The establishment of the AFCA scheme represents a step change in complaint resolution in Australia. Australians need an external dispute resolution scheme that is free, fair and independent, and provides a quick resolution to consumer problems and concerns. The establishment of AFCA is essential in delivering this service. As an organisation, AFCA will be transparent, more efficient and more accountable for the service we provide. This means that, for the superannuation industry, AFCA is not just a successor to the Superannuation Complaints Tribunal (SCT), which will continue to deal with existing complaints submitted to it before 1 November 2018. We...