Legislative and Governance Forum on Consumer Affairs taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 – 2016 Copyright The information contained in this document is subject to copyright under the Copyright Act 1968 (Commonwealth) and is owned by the Council of Australian Governments Legislative and Governance Forum on Consumer Affairs. No part of this document may be reproduced without permission from the Council of Australian Governments Legislative and Governance Forum on Consumer Affairs. Disclaimer The National Indigenous Consumer Strategy Reference Group declare that the information contained in this document is true and correct at the time of printing. The material contained in this plan is provided for general information and is not intended to provide extensive coverage of issues. Contact Mr Paul Coles Regional Manager / Coordinator Aboriginal Action Plan Chairperson, National Indigenous Consumer Strategy Reference Group NSW Fair Trading Level 2, 117 Bull Street Newcastle NSW 2300 Telephone: (02) 4925 7008 Email: [email protected] Published by NSW Fair Trading, 2014 Please note: This document may contain images of deceased people. Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |i Legislative and Governance Forum on Consumer Affairs The Legislative and Governance Forum on Consumer Affairs, formerly the Ministerial Council on Consumer Affairs (MCCA), consists of all Commonwealth, State, Territory and New Zealand Ministers responsible for consumer policy. The role of the Legislative and Governance Forum on Consumer Affairs is to consider consumer affairs and fair trading matters of national significance and, where possible, develop a consistent approach to these issues. On 1 September 2005 all Australian members of the then MCCA signed a Statement of Commitment for the development and implementation of the National Indigenous Consumer Strategy Action Plan 2005-2010. The Action Plan demonstrated MCCA’s shared responsibility for ensuring that Australia’s performance in Indigenous consumer affairs is continually improved and beneficial outcomes for Indigenous consumers are achieved. Through the Legislative and Governance Forum on Consumer Affairs, Commonwealth, State and Territory consumer agencies remain committed to: • the promotion of basic human rights recognised by the United Nations for Indigenous people in Australia; • building awareness, knowledge and confidence for Indigenous people to exercise their consumer rights; • improving access to consumer protection services utilising effective outreach and engagement; and • improving market outcomes for Indigenous consumers. In 2002-2003 the then Standing Committee of Officials of Consumer Affairs (SCOCA), now Consumer Affairs Australia New Zealand (CAANZ), participated in and convened a number of workshops in response to concerns about the disadvantages experienced by Indigenous consumers. Subsequently the concept of a national plan was developed which became known as the National Indigenous Consumer Strategy. The Strategy has been implemented in all States and Territories and positive progress has been undertaken by all consumer agencies. The Strategy and related Action Plan were revised in 2009 to cover the period 2010-2013. This document is the third iteration of the “Taking action, gaining trust” National Indigenous Consumer Strategy and contains the Action Plan for 2014-2016. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | ii Acronyms ACCC Australian Competition and Consumer Commission ASIC Australian Securities and Investments Commission CAANZ Consumer Affairs Australia New Zealand EIAC Education and Information Advisory Committee MCCA Ministerial Council for Consumer Affairs SCOCA Standing Committee of Officials of Consumer Affairs The word Indigenous used throughout this document refers to Aboriginal and Torres Strait Islander people. The term consumer agencies used throughout this document refers to consumer and fair trading offices, the Australian Securities and Investments Commission, the Australian Competition and Consumer Commission and Commonwealth Treasury. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | iii Contents Statement of commitment 1 Introduction 2 Statement of principles 3 National priority 1 - Trading practices 4 National priority 2 - Housing 6 National priority 3 - Consumer awareness 7 National priority 4 - Contracts 9 Consumer agencies 10 Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | iv Statement of commitment As the Legislative and Governance Forum on Consumer Affairs, we have accepted responsibility for the development and implementation of the National Indigenous Consumer Strategy. This Strategy demonstrates our continued shared responsibility for ensuring that Australia’s performance in Indigenous affairs is continually improved. The Strategy will focus our efforts in working together to improve outcomes for Indigenous consumers. Commonwealth, State and Territory consumer agencies are committed to the following strategic directions: • the promotion of basic consumer rights recognised by the United Nations for Indigenous people in Australia; • to build knowledge, confidence and awareness for Indigenous people to action their consumer rights; • to improve access to consumer protection services; and • improving market outcomes for Indigenous consumers. We have developed an Action Plan and are committed to working co-operatively on the issues and actions identified in the plan. We are also committed to regularly reviewing our achievements against the actions and will further develop the plan in light of these achievements. We recognise that