{"id":"F2019L00855","name":"Australian Prudential Regulation Authority instrument fixing charges No. 4 of 2019","slug":"australian-prudential-regulation-authority-instrument-fixing-charges-no-4-of-2019","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":99480,"registerId":"commonwealth-F2019L00855-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 2018 – 19 financial year of the statistical information specified in Attachment 1 concerning financial sector entities. | $283,788 | ABS | 28 days after receipt of APRA’s invoice for the charge. |\n| Provision to the RBA during the 2018 – 19 financial year of the statistical information specified in Attachment 2 concerning financial sector entities. | $68,276 | RBA | 28 days after receipt of APRA’s invoice for the charge. |\n| Provision to the ABS during the 2018 – 19 financial year of the statistical information (EFS) specified in Attachment 3 concerning financial sector entities. | $15,529 | ABS | 28 days after receipt of APRA’s invoice for the charge. |\n| Provision to the RBA during the 2018 – 19 financial year of the statistical information (EFS) specified in Attachment 4 concerning financial sector entities. | $28,840 | RBA | 28 days after receipt of APRA’s invoice for the charge. |\n\n \nAttachment 1 – Statistical information provided to the ABS during the 2018–19 financial year\n\n| FORM_CDE | FORM_NAME |\n| ----------- | ------------------------------------------------------------------------------- |\n| ARF_320_0 | Statement of Financial Position (Domestic Books) |\n| ARF_320_1 | Debt Securities Held |\n| ARF_320_2 | Equity Securities Held |\n| ARF_320_3 | Debt Securities on Issue |\n| ARF_320_4 | Bill Acceptances and Endorsements |\n| ARF_320_5 | REPOS & Stock Lending/Borrowing |\n| ARF_320_9 | Intra-Group Receivables and Payables |\n| ARF_330_3 | Other Operating Expenses |\n| ARF_331_0_D | Selected Revenues and Expenses (Domestic books) |\n| ARF_331_0_L | Selected Revenues and Expenses (Licensed Entity) |\n| ARF_332_0_D | Statement of Economic Activity (Domestic books) |\n| ARF_332_0_L | Statement of Economic Activity (Licensed Entity) |\n| ARF_391_0_1 | Commercial Finance in NSW |\n| ARF_391_0_2 | Commercial Finance in VIC |\n| ARF_391_0_3 | Commercial Finance in QLD |\n| ARF_391_0_4 | Commercial Finance in SA |\n| ARF_391_0_5 | Commercial Finance in WA |\n| ARF_391_0_6 | Commercial Finance in TAS |\n| ARF_391_0_7 | Commercial Finance in NT |\n| ARF_391_0_8 | Commercial Finance in ACT |\n| ARF_392_0_1 | Housing Finance in NSW |\n| ARF_392_0_2 | Housing Finance in VIC |\n| ARF_392_0_3 | Housing Finance in QLD |\n| ARF_392_0_4 | Housing Finance in SA |\n| ARF_392_0_5 | Housing Finance in WA |\n| ARF_392_0_6 | Housing Finance in TAS |\n| ARF_392_0_7 | Housing Finance in NT |\n| ARF_392_0_8 | Housing Finance in ACT |\n| ARF_393_0_1 | Lease Finance in NSW |\n| ARF_393_0_2 | Lease Finance in VIC |\n| ARF_393_0_3 | Lease Finance in QLD |\n| ARF_393_0_4 | Lease Finance in SA |\n| ARF_393_0_5 | Lease Finance in WA |\n| ARF_393_0_6 | Lease Finance in TAS |\n| ARF_393_0_7 | Lease Finance in NT |\n| ARF_393_0_8 | Lease Finance in ACT |\n| ARF_394_0_1 | Personal Finance in NSW |\n| ARF_394_0_2 | Personal Finance in VIC |\n| ARF_394_0_3 | Personal Finance in QLD |\n| ARF_394_0_4 | Personal Finance in SA |\n| ARF_394_0_5 | Personal Finance in WA |\n| ARF_394_0_6 | Personal Finance in TAS |\n| ARF_394_0_7 | Personal Finance in NT |\n| ARF_394_0_8 | Personal Finance in ACT |\n| GRF_420_0_L | Premium Revenue by State and Territory of Australia (L) |\n| GRF_430_0_L | Claims Expense by State and Territory of Australia (L) |\n| RRF_320_0 | Statement of Financial Position (RFCs) |\n| RRF_320_1 | Debt Securities Held (RFCs) |\n| RRF_320_2 | Equity Securities Held (RFCs) |\n| RRF_320_3 | Debt Securities on Issue (RFCs) |\n| RRF_320_4 | Bill Acceptances (RFCs) |\n| RRF_320_5 | REPOS and Stock Lending and Borrowing (RFCs) |\n| RRF_320_6 | Financial Derivatives (RFCs) |\n| RRF_331_0 | Selected Revenues and Expenses (RFCs) |\n| RRF_332_0 | Statement of Economic Activity (RFCs) |\n| RRF_391_0_1 | Commercial Finance in NSW (RFCs) |\n| RRF_391_0_2 | Commercial Finance in VIC (RFCs) |\n| RRF_391_0_3 | Commercial Finance in QLD (RFCs) |\n| RRF_391_0_4 | Commercial Finance in SA (RFCs) |\n| RRF_391_0_5 | Commercial Finance in WA (RFCs) |\n| RRF_391_0_6 | Commercial Finance in TAS (RFCs) |\n| RRF_391_0_7 | Commercial Finance in NT (RFCs) |\n| RRF_391_0_8 | Commercial Finance in ACT (RFCs) |\n| RRF_392_0_1 | Housing Finance in NSW (RFCs) |\n| RRF_392_0_2 | Housing Finance in VIC (RFCs) |\n| RRF_392_0_3 | Housing Finance in QLD (RFCs) |\n| RRF_392_0_4 | Housing Finance in SA (RFCs) |\n| RRF_392_0_5 | Housing Finance in WA (RFCs) |\n| RRF_392_0_6 | Housing Finance in TAS (RFCs) |\n| RRF_392_0_7 | Housing Finance in NT (RFCs) |\n| RRF_392_0_8 | Housing Finance in ACT (RFCs) |\n| RRF_393_0_1 | Lease Finance in NSW (RFCs) |\n| RRF_393_0_2 | Lease Finance in VIC (RFCs) |\n| RRF_393_0_3 | Lease Finance in QLD (RFCs) |\n| RRF_393_0_4 | Lease Finance in SA (RFCs) |\n| RRF_393_0_5 | Lease Finance in WA (RFCs) |\n| RRF_393_0_6 | Lease Finance in TAS (RFCs) |\n| RRF_393_0_7 | Lease Finance in NT (RFCs) |\n| RRF_393_0_8 | Lease Finance in ACT (RFCs) |\n| RRF_394_0_1 | Personal Finance in NSW (RFCs) |\n| RRF_394_0_2 | Personal Finance in VIC (RFCs) |\n| RRF_394_0_3 | Personal Finance in QLD (RFCs) |\n| RRF_394_0_4 | Personal Finance in SA (RFCs) |\n| RRF_394_0_5 | Personal Finance in WA (RFCs) |\n| RRF_394_0_6 | Personal Finance in TAS (RFCs) |\n| RRF_394_0_7 | Personal Finance in NT (RFCs) |\n| RRF_394_0_8 | Personal Finance in ACT (RFCs) |\n| SRF_720_0 | ABS Statement of Financial Position |\n| SRF_721_0 | ABS Securities Subject to Repurchase and Resale and Stock Lending and Borrowing |\n| SRF_722_0 | ABS Derivatives Schedule |\n\n \nAttachment 2 – Statistical information provided to the RBA during the 2018–19 financial year\n\n```html\n

