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In Australia, the Reserve Bank of Australia (RBA) and the Australian Prudential Regulation Authority (APRA) oversee the regulation of interest rates for loans.;Banks and financial institutions also have their own internal policies that must comply with these regulatory standards.

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Superannuation in Australia is a mandatory system where employers contribute a percentage of an employee's earnings to a superannuation fund.;Employees can also make voluntary contributions, and the funds are typically preserved until retirement age, subject to certain conditions.

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Individuals can declare bankruptcy through the Australian Financial Security Authority (AFSA), which involves submitting a bankruptcy application and undergoing a financial assessment.;Once declared bankrupt, an individual's assets may be liquidated to repay creditors, and they may face restrictions on obtaining credit and conducting business.

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Defaulting on a mortgage in Australia can lead to the lender taking legal action to repossess and sell the property to recover the debt.;Borrowers may also face a negative impact on their credit rating, making it more difficult to obtain credit in the future.

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Australian law provides consumer protections under the ePayments Code, which requires banks to reimburse customers for unauthorized transactions in many cases.;Consumers can also seek recourse through the Australian Financial Complaints Authority (AFCA) if they experience online banking fraud.

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Payday loans in Australia are regulated by the National Consumer Credit Protection Act 2009, which caps fees and interest rates that lenders can charge.;Lenders are also required to assess the borrower's ability to repay the loan and provide clear, upfront information about the loan terms.

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To dispute a credit card charge, you should first contact your card issuer and provide details of the disputed transaction.;If the issue is not resolved, you can escalate the matter to AFCA for further investigation and resolution.

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The financial advice industry in Australia is regulated by ASIC, which requires advisors to be licensed and comply with the Corporations Act 2001.;Advisors must adhere to the Best Interests Duty, which mandates that they act in the best interests of their clients when providing advice.

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Insider trading in Australia is a criminal offense under the Corporations Act 2001, and individuals can face substantial fines and imprisonment.;ASIC (Australian Securities and Investments Commission) actively monitors and prosecutes insider trading cases to maintain market integrity.