there are many other stakeholders who make significant contributions to improving Australia’s performance regarding Indigenous consumer affairs. We invite stakeholders to adopt and implement the Action Plan. Hon Bruce Billson MP Minister for Small Business Hon Mathew Mason-Cox MLC Minister for Fair Trading Hon Heidi Victoria MP Minister for Consumer Affairs Department of the Treasury New South Wales Victoria Hon Vanessa Goodwin MLC Attorney-General Minister for Justice Hon Michael Mischin MLC Attorney-General Minister for Commerce Hon John Elferink MLA Attorney-General and Minister for Justice Tasmania Western Australia Northern Territory Hon Jarrod Bleijie MP Attorney General and Minister for Justice Mr Simon Corbell MLA Attorney-General Hon Gail Gago MLC Minister for Business Services and Consumers Queensland Australian Capital Territory South Australia Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |1 Introduction This Action Plan represents the third iteration of the National Indigenous Consumer Strategy Action Plan “Taking action, gaining trust” and will cover the period 2014-2016. The original Action Plan was prepared by the then SCOCA working party representing all Commonwealth, State and Territory Government consumer agencies and endorsed by the then MCCA. The Action Plan was launched in September 2005 and updated in 2009 to refocus the strategy around the issues of trading practices, housing issues and consumer literacy. A National Indigenous Consumer Strategy Implementation Reference Group consisting of representatives of Australian SCOCA agencies was established to monitor and co-ordinate implementation of the Action Plan. The Reference Group continues to take responsibility for its implementation, and has established an effective collaboration when dealing with issues of mutual concern. The Reference Group met in Sydney on 11 and 12 September 2013 to review and renew the objectives for the Strategy as well as the detail of the Action Plan for 2014-2016. The following four priority areas were identified for this Action Plan: 1. Trading practices 2. Housing 3. Consumer awareness 4. Contracts. The Reference Group will also develop and implement an annual project for each year of this current Action Plan. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |2 Statement of principles Consumer agencies recognise that: • the rules regulating traders and service providers need to be fair and responsive to the needs of Indigenous people; • cultural and operational changes are required within consumer agencies to respond to enquiries from Indigenous consumers in the most effective way; • employment of Indigenous staff in key positions in consumer agencies needs to occur; • it is important for consumer agencies to continue to advocate on behalf of Indigenous consumers and empower the community; and • although jurisdictions have differing priorities, the Action Plan will be a template for action to improve Indigenous consumer awareness. The priority areas and actions identified in the Action Plan recognise that consumer agencies need to continually monitor and adapt the way they deliver their services to Indigenous people. Continuation of the Reference Group as a forum for information sharing and collaboration will ensure best practice in education and compliance strategies for Indigenous consumers. Progress in implementing the Action Plan will continue to be monitored, evaluated and reported annually. It should be noted that the Action Plan represents a set of national strategies and areas of coverage. There will be specific areas that individual consumer protection agencies will have neither a mandate nor responsibility and it is not expected that all action items will be equally met by all agencies. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |3 National priority 1 - Trading practices The focus of this priority is to improve the practices of traders servicing Indigenous consumers. Key factors that increase disadvantage in this area include geographic isolation for remote consumers, lack of choice and competition, low levels of English, lack of financial literacy and restricted access to services. These same factors also make it difficult for consumer agencies to monitor inappropriate behaviour by traders. Constantly changing marketplaces will present challenges to consumer agencies in the future. Consumer agencies and the legislation they administer will need to change to reflect these challenges. However, the main product areas warranting the current focus for this priority area are; financial services, motor vehicles, funeral funds and telecommunications. These product areas may also change over time. Issue Priority Unsolicited sales • • Telemarketing Door-to-door Marketing Activity • Educate traders about their obligations under fair trading laws and acceptable practices. • Educate Indigenous communities about these practices and provide feedback about enforcement outcomes. • Provide ongoing monitoring of door-to-door and itinerant traders, including cooperative action between agencies to address emerging problems. • Undertake appropriate enforcement of legislation in this area. Misleading or deceptive conduct in the promotion of goods and services including: • Educate traders and media outlets around good marketing practices. • financial services products; • • motor vehicles; and Monitor market trends in terms of nature of activities and media used. • telecommunication products. • Enforce legislation in this area. Unsolicited sales remain a concern; this includes both doorto-door and itinerant traders as well as telemarketers who use high pressure selling practices that target Indigenous consumers. