Insolvency and related law and policy, and more

Michael Murray is an Australian author and commentator on corporate and personal insolvency law and related issues, in Australia and internationally. He has a strong law and policy background, is independent of any connections, and his views are his own. He gives no legal advice. 

Report on targeting of people in financial hardship

The Economics References Committee has issued its report, on time, following its inquiry into ‘Credit and hardship: report of the Senate inquiry into credit and financial products targeted at Australians at risk of financial hardship’, February 2019.

The first recommendation is that the

‘government should have a strategy to raise the incomes of low income Australians. This strategy should, at a minimum, include protecting penalty rates and reviewing the adequacy of government payments including Newstart’.

Various political comments are made in response to this and other recommendations.

The report is here for those who want or have to read it.


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