Angus Gilfillan, executive general manager for consumer lending at National Australia Bank (NAB) is being questioned on exceptions his bank would make for customers who did not meet requisite hurdles for credit, and the use of the household expenditure measure, or HEM benchmark, which has been criticised for underestimating the expenses of individuals and therefore providing an inadequate idea of mortgage serviceability. Recorded on 13 and 14 March 2018 at the Owen Dixon Commonwealth Law Courts Building in Melbourne.

Irene Savidis, an unemployed mother, gives evidence on how she was sold credit card insurance by Commonwealth Bank of Australia (CBA), designed to cover card payments when the insured lost their job, despite being ineligible on account of being unemployed. Recorded on 19 March 2018 at the Owen Dixon Commonwealth Law Courts Building in Melbourne.

Karen Cox, Coordinator at the Financial Rights Legal Centre in Sydney, gives evidence on the effects of unscrupulous lending on the lives of lower-income Australians, covering credit cards, home loans, car loans and insurance add-ons. Recorded on 13 March 2018 at the Owen Dixon Commonwealth Law Courts Building in Melbourne.

Mark Harris, a mortgage broker and director of The Home Loan Broker in Brisbane, testifies about Commonwealth Bank of Australia (CBA) withdrawing his accreditation because he wasn’t writing enough loans for them, and his concerns on how this practice could effectively force mortgage brokers to write CBA loans for clients even if they aren’t the most suitable product for that customer. Recorded on 14 March 2018 at the Owen Dixon Commonwealth Law Courts Building in Melbourne.