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |4 Issue Priority Debt collection Book up Use of harassment and coercion in recovering outstanding debts. Concerns with PIN security, differential pricing, fees and charges, and poor book keeping practices. Activity • Educate traders involved in debt collection activities about acceptable practices. • Educate Indigenous consumers about their rights and access to financial counselling. • Develop debt collection guidelines that are relevant to Indigenous consumers. • Enforce legislation in this area. • Educate and encourage traders to use good practices. • Monitor and respond to changes in book-up type practices that have a negative impact on Indigenous consumers. • Enforce legislation in this area. Consultation and feedback Poor practices associated with book up have a detrimental effect on Indigenous consumers and it continues to be our opinion that traders should not take possession of cards and PIN numbers. Lack of competition in remote communities results in Indigenous consumers experiencing exploitive pricing of goods and services and high pressure door to door selling of insurance, funeral plans, white goods, telecommunications products and other products. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |5 National priority 2 - Housing This priority focuses on discrimination experienced by Indigenous people in seeking and obtaining appropriate housing, particularly housing in the private market. Access to appropriate and affordable housing is a fundamental human right. Tenancy is a major issue for most consumer agencies and whilst it may not be the primary responsibility for some agencies, they should take action where they can. Recognising that the responsibilities for this area are diverse, it will still require advocacy and referral by consumer agencies to assist Indigenous tenants. Issue Priority Tenancy rights & responsibilities In some jurisdictions Indigenous tenants may not have the same access to their rights as other tenants. Indigenous tenants are unaware of their rights and responsibilities. Activity • Educate tenants and other key intermediaries on tenancy rights and responsibilities, and promote access to dispute resolution and advocacy. • Educate Indigenous housing providers on their obligations and responsibilities within the law. • Ongoing awareness training of tenants, agents and landlords. • Take action against licensed agents that have been proved to have contravened antidiscrimination and equal opportunity laws. Indigenous housing providers are unaware of their obligations as a housing provider. Discrimination Distress over housing and accommodation caused by discrimination by real estate agents and landlords. Consultation and feedback Across Australia Indigenous tenants are often unaware of their rights and responsibilities under various state and territory tenancy legislation. Discrimination is also not uncommon for Aboriginal tenants or those who seek rental accommodation in the private marketplace. This is often due to the ignorance of landlords or others in the real estate industry of the relevant anti-discrimination laws designed to address racial discrimination. Indigenous people are more susceptible to discrimination due to their reliance on welfare payments and number of family and extended family members who may be seeking a suitable rental property. Indigenous social housing providers, such as Aboriginal Lands Councils may also seek assistance from relevant agencies from time to time given they may not be equipped with trained personnel with property management experience. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |6 National priority 3 - Consumer awareness Low levels of consumer awareness increase the vulnerability and disadvantage of Indigenous consumers. The focus of this priority is to improve consumer awareness, with a particular emphasis on the education of young people, particularly in relation to their lack of financial services knowledge for those located in regional and remote areas. Issue Priority Financial literacy Consumer rights Lack of understanding of: • how to manage money, in particular budgeting, insurance and savings; • fees and charges associated with loans and financial services (e.g. internet, penalty fees and defaults); • need to retain records; and • financial obligations. Lack of awareness and knowledge of consumer rights and responsibilities including the: • right to complain; • right to refuse; and • understanding of warranties. Activity • Maintain Indigenous issues as integral to the operations of the Financial Literacy Board within ASIC. • Cross jurisdiction focus on education in relation to retention of records including receipts or other proof of purchase. • Develop and implement education and information campaigns that include culturally appropriate messaging and communication channels. