{"id":"F2018L00654","name":"Australian Prudential Regulation Authority instrument fixing charges No. 1 of 2018","slug":"australian-prudential-regulation-authority-instrument-fixing-charges-no-1-of-2018","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":100076,"registerId":"commonwealth-F2018L00654-current","compilationNumber":null,"startDate":"2026-04-02","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"Schedule of charges","sectionType":"part","heading":"Schedule of charges","content":"# \nSchedule of charges\n\n| Column 1Services for which the charge is imposed | Column 2Amount of the charge | Column 3Person required to pay the charge | Column 4When the charge is to be paid |\n| ---------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------- | ----------------------------------------- | ----------------------------------------------------------------- |\n| Provision to the ABS during the 2017 – 18 financial year of the statistical information specified in Schedule1 concerning financial sector entities. | $319,949 | ABS | Twenty-eight days after receipt of APRA’s invoice for the charge. |\n| Provision to the RBA during the 2017 – 18 financial year of the statistical information specified in Schedule2 concerning financial sector entities. | $74,959 | RBA | Twenty-eight days after receipt of APRA’s invoice for the charge. |\n\n \nSchedule 1 – Statistical information provided to the ABS during the 2017–18 financial year\n\n```html\n

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Equity Securities Held

Debt Securities on Issue

Bill Acceptances and Endorsements

REPOS & Stock Lending/Borrowing

Intra-Group Receivables and Payables

Other Operating Expenses

Selected Revenues and Expenses (Domestic books)

Selected Revenues and Expenses (Licensed Entity)

Statement of Economic Activity (Domestic books)

Statement of Economic Activity (Licensed Entity)

Commercial Finance in NSW

Commercial Finance in VIC

Commercial Finance in QLD

Commercial Finance in SA

Commercial Finance in WA

Commercial Finance in TAS

Commercial Finance in NT

Commercial Finance in ACT

Housing Finance in NSW

Housing Finance in VIC

Housing Finance in QLD

Housing Finance in SA

Housing Finance in WA

Housing Finance in TAS

Housing Finance in NT

Housing Finance in ACT

Lease Finance in NSW

Lease Finance in VIC

Lease Finance in QLD

Lease Finance in SA

Lease Finance in WA

Lease Finance in TAS

Lease Finance in NT

Lease Finance in ACT

Personal Finance in NSW

Personal Finance in VIC

Personal Finance in QLD

Personal Finance in SA

Personal Finance in WA

Personal Finance in TAS

Personal Finance in NT

Personal Finance in ACT

Premium Revenue by State and Territory of Australia (L)

Claims Expense by State and Territory of Australia (L)

Statement of Financial Position (RFCs)

Debt Securities Held (RFCs)

Equity Securities Held (RFCs)

Debt Securities on Issue (RFCs)

Bill Acceptances (RFCs)

REPOS and Stock Lending and Borrowing (RFCs)

Financial Derivatives (RFCs)

Selected Revenues and Expenses (RFCs)

Statement of Economic Activity (RFCs)

Commercial Finance in NSW (RFCs)

Commercial Finance in VIC (RFCs)

Commercial Finance in QLD (RFCs)

Commercial Finance in SA (RFCs)

Commercial Finance in WA (RFCs)

Commercial Finance in TAS (RFCs)

Commercial Finance in NT (RFCs)

Commercial Finance in ACT (RFCs)

Housing Finance in NSW (RFCs)

Housing Finance in VIC (RFCs)

Housing Finance in QLD (RFCs)

Housing Finance in SA (RFCs)

Housing Finance in WA (RFCs)

Housing Finance in TAS (RFCs)

Housing Finance in NT (RFCs)

Housing Finance in ACT (RFCs)

Lease Finance in NSW (RFCs)

Lease Finance in VIC (RFCs)

Lease Finance in QLD (RFCs)

Lease Finance in SA (RFCs)

Lease Finance in WA (RFCs)

Lease Finance in TAS (RFCs)

Lease Finance in NT (RFCs)

Lease Finance in ACT (RFCs)

Personal Finance in NSW (RFCs)

Personal Finance in VIC (RFCs)

Personal Finance in QLD (RFCs)

Personal Finance in SA (RFCs)

Personal Finance in WA (RFCs)

Personal Finance in TAS (RFCs)

Personal Finance in NT (RFCs)

Personal Finance in ACT (RFCs)

Selected Disclosure of Investments Version A - 100 Series

Selected Disclosure of Investments Version B - 100 Series

Derivative Financial Instruments - 100 Series

ABS Statement of Financial Position

ABS Securities Subject to Repurchase and Resale and Stock Lending and Borrowing

ABS Derivatives Schedule

\n```\n\n \nSchedule 2 – Statistical information provided to the RBA during the 2017–18 financial year\n\n```html\n

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Housing Loan Reconciliation

Statement of Financial Position (Offshore Operations)

Statement of Financial Position (Licensed ADI)

Housing Finance in NSW

Housing Finance in VIC

Housing Finance in QLD

Housing Finance in SA

Housing Finance in WA

Housing Finance in TAS

Housing Finance in NT

Housing Finance in ACT

Business Finance Statistics

Statement of Financial Position (RFCs)

Debt Securities Held (RFCs)

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Bill Acceptances (RFCs)

REPOS and Stock Lending and Borrowing (RFCs)

Financial Derivatives (RFCs)

Statement of Financial Position (WSF)

