Title page
Contents
Foreword 6
Members 9
Terms of Reference 11
Abbreviations 12
1. Introduction 13
Referral of the inquiry 13
Conduct of the inquiry 13
Report structure and themes 13
2. Issues for further inquiry 15
Cultural awareness of the Australian corporate sector 15
Reconciliation Action Plans 17
Background and operation 17
The positive impacts of RAPs 19
Shortfalls in the current RAP program 21
Poor corporate behaviour in critical market sectors for Aboriginal and Torres Strait Islander consumers 23
Background 23
Telecommunications and digital services 23
Financial and banking services 27
Payday lending 30
Car financing 33
Funeral Insurance 37
Utilities sector 38
Public sector agencies 39
The Dan Murphy's consultation failure 40
Vulnerabilities among some Aboriginal and Torres Strait Islander consumers 41
3. Committee comment 43
Cultural awareness through the RAP program 43
Critical market sectors for engagement 44
Financial services 44
Payday lending and predatory car loans 44
Telecommunications and digital services 44
Other sectors 45
Continuation of the inquiry 45
Appendix 46
A. Submissions 46
B. Public hearings 48
Case studies
Case study 1 26
Case study 2 33
Case study 3 36
Case study 4 37
Case study 5 38