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |7 Priority Issue Knowledge of consumer protection services and complaint processes Lack of awareness of the complaint process, the lack of skills to complain and the lack of culturally sensitive complaint processes. Lack of knowledge about and how to access consumer protection agencies. Activity • Promote best practices in engagement with Indigenous communities. • Enhance complaint processes to encourage and accommodate Indigenous consumer needs. • Continue NICS Reference Group as a forum for sharing of best practice education and compliance strategies for Indigenous consumers. • Continue and enhance referral practices between consumer protection agencies and other organisations servicing Indigenous consumers. • Develop and maintain education campaigns to promote and create greater awareness within Indigenous communities of the role of consumer agencies and complaint mechanisms. Consultation and feedback Consumer awareness incorporates many issues, including financial literacy. Financial literacy is more than acquiring knowledge and budgeting skills; people need to understand financial terms and concepts and how financial systems work. Programs need to be designed so that people with limited literacy and numeracy skills can better understand financial information. Consumer agencies need to be responsive to the cultural needs and sensitivities when dealing with complaints from Indigenous consumers and when developing educational material. Agencies should give consideration when developing education and training campaigns to adapt their materials and take into account the needs of Indigenous consumers. Consumer agencies, as part of their outreach activities, should consider visiting communities and provide face-to-face services as this gains greater support and trust from Indigenous people. Agencies should also be flexible and provide education and training in appropriate languages, and provide visual information apart from brochures. Agencies need to visit communities so that they get an understanding of the issues facing Indigenous people. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |8 National Priority 4 - Contracts In general, many Indigenous consumers experience difficulties in understanding complex contracts and the financial implications of signing these contracts. Issue Priority Contracts Lack of understanding of: • rights and responsibilities; • terms and conditions; and • implications of entering into contracts. Activity • Ensure EIAC specifically takes account of Indigenous consumer issues. • Undertake research to inform communication strategies and approaches (evidence based) to raise awareness of the implications of entering into contracts. • Focus application of unfair contract terms legislation on contracts detrimental to Indigenous consumers. • Enforce legislation in this area. • Continue to educate traders on their responsibilities to Indigenous consumers. Consultation and feedback Many people have consumer-related problems to deal with, arising from low consumer literacy, financial literacy or literacy more generally; for Indigenous consumers these problems are likely to be more evident and can also make them more vulnerable to scams. Whether or not there is a deliberate targeting of Indigenous consumers is not always easy to discern. A lack of experience with written contracts and understanding of consumer laws generally, makes it not only difficult for Indigenous people to identify consumer-related issues, it can put them in a very vulnerable position when interacting with traders, landlords and service providers. Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e |9 Consumer agencies New South Wales NSW Fair Trading NSW Fair Trading (a division of the Office of Finance and Services) safeguards consumer rights, regulates specific industries and occupations, and advises traders on fair and ethical business practices. Fair Trading continually strives for excellence in compliance and service delivery. Fair Trading also supports local communities across NSW in many ways, such as its Aboriginal Action Plan (AAP). The AAP involves making our services more accessible to Indigenous communities right across NSW to improve the experience of Indigenous consumers in the marketplace. Head Office 60 Station Street Parramatta NSW 2150 Postal address PO Box 972 Parramatta NSW 2124 Tel: (02) 9895 0111 Fax: (02) 9895 0222 Web: www.fairtrading.nsw.gov.au Enquiry line: 13 32 20 Aboriginal enquiry officer: 1800 500 330 Australian Capital Territory Office of Regulatory Services The Office of Regulatory Services promotes fair trading to protect consumers in the ACT. It provides information to consumers on how to avoid potential problems, and assists with complaints made against businesses trading in the ACT. The Office also offers businesses an advisory service that explains the fair trading framework within which they should operate. Head Office ACT Office of Regulatory Services 255 Canberra Avenue Fyshwick ACT 2609 Postal address GPO BOX 158 Canberra City ACT 2601 Tel: (02) 6207 3000 Eml: [email protected] Web: www.ors.act.gov.au Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | 10 Australian Competition and Consumer Commission (ACCC) The ACCC is a national law enforcement authority established to administer the Competition and Consumer Act 2010. The ACCC seeks to promote competition, fair trade and facilitate consumer protection in markets to benefit businesses, consumers and the wider community whilst ensuring that individuals and businesses comply with Australian competition, fair trading, and consumer protection laws. The ACCC has identified Indigenous consumers as one of its high priority areas under the ACCC's Compliance and Enforcement Policy. The ACCC continues to build partnerships with remote communities and key Indigenous stakeholders. The objective of the ACCC work is to ensure that consumers have sufficient information and knowledge about their consumer rights to make informed decisions when purchasing goods and services. The ACCC will continue to work with businesses to ensure that they are aware of their rights and obligations when dealing with indigenous consumers. Web: www.asic.gov.au ACCC Indigenous infoline: 1300 303 143 Australian Securities and Investments