\n```","sortOrder":0}],"analysis":{"kimi_summary":{"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"This is a narrow, technical instrument with a single purpose: fixing charges for data-sharing services. It has not expanded beyond its original intent."},"complexity_factors":["Very short document (2 pages of substance)","No defined terms section — all language is plain English","No cross-references to other legislation","Simple tabular structure with 4 clear columns: service, amount, payer, due date","No conditional logic or exceptions — just fixed dollar amounts","Schedules contain raw data tables (form codes and descriptions) but these are purely informational, not legal complexity"],"plain_english_summary":"APRA’s pricing schedule sets fees for providing detailed banking and finance data to other government agencies. It charges the ABS $319,949 and the RBA $74,959 for 2017–18 data services, payable within 28 days of invoice. \n\nThe schedule covers comprehensive financial and housing statistics and functions as a cost‑recovery mechanism so APRA recoups the expense of collecting and processing industry data."},"flash_summary":{"complexity_score":2,"scope_assessment":{"changed":false,"description":"This instrument is narrowly focused: it fixes specific, retrospective charges for statistical information supplied by APRA to the ABS and the RBA for the 2017–18 financial year. That is consistent with the ordinary, stated purpose of a charging/fixing instrument (to record and require payment of costs for services rendered). It does not broaden the legal scope beyond that original purpose (no new classes of payers, no change to APRA’s reporting obligations, and no extension of regulatory powers)."},"complexity_factors":["Two discrete charge lines in the Schedule (simple structure).","Fixed payment term: single standard deadline (28 days after invoice).","Schedules list a large number of discrete APRA form identifiers and dataset names (dozens of form codes across Schedule 1 and Schedule 2) which increases the length of the instrument but not its conditional complexity.","No nested exceptions, no multi-step formulae, no cross-references to other legislative provisions in the text provided.","No definitions section or variable rates — amounts are fixed and unconditional in the instrument."],"plain_english_summary":"**What this instrument does (mechanically)**\n\n- It sets two fixed charges that the Australian Prudential Regulation Authority (APRA) is authorised to recover for services it provided during the 2017–18 financial year. The charges are recorded in a Schedule of charges.\n- The Schedule requires the Australian Bureau of Statistics (ABS) to pay APRA $319,949 and the Reserve Bank of Australia (RBA) to pay APRA $74,959. Each amount is payable to APRA within 28 days after the ABS or RBA receives APRA’s invoice.\n- The instrument attaches two detailed lists (Schedule 1 and Schedule 2) describing the statistical information APRA provided to the ABS and the RBA during 2017–18. The lists identify the specific APRA reporting forms and descriptive names of the datasets that underlie those charges.\n\n**Who it affects**\n\n- Direct payers: the ABS and the RBA (the Schedule states they are the persons required to pay the charges).\n- Indirectly affected: APRA (the recipient of the payments) and the budget lines or appropriations of the ABS and the RBA (because those agencies must meet the invoice). The measures do not directly impose new obligations on private firms or regulated entities — they relate to historical data transfers from APRA to the ABS and RBA.\n\n**Why it matters**\n\n- It documents a cost-recovery transaction between Commonwealth agencies: APRA recovers a quantifiable sum for statistical information it supplied to other government agencies in 2017–18.\n- The lists of forms show the scope and granularity of the datasets supplied (many discrete APRA reporting forms and aggregated statements). That matters for transparency about what work APRA performed and what the charges cover.\n\n**Official purpose claim and practical test**\n\n- The instrument’s stated function is to fix (set) the charges APRA is recovering for services rendered to the ABS and RBA in that financial year. That is a routine administrative cost-recovery step (this is the instrument’s explicit mechanical effect).\n- Costs and incentives: APRA receives the money specified in the Schedule (concentrated benefit). The ABS and RBA must allocate funds to pay the invoices (concentrated cost to those agencies’ budgets). There is no direct pricing or regulatory effect on private sector firms from these entries.\n- Trade-offs and opportunity cost: funds paid by ABS and RBA are diverted from those agencies’ other uses or their appropriations. The instrument does not explain how the sums were calculated here; if the underlying calculation is material, that calculation — not this instrument — is where opportunity-cost trade-offs arise.\n- Implementation and compliance risk: administrative risk is limited to invoicing and payment timing (28 days after invoice). The Schedule defines which datasets the charge is for, reducing ambiguity about scope, but does not include a breakdown of unit costs, so external scrutiny of cost-allocation would require APRA’s supporting records.\n- Bureaucratic discretion and transparency: the instrument fixes amounts for a past financial year and lists the data products supplied. It does not create an ongoing discretionary charging power in this text — it is an itemised, retrospective charge notice.\n\n**Effects on private choice, competition and markets**\n\n- Minimal. This instrument records an inter-agency cost-recovery arrangement and does not change market regulation, competition rules, licensing, or reporting obligations for private entities. It does not change prices or market entry rules.\n\n**Practical details to note**\n\n- Payment terms: 28 days after receipt of APRA’s invoice.\n- The Schedules list numerous APRA form identifiers and descriptive dataset names (for example, statement of financial position, debt securities held, REPOS & stock lending/borrowing, housing/commercial finance by State/Territory, derivatives schedules and many APRA form codes). Those lists define the deliverables covered by the charges.\n\n(Where the instrument asserts a rationale such as “cost recovery”, that is a description of the label applied to the charge; the concrete mechanism is: APRA issued services, issued invoices, and this instrument fixes the amounts that must be paid by the ABS and RBA for the 2017–18 year.)"},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-1-of-2018","history":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-1-of-2018/history","analysis":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-1-of-2018/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-1-of-2018/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-1-of-2018/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-1-of-2018/documents"}}