FORM_CDE

FORM_NAME

ARF_118_0

Off-balance sheet business

ARF_118_1

Other Off-Balance Sheet Exposures

ARF_320_0

Statement of Financial Position (Domestic Books)

ARF_320_1

Debt Securities Held

ARF_320_3

Debt Securities on Issue

ARF_320_4

Bill Acceptances and Endorsements

ARF_320_5

REPOS & Stock Lending/Borrowing

ARF_320_8

Housing Loan Reconciliation

ARF_392_0_1

Housing Finance in NSW

ARF_392_0_2

Housing Finance in VIC

ARF_392_0_3

Housing Finance in QLD

ARF_392_0_4

Housing Finance in SA

ARF_392_0_5

Housing Finance in WA

ARF_392_0_6

Housing Finance in TAS

ARF_392_0_7

Housing Finance in NT

ARF_392_0_8

Housing Finance in ACT

ARF_395_0

Business Finance Statistics

RRF_320_0

Statement of Financial Position (RFCs)

RRF_320_1

Debt Securities Held (RFCs)

RRF_320_3

Debt Securities on Issue (RFCs)

RRF_320_4

Bill Acceptances (RFCs)

RRF_320_5

REPOS and Stock Lending and Borrowing (RFCs)

RRF_320_6

Financial Derivatives (RFCs)

WRF_320_0

Statement of Financial Position (WSF)

