Australia's only peak body for
all coops + mutuals

Submissions

Giving businesses the choice to operate as a co-operative or mutual needs the regulatory regimes to fit. BCCM submissions to government inquiries have led to amended legislation for fairer operating conditions, access to capital and grants allocation.

BCCM Submissions also help educate the wider community on the benefits of co-operatives and mutuals across the economy.

For information on the BCCM Submissions please contact Anthony Taylor.

    The BCCM has made submissions in the following areas: 

    • Agriculture
    • Banking and Financial Services
    • Community and Human Services
    • Employment
    • Energy and Utilities
    • Healthcare
    • Housing
    • International Development
    • Legal and Regulatory
    • Media
    • Pre-Budget
    • Small and Medium Enterprise

    Agriculture

    GROWING FOR QUEENSLAND

    BCCM called on the Queensland Government to adopt Co-operatives National Law without delay to reduce barriers to producer co-operatives in the Queensland agricultural sector.

    Jurisdiction: Queensland

    Committee: Queensland Government

    Submission Date: 29 August 2019

    NATIONAL WATER REFORM INQUIRY

    The BCCM highlighted the success of irrigation co-operatives.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 19 October 2017

    INQUIRY INTO RETAIL SUPPLY ISSUES FACED BY SOUTH AUSTRALIAN PRIMARY PRODUCERS

    BCCM’s submission outlined the benefits of co-operation for primary producers.

    Jurisdiction: South Australia

    Committee: Economic and Finance Committee

    Submission Date: 3 February 2017

    Banking and Financial Services

    FINAL REPORT OF THE REVIEW INTO OPEN BANKING

    The BCCM supported the Open Banking concept and advocated for the impact of implementation to take into account the mutual ADI sector

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 23 March 2018

    COMPETITION IN THE AUSTRALIAN FINANCIAL SYSTEM DRAFT REPORT

    The BCCM reiterated the need for a level playing field for mutual ADIs if they are to contribute to enhanced competition in the financial system.

    Jurisdiction: Commonwealth

    Committee: Productivity Commission

    Submission Date: 20 March 2018

    BANKING EXECUTIVE ACCOUNTABILITY REGIME – DRAFT LEGISLATION CONSULTATION

    The BCCM argued that the Draft Legislation did not take into account remuneration structures in mutual ADIs.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 29 September 2017

    REVIEW INTO OPEN BANKING IN AUSTRALIA CONSULTATION

    The BCCM supported the submissions of COBA and Cuscal, and noted that the implementation of Open Banking should be such that it does not undermine competition.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 29 September 2017

    REDUCING BARRIERS TO NEW ENTRANTS TO THE BANKING SECTOR – REMOVING RESTRICTIONS ON THE USE OF THE TERM ‘BANK’ CONSULTATION

    The BCCM supported removing restrictions on the term ‘bank’ but highlighted that credit unions were equally secure.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: August 2017

    COMMON EQUITY TIER 1 INSTRUMENTS FOR MUTUALLY OWNED ADIS CONSULTATION

    The BCCM supported COBA’s submission.

    Jurisdiction: Commonwealth

    Committee: Australian Prudential Regulation Authority

    Submission Date: 8 September 2017

    COMPETITION IN AUSTRALIA’S FINANCIAL SYSTEM INQUIRY

    Co-operatives and mutuals provide diversity in markets, thereby enhancing competition. A level playing field between mutuals and others in the financial system is needed to enhance competition.

    Jurisdiction: Commonwealth

    Committee: Productivity Commission

    Submission Date: 15 September 2017

    BANKING EXECUTIVE ACCOUNTABILITY REGIME CONSULTATION

    The BCCM submission pointed out that mutual ADIs do not use the types of management incentives that prompted this policy and therefore should be exempt.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 3 August 2017

    TREASURY CONSULTATION ON ‘REFORMS FOR CO-OPERATIVES, MUTUALS AND MEMBER-OWNED FIRMS’

    The BCCM submission outlined the reasons why co-operatives and mutuals need improved access to capital through a new statutory instrument.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 19 May 2017

    SOCIAL IMPACT INVESTING DISCUSSION PAPER

    The BCCM submission focused on the track record and potential of co-operatives as vehicles for social impact investment.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 3 March 2017

    INQUIRY INTO CONSUMER PROTECTION IN THE BANKING, INSURANCE AND FINANCIAL SECTOR

    BCCM supported COBA’s submission. The BCCM argued that alongside consumer protection regulation, the broader policy and competition environment must be considered.