Commission (ASIC) ASIC promotes confident and informed participation by consumers and investors in the financial system by: • • • • providing education, through the National Financial Literacy Strategy providing trusted and independent information, tools and ongoing support working in partnership with the financial services industry and promoting best practice working with diverse communities through its outreach teams including the Indigenous Outreach Program (IOP). Head Office Level 5 100 Market Street Sydney NSW 2000 Postal address GPO Box 9827 Sydney NSW 2001 Tel: (02) 9911 2000 Fax: (02) 9911 2414 Web: www.asic.gov.au Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | 11 Northern Territory Northern Territory Consumer Affairs Northern Territory Consumer Affairs is the Government agency responsible for administering the Australian Consumer Law and the Consumer Affairs and Fair Trading Act as well as various other pieces of legislation. The office monitors businesses for compliance with applicable legislation and advises consumers of their rights. Consumer Affairs Officers assist with negotiation, conciliation and dispute resolution processes with respect to fair trading and other matters within the legislation administered. Head Office Northern Territory Consumer Affairs Level 1 The Met Building 13 Scaturchio Street Casuarina NT 0810 Postal address PO Box 40946 Casuarina NT 0811 Tel: 1800 019 319 Fax: (08) 8935 7738 Web: www.consumeraffairs.nt.gov.au Queensland Office of Fair Trading The Office of Fair Trading serves Queensland consumers and businesses by: providing information and advice about their rights and responsibilities; helping resolve marketplace disputes; licensing a range of occupations; investigating unfair business practices; prosecuting unscrupulous businesses; and providing information about product safety. Head Office Department of Justice and Attorney-General Level 4, Executive Annexe 102 George Street Brisbane QLD 4001 Postal address GPO Box 3111 Brisbane QLD 4001 Customer Call Centre: 13 QGOV (13 74 68) Web: www.fairtrading.qld.gov.au Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | 12 South Australia Consumer and Business Services Consumer and Business Services (CBS) provides information and advice about consumer rights and tenancies matters and assists in resolving disputes. CBS also monitors business activities, investigates complaints and takes enforcement action against unlawful conduct. Other services provided by CBS include: • licensing for certain occupations, trades and businesses; • registration of incorporated associations; • regulation of the liquor, gaming, casino, racing, lottery and charity industries; and • birth, death and marriages. Head Office Ground Floor 91 Grenfell Street Adelaide SA 5000 Postal address GPO Box 1719 Adelaide SA 5001 Tel: 13 18 82 Fax: (08) 8204 9590 Web: www.cbs.sa.gov.au Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | 13 Tasmania Consumer Affairs and Fair Trading Consumer Affairs and Fair Trading provides a range of services and information to the Tasmanian community, in order to encourage a fair, safe and equitable marketplace. Our services include: • providing information and dispute resolution services to consumers, traders, tenants, landlords and property managers; • discouraging behaviour that promotes unfair competition based upon misleading claims or deceptive conduct; • monitoring products in the market place to ensure they meet product safety standards; • managing the licensing regime for motor vehicle traders and conveyancers; • registration of incorporated associations and co-operative societies (including ensuring registered bodies comply with their reporting requirements) and providing approval for non-local charities to collect donations in Tasmania; • maintaining a secure repository for rental bonds along with quick and cost effective lodgement and disbursement processes; and • providing investigative services for the Residential Tenancy Commissioner and determining disputes regarding how bonds should be distributed at the end of a tenancy. Head Office Level 3 15 Murray Street Hobart TAS 7000 Postal address GPO Box 1244 Hobart TAS 7001 Tel: 1300 654 499 Fax: (03) 6233 4882 Web: www.consumer.tas.gov.au Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | 14 Victoria Consumer Affairs Victoria Consumer Affairs Victoria provides consumers with advice, conciliation services and information on a range of issues including real estate, renting, contracts, mobile phones, motor vehicles and other consumer issues. Consumer Affairs Victoria has a dedicated Koori help line. Head Office Department of Justice 121 Exhibition Street Melbourne VIC 3000 Postal address GPO Box 123 Melbourne VIC 3001 Web: www.consumer.vic.gov.au Koori help line: 1300 661 511 Western Australia Department of Commerce The Department of Commerce promotes consumer protection and fair trading in Western Australia. The Department provides information and advice, helps to resolve disputes, investigates complaints, prosecutes unscrupulous traders, licenses a range of activities and develops legislation for Government. Head Office Level 7 219 St George’s Terrace Cloisters Square Perth WA 6000 Postal address Locked Bag 14 Perth WA 6850 Tel: (08) 9282 0602 Fax: (08) 9282 0727 Web: www.commerce.wa.gov.au Consumer Protection Advice Line: 1300 30 40 54 Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016 P a g e | 15 Legislative and Governance Forum on Consumer Affairs - Taking action, gaining trust A National Indigenous Consumer Strategy Action Plan 2014 - 2016
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