This report delves into the experiences of First Nations consumers across Victoria, documenting the work of two organisations providing civil legal and financial counselling support, with recommendations for government and industry.

This snapshot examines the impacts of the cost-of-living crisis on ordinary people, drawing on the insights of financial counsellors and their clients, and explains how these services are responding to help people and influence financial services to create a fairer market.

This report documents Consumer Action's experience representing the interests of consumers at the Australian Competition Tribunal, reflecting upon the impact of their involvement and how to ensure stronger consumer protections are in place within the NET industry.

Following the first edition of Regulator Watch in 2013, this edition compares the enforcement activities of key regulators, to assess how their performance has improved and renews calls for greater enforcement activity and more consistent, accessible and transparent reporting.

This report provides insights on the impact of regulation and policy reform implemented by the Victorian government in relation to energy issues reported by callers to Consumer Action’s National Debt Helpline.