    Jurisdiction: Commonwealth

    Committee: Senate Standing Committees on Economics

    Submission Date: 10 March 2017

    EMPLOYEE SHARE SCHEMES CONSULTATION PAPER

    The BCCM supported the submission of Employee Ownership Australia.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 16 January 2017

    CORPORATIONS AMENDMENT (CROWD-SOURCED FUNDING) BILL 2016

    The BCCM re-iterated its concerns with the Crowd-sourced Funding Bill 2015, particularly from the standpoint of state-registered co-operatives.

    Jurisdiction: Commonwealth

    Committee: Senate Economics References Committee

    Submission Date: 13 January 2017

    Community and Human Services

    TACKLING CLIMATE CHANGE IN VICTORIAN COMMUNITIES

    The submissions provides examples of how co-ops and mutuals, as community-owned businesses, are taking action on climate change.

    Jurisdiction: Victoria

    Committee: Legislative Assembly Environment and Planning Committee

    Submission Date: 26 August 2019

    SUBMISSION IN RESPONSE TO THE VICTORIAN DEPARTMENT OF ENVIRONMENT, LAND, WATER AND PLANNING ISSUES PAPER ON SHIFTING VICTORIA TO A CIRCULAR ECONOMY

    Co-operatives are globally recognised for their contribution to sustainable production and consumption.

    Jurisdiction: Victoria

    Committee: Victorian Department of Environment

    Submission Date: 12 August 2019

    REVIEW OF AUSTRALIAN CHARITIES AND NOT-FOR-PROFITS COMMISSION (ACNC) LEGISLATION

    The BCCM recommended the ACNC framework should not be extended to non-charity not-for-profits and that all dual regulation of co-operatives be eliminated.

    Jurisdiction: Commonwealth

    Committee: McClure Review Panel

    Submission Date: 28 February 2018

    INQUIRY INTO THE QUALITY OF CARE IN RESIDENTIAL AGED CARE FACILITIES IN AUSTRALIA

    The BCCM called for a focus on the benefits of employee ownership if the aim is quality care.

    Jurisdiction: Commonwealth

    Committee: Standing Committee on Health, Aged Care and Sport

    Submission Date: 28 February 2018

    NDIS MARKET READINESS

    Co-operatives and mutuals, by way of their organisational form, can play an important role in developing sustainable NDIS markets.

    Jurisdiction: Commonwealth

    Committee: Joint Committee on the National Disability Insurance Scheme

    Submission Date: 22 February 2018

    THE AASB’S STANDARD-SETTING FRAMEWORKS FOR FOR-PROFIT ENTITIES AND NOT-FOR-PROFIT ENTITIES INVITATION TO COMMENT

    The BCCM outlined the difficulties of categorising co-operative and mutual enterprises within the draft standard-setting frameworks.

    Jurisdiction: Commonwealth

    Committee: AASB

    Submission Date: 17 January 2018

    NSW RETIREMENT VILLAGES

    The BCCM argued that the co-operative model would bring benefits to residents of retirement villages.

    Jurisdiction: New South Wales

    Committee: NSW Fair Trading

    Submission Date: 6 November 2017

    INQUIRY INTO AND REPORT ON THE TRANSITIONAL ARRANGEMENTS FOR THE NDIS

    The BCCM submission provided feedback from co-operatives operating in the NDIS, and highlighted the role co-operatives can play in market development.

    Jurisdiction: Commonwealth

    Committee: House of Representatives Joint Standing Committee on the National Disability Insurance Scheme

    Submission Date: 16 August 2017

    DRAFT REPORT INTRODUCING COMPETITION AND INFORMED USER CHOICE INTO HUMAN SERVICES: REFORMS TO HUMAN SERVICES

    The BCCM welcomed the consideration of organisation form in the draft report and pointed out some parts of the report where mutuals could be included.

    Jurisdiction: Commonwealth

    Committee: Productivity Commission

    Submission Date: July 2017

    NDIS COSTS POSITION PAPER

    Co-operatives have distinct motivates and purpose compared with not-for-profit and for-profit entities. Co-operatives can foster market development, innovation and sustainability.

    Jurisdiction: Commonwealth

    Committee: Productivity Commission

    Submission Date: 19 July 2017

    INQUIRY INTO DELIVERY OF OUTCOMES UNDER THE NATIONAL DISABILITY STRATEGY 2010-2020 TO BUILD INCLUSIVE AND ACCESSIBLE COMMUNITIES

    Diversity of business models is important in markets, particularly where the aim is empowering Participants.

    Jurisdiction: Commonwealth

    Committee: Senate Community Affairs References Committee

    Submission Date: May 2017

    INQUIRY INTO NDIS COSTS

    The BCCM provided case studies of co-operatives operating in the NDIS. The NDIA should investigate how it can reduce barriers to entry for new providers, including co-operatives.

