Acronyms and Abbreviations ABA ABIO ABS ACCC AFMA AGPS AIDC ALRC ANZ APCA APEC APRC APSC ASC ASX ATM ATO Australian Bankers’ Association Australian Banking Industry Ombudsman Australian Bureau of Statistics Australian Competition and Consumer Commission Australian Chamber of Commerce and Industry alternative dispute resolution Australian Financial Institutions Commission Australian Financial Institutions Commission Code 1992 Australian Financial Markets Association Australian Government Publishing Service Australian Industry Development Corporation Australian Law Reform Commission ANZ Banking Group Australian Payments Clearing Association Asia-Pacific Economic Cooperation Australian Prudential Regulation Commission Australian Payments System Council Australian Securities Commission Australian Stock Exchange automated teller machine Australian Taxation Office Banking Act Banks (Shareholdings) Act BIS BITS Banking Act 1959 Banks (Shareholdings) Act 1972 Bank for International Settlements Bank Interchange and Transfer System ACCI ADR AFIC AFIC Code . . . 747 Financial System Inquiry CBA CEDA CGT CHESS CML CPA Commonwealth Bank of Australia Committee for Economic Development of Australia Central Magnetic Tape Exchange Commonwealth Funds Managment Council of Financial Regulators Council of Financial Supervisors Corporations and Financial Services Commission capital gains tax Clearing House Electronic Sub-register System Colonial Mutual Life Assurance Society Limited Competition Principles Agreement DoCA DTI Department of Communications and the Arts deposit taking institution EDI EFT EFTPOS EPAC ESA ESOP Electronic Data Interchange electronic funds transfer electronic funds transfer at point of sale Economic Planning and Advisory Commission (formerly Economic Planning and Advisory Council) exchange settlement account Employee Share Ownership Plan FCA FI Code FI Scheme FID FIF FSAC FSI Financial Corporations Act 1974 Financial Institutions Code Financial Institutions Scheme financial institutions duty foreign investment fund Financial Sector Advisory Council Financial System Inquiry G10 G20 GBE GDP Group of Ten Central Banks Group of Twenty government business enterprises gross domestic product CEMTEX CFM CFR CFS CFSC 748 . . . Acronyms and Abbreviations GIO GSM Government Insurance Office Group Speciale Mobile HLIC Housing Loans Insurance Corporation IBSA IC IMF ISC IWT International Banks and Securities Association of Australia Industry Commission International Monetary Fund Insurance and Superannuation Commission interest withholding tax Life Insurance Act LGS Life Insurance Act 1995 Liquid Assets and Government Securities MCCA MER MFI Ministerial Council of Consumer Affairs management expense ratio Main Financial Institution NAB NASDAQ National Australia Bank National Association of Securities Dealers Automated Quotation system non-bank financial institution non-callable deposit NBFI NCD OBU OECD OTC Offshore Banking Unit Organisation for Economic Co-operation and Development over-the-counter PAR PC PFE PIN PSA PSB PUCL Prime Assets Ratio personal computer public financial enterprise personal identification number Prices Surveillance Authority Payments System Board Panel for Uniform Commercial Laws . . . 749 Financial System Inquiry RBA RHQ RIC RIM RITS RSA RTA RTGS Reserve Bank of Australia Regional Headquarters (Companies) regulated investment company Retirement Income Modelling Reserve Bank Information and Transfer System retirement savings account retail transaction account real-time gross settlement SBSA SCAG SCT SET SFE SG SGIC SIS SME SRD SRO SSA SSP SVC SWIFT State Bank of South Australia Standing Committee of Attorneys-General Superannuation Complaints Tribunal Secure Electronic Transaction Sydney Futures Exchange superannuation guarantee State Government Investment Corporation Superannuation Industry (Supervision) Act 1993 small and medium sized enterprise Statutory Reserve Deposits self-regulatory organisation State Supervisory Authority Special Service Provider stored value card Society for Worldwide Interbank Financial Telecommunications Sydney Futures Exchange screen trading system SYCOM TFP TGIO TPA TPC total factor productivity Tasmanian Government Insurance Office Trade Practices Act 1974 Trade Practices Commission UCCC Uniform Consumer Credit Code Westpac Westpac Banking Corporation 750 . . .