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CONFERENCE DAY ONE Monday 14th May 2018

8:00 Registration and coffee

8:35 OPENING | Welcome

8:40 CHAIRPERSON | Introductory remarks from the Chair Russell Zimmerman, CEO, Australian Retailers Association

AUSTRALIAN CONSUMER LAW REFORM

8:45

OPENINING KEYNOTE ADDRESS | Regulatory Landscape for Fairer Trading in NSW Overview of reform to improve consumer policy Current issues for business and consumers Ensuring fairer trading practices in NSW Hon Matthew Kean MP, NSW Minister for Innovation and Better Regulation

9:00

Towards National Consistency in Consumer Law Australian Consumer Law (ACL) review Examining the effectiveness of the ACL Key recommendations of the review Legislative proposals and direction Dale Webster, Chair, CAANZ

9:30

Promoting the Interests of the Consumer Priorities in implementing the ACL review recommendations New consumer rights to data Assessing the regulators ? supporting consumers and enforcement Effective consumer dispute resolution ? tribunals v ombudsman Gerard Brody, CEO, Consumer Action Law Centre, and Chair, Consumers Federation of Australia

10:00 Morning tea

GOVERNANCE AND REGULATORY FRAMEWORK

10:15

Regulator's Role in Administering the ACL Enhancing industry-wide understanding of the ACL Building consumer confidence and business growth Why might regulators choose to investigate a business Review of the performance evaluation framework Delia Rickard, Deputy Chair, ACCC

10:45

Regulatory Update for Financial Products and Services Consumer protection rights in financial products and services ASIC's approach to consumer protection, including sector-specific issues/ examples The interaction between key regulators Update on relevant reviews and law reforms Felicity Natoli, Group Senior Manager - Deposits and Payments, ASIC



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11:15

National Product Safety Framework The use of voluntary standards in regulatory frameworks Global trends in standards development Adam Stingemore, GM Strategy and Public Affairs, Standards Australia

11:45 PANEL | Consumer Protection Regulation and Legislation

Regulatory Frameworks for Consumer Protection in Service Industries Regulatory frameworks to promote consumer protection and safety What is needed to progress to greater national consistency Compliance and dispute resolution processes across the sector Sue McCarrey, CEO, Office of the National Rail Safety Regulator

New Regulatory Scheme to Enhance Consumer Protection and Product Safety Regulation of consumer protection, advertising and product safety Enhancing industry regulation and product safety requirements Improving compliance and enforcement practices Nicole McLay, A/g First Assistant Secretary, Regulatory Practice and Support Division, Department of Health

12:15 Lunch and networking break

THE ACL FOR INDUSTRY, RETAIL AND SME

1:15

Consumer Law in Telecommunications How the ACL relates to the telecommunications sector Keeping consumers up to date with industry changes Improving the customer experience Teresa Corbin, CEO, ACCAN

1:45

The ACL in Retail What impact has the ACL had on the Australian retail sector? What are the upcoming changes to the ACL, and how will they impact the retail industry? Warranties, repairs, replacements and refunds in retail, including `no refund' signs The impact of online shopping and the extent to which the ACL applies to overseas online retailers Lynsey Edgar, Partner, Dentons

2:15

Unfair Contract Terms and the ACL What protections have safeguarded SMEs? Unfair contract terms in small business Meaning of `unfair' in consumer law, and what makes a contract unfair Ayman Guirguis, Partner, K&L Gates

2:45

Obligations for Business under the ACL Acceptable quality under the ACL Meaning of "fit for purpose" Recent case law review Charles Coorey, Partner, Gilbert + Tobin

3:15 Afternoon tea



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ENFORCEMENT AND COMPLIANCE IN CONSUMER LAW

3:30

Enforcement and Compliance ? and the outcomes Types of enforcement actions - criminal and civil Mandatory reporting requirements - Product Recall and Safety Bans Compliance arrangements Peter Wright, Managing Partner, Brown Wright Stein Lawyers

4:00

ACCC Investigations and Enforcement Priorities

ACCC use of investigatory powers o Education, voluntary compliance, administrative resolution o Infringement notices, undertakings, public warning notices o Legal proceedings and remedies

Current trends and ACCC enforcement priorities What's next ? new or increased maximum penalties? David Fleming, Director ? Legal, PWC

4:30

Australian Consumer Law Compliance for Business Understanding business compliance requirements within the ACL Design and development of business compliance programs How can businesses be better prepared? Bernard Evans, Partner, Hicksons Lawyers and Professor of Law, University of Notre Dame Australia

