Work in franchises: searching for solutions at the regulatory frontier. This project aims to provide empirical and theoretical insights into the effective regulation of work-related rights and responsibilities of franchise workers, franchisees and franchisors. By combining comparative doctrinal analysis of labour and competition and consumer laws with mixed methods research, this project will expand our knowledge of the way in which public and private regulatory mechanisms influence the regulato ....Work in franchises: searching for solutions at the regulatory frontier. This project aims to provide empirical and theoretical insights into the effective regulation of work-related rights and responsibilities of franchise workers, franchisees and franchisors. By combining comparative doctrinal analysis of labour and competition and consumer laws with mixed methods research, this project will expand our knowledge of the way in which public and private regulatory mechanisms influence the regulatory behaviour of key stakeholders. This will contribute to the development of a normative framework designed to inform enforcement strategy, policy-making and work quality within franchises.Read moreRead less
Regulating a Revolution: A New Regulatory Model for Digital Finance. This project aims to draw on regulatory developments abroad to develop an innovative, proportional, incremental regulatory regime for Australian digital financial services (DFS). DFS are set to grow rapidly in Australia, just as they have overseas. An effective and appropriate regulatory regime should result in a more competitive and efficient payments system that will lift productivity and economic growth. The project also int ....Regulating a Revolution: A New Regulatory Model for Digital Finance. This project aims to draw on regulatory developments abroad to develop an innovative, proportional, incremental regulatory regime for Australian digital financial services (DFS). DFS are set to grow rapidly in Australia, just as they have overseas. An effective and appropriate regulatory regime should result in a more competitive and efficient payments system that will lift productivity and economic growth. The project also intends to analyse and resolve regulatory roadblocks to the growth of DFS in developing countries to promote financial inclusion and economic growth, and thereby reduce poverty, in such countries.Read moreRead less
Legal risk management of adverse health outcomes and injury in the fitness industry: developing evidence-informed regulation that improves safety. This project analyses Australian laws, policies and practices designed to manage legal risks and liabilities in the fitness industry, and assesses their effectiveness in preventing adverse health outcomes, injuries, and the legal liability associated with those risks.
Financial exclusion, poor insurer practices and consumer protection. This project aims to study financial exclusion and variations in access to general insurance, as well as insurer practices in selling insurance and handling claims. Through surveys, focus groups and interviews, the project also aims to evaluate the effectiveness of the legal protections for consumers of general insurance. The expected project outcomes include law and policy reform proposals to improve the effectiveness of these ....Financial exclusion, poor insurer practices and consumer protection. This project aims to study financial exclusion and variations in access to general insurance, as well as insurer practices in selling insurance and handling claims. Through surveys, focus groups and interviews, the project also aims to evaluate the effectiveness of the legal protections for consumers of general insurance. The expected project outcomes include law and policy reform proposals to improve the effectiveness of these protections and maximise access to general insurance, particularly for socio-economically disadvantaged consumers. This should have benefits such as an increased uptake of general insurance and improved community resilience to natural disasters and other unforeseen events.Read moreRead less
Building an intellectual property system: The Indonesian experience. This project aims to provide an independent assessment of the development of the Indonesian intellectual property system over the past 30 years. Economic theory suggests pathways to innovation and ‘tipping points’ in intellectual property (IP) development. This project plans to explore the introduction and operation of IP in Indonesia as a typical example for middle-income developing countries. It plans to analyse hundreds of c ....Building an intellectual property system: The Indonesian experience. This project aims to provide an independent assessment of the development of the Indonesian intellectual property system over the past 30 years. Economic theory suggests pathways to innovation and ‘tipping points’ in intellectual property (IP) development. This project plans to explore the introduction and operation of IP in Indonesia as a typical example for middle-income developing countries. It plans to analyse hundreds of court decisions that have recently become available, as well as the implementing laws and institutions supporting IP. It aims to show the bargaining processes about the future of the system between the government and foreign investors as well as citizens and between different institutions, thereby providing valuable information to Australian businesses and the government.Read moreRead less
Evaluating Australian personal insolvency laws in the context of changing demographics and increasing financial stress. This project will study how Australians respond to financial stress within the context of Australian personal insolvency laws. A better understanding of the practical impact of these laws today will enable an evaluation of their effectiveness in meeting policy objectives.
Systemic responses to global financial instability: new thinking and measures by which Australia can address the challenges of globalised capital. This project explores and models new systemic responses Australia, our region and the world could adopt to counter the instability generated by globalised capital. These include a financial transactions tax, financial activity tax, levies on bank balance sheets and other new responses to too-big-to-fail problems.
China’s Belt and Road Initiative: A New Model of Economic Governance? China’s Belt and Road Initiative (BRI) involves thousands of projects in the world, with a combined value over USD 1 trillion. Under the BRI, China is constructing new norms and legal institutions to govern international economic activity. But the opacity of the BRI means that little is known about the details of these arrangements or their operation in practice. This socio-legal project will examine how the BRI is changing th ....China’s Belt and Road Initiative: A New Model of Economic Governance? China’s Belt and Road Initiative (BRI) involves thousands of projects in the world, with a combined value over USD 1 trillion. Under the BRI, China is constructing new norms and legal institutions to govern international economic activity. But the opacity of the BRI means that little is known about the details of these arrangements or their operation in practice. This socio-legal project will examine how the BRI is changing the way that cross-border economic interactions are governed, and explore the implications of these changes for how power and authority are exercised in the global economy. The project’s findings will equip Australian policymakers, businesses and publics to navigate more astutely the changes that the BRI is advancing.Read moreRead less