\n```\n\nAttachment 3 – Statistical information (EFS) provided to the ABS during the 2018–19 financial year\n\n| FORM_CDE | FORM_NAME |\n| --------- | ------------------------------------ |\n| ARS 720.0 | Statement of Financial Position |\n| ARS 720.1 | Loans and Finance Leases​ |\n| ARS 720.2 | Deposits ​ |\n| ARS 720.3 | Intra-group Assets and Liabilities ​ |\n| ARS 720.4 | Debt Securities Held ​ |\n| ARS 720.5 | Equity Securities Held |\n| ARS 720.6 | Securities on Issue |\n| ARS 720.7 | Bill Acceptances and Endorsements |\n\nAttachment 4 – Statistical information (EFS) provided to the RBA during the 2018–19 financial year\n\n| FORM_CDE | FORM_NAME |\n| --------- | ------------------------------------ |\n| ARS 720.0 | Statement of Financial Position |\n| ARS 720.1 | Loans and Finance Leases​ |\n| ARS 720.2 | Deposits ​ |\n| ARS 720.3 | Intra-group Assets and Liabilities ​ |\n| ARS 720.4 | Debt Securities Held ​ |\n| ARS 720.5 | Equity Securities Held |\n| ARS 720.6 | Securities on Issue |\n| ARS 720.7 | Bill Acceptances and Endorsements |","sortOrder":0}],"analysis":{"flash_summary":{"complexity_score":2,"scope_assessment":{"changed":false,"description":"This instrument is narrow and administrative: it fixes fees for statistical information that APRA supplied in 2018–19 and identifies the exact datasets covered. It does not expand APRA’s regulatory powers, create new reporting obligations, or materially change the categories of persons affected compared with the instrument’s apparent original purpose (cost recovery for data provision). Therefore the scope has not been significantly changed beyond that original administrative purpose."},"complexity_factors":["Only 4 separate charge line items in the Schedule","Uniform payment timing for all items (28 days after invoice) — no conditional timing rules","Attachments list many form codes (~70–100 entries across Attachments 1–4) but those are plain enumerations rather than legal definitions or conditions","No nested exceptions, no cross-referential operative provisions, and no tiered or contingent rates","No defined-term heavy interpretation section in the instrument itself — the document is largely tabular and descriptive"],"plain_english_summary":"**What this instrument does, mechanically**\n\n- The Australian Prudential Regulation Authority (APRA) sets four fixed charges for statistical information APRA provided during the 2018–19 financial year. The charges are listed in a Schedule and are payable to APRA by the recipients of that information.\n- The Schedule lists: the service being charged (i.e. the specific statistical information provided), the dollar amount of each charge, who must pay it, and when the payment is due (28 days after APRA issues an invoice). (See Schedule, Columns 1–4.)\n- The four items are: two charges for standard statistical returns supplied to the Australian Bureau of Statistics (ABS) and the Reserve Bank of Australia (RBA), and two smaller charges for EFS (Economic and Financial Statistics) returns supplied to the ABS and the RBA. The amounts are: $283,788 (ABS), $68,276 (RBA), $15,529 (ABS, EFS), and $28,840 (RBA, EFS) — total $396,433.\n- Four Attachments enumerate the exact forms / data sets supplied under each line item. Attachments 1 and 3 list many ABS form codes and names; Attachments 2 and 4 list the RBA form codes and names (including a number of ARF/RRF/WRF series forms and EFS form codes ARS 720.x).\n\n**Who is affected**\n\n- Direct payers: the ABS and the RBA are named as the persons required to pay these charges (Schedule, Column 3). Those agencies will therefore need to pay APRA the stated sums on receipt of APRA’s invoice.\n- Indirectly affected: APRA (receives the money) and, more broadly, the public-sector budgets of ABS and RBA (the amounts must be funded from their appropriations or budgets). The instrument does not impose charges on private financial institutions or the general public.\n\n**Why it matters**\n\n- It formalises cost recovery for discrete data-delivery services APRA provided in 2018–19, turning provision of those specific datasets into payable services with fixed amounts and payment terms.\n- The instrument identifies precisely which forms and datasets are covered (Attachments 1–4). That specificity ties the charge to a concrete set of deliverables, reducing ambiguity about what service the charge covers.\n\n**Official purpose claim and how that plays out in practice**\n\n- The instrument does not state an explanatory narrative within the text, but the function of instruments of this type is normally to recover APRA’s costs of preparing and supplying statistics to other agencies. This appears consistent with the content (specific datasets, fixed amounts).\n- Practical effects and trade-offs:\n - Who pays: ABS and RBA (Schedule, Column 3). Government agencies’ budgets bear the cost, not private-sector reporting entities.\n - Who decides: APRA sets the charge amounts by instrument (this instrument is the mechanism used by APRA to fix charges). The instrument does not create new reporting obligations — it charges for information already provided in 2018–19.\n - Behavioural incentives: small. The primary behavioural effect is budgetary: ABS and RBA must allocate funds to settle invoices. It could influence how those agencies budget for or negotiate cost-sharing for future data exchanges, but the instrument itself simply fixes past-period charges.\n - Opportunity cost: the sums (total $396,433) are public-money transfers to APRA that could otherwise be spent within ABS/RBA programs.\n - Compliance/administrative burden: minimal — an invoice is issued and payment is due within 28 days. No new data collection or reporting responsibilities are created by this instrument.\n - Implementation risk: low. The instrument is a one-off schedule applying to data provided in a specified financial year and lists the datasets precisely.\n\n**Concrete citation points**\n- Schedule, Column 1: description of service; Column 2: dollar amounts; Column 3: persons required to pay (ABS, RBA); Column 4: payment timing (28 days after invoice).\n- Attachments 1–4: detailed lists of form codes and form names that identify the statistical returns covered by each charge.\n\nOverall, the instrument is a narrow administrative measure fixing four cost-recovery charges tied to named statistical returns supplied by APRA in 2018–19. It shifts modest sums between Commonwealth agencies and creates predictable payment timing, while imposing no new reporting requirements on industry."},"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"},"kimi_summary":{"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"This is a narrow, single-purpose cost-recovery instrument fixing specific charges for the 2018–19 financial year. It does not expand beyond its original intent of setting fees for data-sharing services between APRA and other government agencies."},"complexity_factors":["Straightforward tabular structure with only 4 chargeable items","No defined terms section or interpretation provisions","No conditional logic, exceptions, or cross-references to other legislation","Simple payment trigger: '28 days after receipt of invoice'","Attachments are purely descriptive lists of data forms with no legal operative effect","Single purpose instrument with no subordinate provisions or regulatory requirements"],"plain_english_summary":"APRA’s fee schedule sets four specific charges levied in 2018–19 for providing detailed financial-sector statistics to the ABS and the RBA. The costs are billed to those agencies (not to regulated firms) and must be paid within 28 days of invoice.\n\nThis is a cost-recovery measure: APRA recovers the expense of preparing and sharing granular regulatory data used for national statistics and monetary policy."}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-4-of-2019","history":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-4-of-2019/history","analysis":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-4-of-2019/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-4-of-2019/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-4-of-2019/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-instrument-fixing-charges-no-4-of-2019/documents"}}