5:00

Non-compliance and Risk within the ACL Assessing risk in consumer law Mitigating regulatory and operational risks Reasons for non-compliance Consequences if something goes wrong Elizabeth Richmond, Partner, Clayton Utz

5:30 Networking drinks provided for End of Day One



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CONFERENCE DAY TWO Tuesday 15th May 2018

8:30 Registration and coffee

8:50 OPENING | Welcome

8:55

CHAIRPERSON | Introductory remarks from the Chair Daniel Tirado, Senior Corporate Counsel and Regulatory Change Project Owner, Toyota Finance Australia Limited and Sessional Academic Faculty of Law, UTS

CONSUMER PROTECTION POLICY

9:00

Consumer Protection in Energy Market Regulation Overview of competition policy in gas and electricity markets Has competition policy worked in the interest of consumers? How can we work towards improving customer outcomes? What changes are needed to boost consumer confidence? Dr. Ron Ben-David, Chairperson, Essential Services Commission

9:30

Applying Consumer Law to Charities Consumer protection law in relation to fundraising Legislation in the ACL applying to NFPs Meaning of `unconscionable conduct' Outcomes of the recent review David Crosbie, CEO, Community Council for Australia

10:00

Fairness and Equity in the ACL What has the implementation of the new ACL meant for vulnerable consumers? How are current regulatory processes protecting vulnerable consumers? Unfair selling tactics and vulnerabilities of CALD and low-income earners Prevention of targeted unconscionable conduct and unfair practice Mark Henley, Manager, Advocacy, Uniting Communities and Energy Advocate, Uniting Care Australia

10:30 Morning tea

CONSUMER GUARANTEES, PRODUCT LIABILITY AND MISLEADING CONDUCT

10:45

Requirements for Country of Origin Food Labelling An overview of the Australian Made, Australian grown logo What to look for buying food from a particular country?

o Grown in o Product of o Made in Labelling standards Harriet Paterson, Compliance Officer, Australian Made, Australian Grown Campaign



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11:15

The Consumer Guarantee What is the consumer guarantee? What can we promise in the current market? What does the ACL mean for guarantees? Who is held responsible for the guarantee? Steven Brown, Chairman, Etienne Lawyers

11.45

Misleading and Deceptive Conduct - Safeguarding Product Claims What actions are classified as misleading or deceptive conduct? How businesses can avoid false or misleading representations What type of information is more likely to mislead or deceive? Rules around special offers, prizes and `free' product or services Peter Le Guay, Partner, Thomson Geer

12.15

Role of the ACL in Consumer Protection Misleading deceptive misconduct Unconscionable conduct The ACL and pecuniary penalties How to avoid worst case scenarios Daniel Tynan, Barrister, 12th Floor Wentworth Chambers

12:45

FOCUS DISCUSSION | Changes to Consumer Credit Legislation ? Flex-Commissions

ASIC Prohibition Flex Commissions Interest Rates to be set by Auto Finance Companies/Risk Based Pricing (RBP) Impacts for Car Dealers, Auto Finance Companies and Customers

Led by the Chairperson Daniel Tirado, Senior Corporate Counsel and Regulatory Change Project Owner, Toyota Finance Australia Limited and Sessional Academic Faculty of Law, UTS

1:00 Lunch and networking break

INFORMATION MANAGEMENT FOR CONSUMER PROTECTION

2:00

Information Management for Consumer Protection The role of information management technology in consumer law Online management tools and complaints registers Improving dispute resolution processes Fostering improved collaboration

Dharshi Harindra, Senior Associate (admitted in England & Wales), Baker McKenzie

2:30

Digital Innovation, Online Technologies and the ACL Intersection between the ACL and digital technologies How does the ACL apply to the online consumer? Innovation driving financial technologies Lessons learnt from leading FinTechs Grant Holley, Partner, Holley Nethercote



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3:00

Consumer Rights for Privacy Dealing with privacy risks for consumer protection Creating awareness of privacy and data protection Interplay between privacy policy and consumer law Legal ramifications of an online database Andrea Beatty, Consulting Principal, Keypoint Law

3:30

Cyber Security and Data Protection The importance of privacy and data security Identifying cyber threats and vulnerabilities Reducing the opportunity for crime Scam prevention Fred Chilton, Partner, Emil Ford Lawyers

4:00 Closing remarks from the Chair and End of Conference, afternoon tea



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