    Jurisdiction: Commonwealth

    Committee: Productivity Commission

    Submission Date: 28 March 2017

    INQUIRY INTO SUICIDE BY VETERANS AND EX-SERVICE PERSONNEL

    BCCM member Defence Bank makes significant contributions to veterans through its Foundation.

    Jurisdiction: Commonwealth

    Committee: Senate Foreign Affairs, Defence and Trade Committee

    Submission Date: 6 March 2017

    HUMAN SERVICES PUBLIC INQUIRY SECOND STAGE

    The BCCM argued that organisational form matters for human services and identified services suited to co-operatives.

    Jurisdiction: Commonwealth

    Committee: Productivity Commission

    Submission Date: February 2017

    Development

    REGIONAL INEQUALITY IN AUSTRALIA

    The BCCM submission outlines how co-operatives distribute wealth equitably within and between regions

    Jurisdiction: Commonwealth

    Committee: Senate Economics References Committee

    Submission Date: 3 March 2018

    STRATEGIC EFFECTIVENESS AND OUTCOMES OF AUSTRALIA’S AID PROGRAM IN THE INDO-PACIFIC

    The BCCM submission reiterated the potential and advantages of co-operatives models of development

    Jurisdiction: Commonwealth

    Committee: Joint Standing Committee on Foreign Affairs, Defence and Trade

    Submission Date: 22 June 2018

    UN SUSTAINABLE DEVELOPMENT GOALS

    The BCCM outlined the ways co-operatives and mutuals deliver on the SDGs and ways the government can support this

    Jurisdiction: Commonwealth

    Committee: Senate Standing Committees on Foreign Affairs, Defence and Trade

    Submission Date: 4 April 2018

    INQUIRY INTO DEVELOPMENT AND DECENTRALISATION

    Co-operatives and mutuals are important contributors to regional Australia. The characteristics and business purpose of co-operatives means they are aligned with the policy goals of decentralisation. The BCCM argued for a level playing field for “co-operative entrepreneurship” in regional Australia.

    Jurisdiction: Commonwealth

    Committee: Select Committee on Development and Decentralisation

    Submission Date: 18 September 2017

    INQUIRY INTO THE GOVERNANCE AND OPERATION OF THE NORTHERN AUSTRALIA INFRASTRUCTURE FACILITY

    The BCCM argued that the scope of the NAIF investment mandate should extend to include medium-sized enterprises undertaking energy or agribusiness projects, including co-operatives of producers.

    Jurisdiction: Commonwealth

    Committee: Senate Standing Committees on Economics

    Submission Date: 9 August 2017

    INQUIRY INTO SUPPORT FOR START-UPS IN REGIONAL NEW SOUTH WALES

    The BCCM argued that co-operative entrepreneurship should be included in any start-up support policies.

    Jurisdiction: New South Wales

    Committee: Committee on Investment, Industry and Development

    Submission Date: 1 August 2017

    INQUIRY INTO THE AUSTRALIAN GOVERNMENT’S ROLE IN THE DEVELOPMENT OF CITIES

    Co-operatives and mutuals are long-term investors in regional Australia and should be encouraged to develop through an enabling policy environment.

    Jurisdiction: Commonwealth

    Committee: House of Representatives Standing Committee on Infrastructure, Transport and Cities

    Submission Date: 1 August 2017

    INQUIRY INTO TRANSITIONING REGIONAL ECONOMIES

    The BCCM provided case studies of the role co-operatives have played in economies undergoing structural change.

    Jurisdiction: Commonwealth

    Committee: Productivity Commission

    Submission Date: 1 August 2017

    INQUIRY INTO ESTABLISHING A MODERN SLAVERY ACT

    The BCCM expressed support for a Modern Slavery Act and provided case studies of the contribution of co-operatives to ethical supply chains.

    Jurisdiction: Commonwealth

    Committee: Joint Standing Committee on Foreign Affairs, Defence and Trade

    Submission Date: 1 May 2017

    Energy and Utilities

    INQUIRY INTO MODERNISING AUSTRALIA’S ELECTRICITY GRID

    The BCCM highlighted the potential for co-operative ownership of electricity infrastructure.

