Senator McALLISTER (New South Wales—Deputy Opposition Whip in the Senate) (15:03): I move: That the following matter be referred to the Economics References Committee for inquiry and report by 22 February 2019: Credit and financial services targeted at Australians at risk of financial hardship, with particular reference to: (a) the impact on individuals, communities, and the broader financial system of the operations of: (i) payday lenders and consumer lease providers, (ii) unlicensed financial service providers including "buy now, pay later" providers and short-term credit providers, and (iii) debt management firms, debt negotiators, credit repair agencies and personal budgeting services; (b) whether current regulation of these service providers meets community standards and expectations and whether reform is needed to address harm being caused to consumers; (c) the present capacity and capability of the financial counselling sector to provide financial counselling services to financially stressed and distressed members of the community; and (d) any other matters.