Senator RUSTON (South Australia—Minister for Families and Social Services and Manager of Government Business in the Senate) (14:00): I thank Senator McCarthy for her question. I would like to advise the senator that the premise on which she's based her question about the cashless debit card being contrary to section 12DL of the ASIC Act 2001 is not actually correct. The power is a protection to prevent financial institutions from signing people up to products such as credit cards with preapproved limits without first obtaining their approval. Just as when social security payments are made by another means, via cheque, it's clear that directing someone's social security payment to— The PRESIDENT: Order, Senator Ruston. Senator Wong, on a point of order? Senator Wong: I seek leave to table the letter from ASIC, which might assist the minister in answering this question because it doesn't appear that her answer is consistent with the advice that's been received. The PRESIDENT: Is leave granted? I understand it will be considered. For the moment, Senator Ruston to continue. Senator RUSTON: To finish off on this particular question: it's clear that directing someone's social security payment to the cashless debit card does not fall under the provision which Senator McCarthy referred to. That is why, in 2016, ASIC provided the government with a no-action letter for the purposes of the cashless debit card trial. The PRESIDENT: Senator McCarthy, a supplementary question?