    Jurisdiction: Commonwealth

    Committee: House of Representatives Standing Committee on the Environment and Energy

    Submission Date: 28 April 2017

    Employment

    VICTORIA ON DEMAND ECONOMY

    This submission provides examples of co-operatives providing fair work in the gig and on-demand economy

    Jurisdiction: Victoria

    Committee: Department of Premier and Cabinet

    Submission Date: 8 February 2019

    FUTURE OF WORK AND WORKERS

    The BCCM outlined four key areas where co-operatives and mutuals will address work trends: providing good jobs in the growing health and care sector, strengthening local small businesses, helping people and businesses transition in response to structural changes in the economy and ensuring equitable distribution of the benefits of the sharing economy.

    Jurisdiction: Commonwealth

    Committee: Select Committee on the Future of Work and Workers

    Submission Date: 20 February 2018

    Healthcare

    INQUIRY INTO THE VALUE AND AFFORDABILITY OF PRIVATE HEALTH INSURANCE AND OUT-OF-POCKET MEDICAL COSTS

    The BCCM highlighted the focus of mutual insurers on delivering value to members.

    Jurisdiction: Commonwealth

    Committee: Senate Standing Committees on Community Affairs

    Submission Date: 28 July 2017

    Housing

    NATIONAL HOUSING FINANCE AND INVESTMENT CORPORATION BILL – ECONOMICS COMMITTEE INQUIRY

    The BCCM supported the submission made by  BCCM housing sector, member Common Equity New South Wales (CENSW)

    Jurisdiction: Commonwealth

    Committee: Senate Standing Committees on Economics

    Submission Date: 13 April 2018

    NATIONAL HOUSING FINANCE AND INVESTMENT CORPORATION DRAFT INVESTMENT MANDATE CONSULTATION

    The BCCM supported the submission made by  BCCM housing sector, member Common Equity New South Wales (CENSW)

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 13/3/2018

    NATIONAL HOUSING FINANCE AND INVESTMENT CORPORATION CONSULTATION

    The BCCM expressed support for the National Housing Finance and Investment Corporation.

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 20/10/2017

    Legal and Regulatory

    EMPLOYEE SHARE SCHEMES CONSULTATION PAPER

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 30 April 2019

    AASB FEEDBACK ON CO-OPERATIVE SHARES

    Jurisdiction: AASB

    Committee: N/A

    Submission Date: 25 March 2019

    MANDATORY SCHEME FOR THE SHARING OF MOTOR VEHICLE SERVICE AND REPAIR INFORMATION

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 11 March 2019

    MODERNISING BUSINESS REGISTER SENATE ECONOMICS LEGISLATION INQUIRY

    Jurisdiction: Commonwealth

    Committee: Senate Standing Committees on Economics

    Submission Date: 6 March 2019

    MUTUAL ADI TAX REGULATION AMENDMENTS – TREASURY CONSULTATION

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 11 February 2019

    MUTUALS AMENDMENT BILL 2018

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 30 October 2018

    BUSINESS INVESTMENT

    The BCCM recommended the move to national regulation of co-operatives

    Jurisdiction: Commonwealth

    Committee: House of Representatives Standing Committee on Economics

    Submission Date: 15 June 2018

    MODERNISING BUSINESS REGISTRY SERVICES CONSULTATION

    The BCCM argued for a number of changes

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 6 September 2017

    COMPETITION POLICY REVIEW FINAL REPORT

    The BCCM expressed support for inclusion of public service mutuals in the Final Report.

    Jurisdiction: Commonwealth

    Committee: Small Business, Competition and Consumer Policy Division

    Submission Date: 26 May 2017

    Media

    INQUIRY INTO THE FUTURE OF PUBLIC INTEREST JOURNALISM

    BCCM provided case studies of media co-operatives.

    Jurisdiction: Commonwealth

    Committee: Senate Select Committee on the Future of Public Interest Journalism

    Submission Date: June 2017

    Pre-Budget

    2018-19 PRE-BUDGET SUBMISSIONS

    Jurisdiction: Commonwealth

    Committee: Treasury

    Submission Date: 15 December 2017

    Small and Medium Enterprise

    TASMANIAN SMALL BUSINESS STRATEGY

    Jurisdiction: Tasmania

    Committee: Department of State Growth

    Submission Date: 21 January 2019

    OPERATION AND EFFECTIVENESS OF THE FRANCHISING CODE OF CONDUCT

    The BCCM gave an overview of the enterprise co-operative sector and argued it can be play a role in enhancing competition

    Jurisdiction: Commonwealth

    Committee: Joint Committee on Corporations and Financial Services

    Submission Date: 04/05/2018

    NEW CAR RETAILING INDUSTRY MARKET STUDY

    The BCCM submission supported increase sharing of information by manufacturers with independent providers.

    Jurisdiction: Commonwealth

    Committee: Australian Competition and Consumer Commission

    Submission Date: 11/9/2017

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