Joint submission prepared by Consumers Federation of Australia, Care Inc Financial Counselling Service, Consumer Action Law Centre, Consumer Credit Legal Centre NSW, Griffith University Centre for Credit and Consumer Law, Public Interest Advocacy Centre and CHOICE. The purpose of this submission is to provide to the Commission a more detailed description of the institutional arrangements and the principles underlying them as agreed by all the consumer organisations endorsing this submission. This supplementary submission builds on earlier contributions providing further detail on the institutional arrangements for consumer advocacy, research and policy development.
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