The 2018 Ruby Hutchison Memorial Lecture was hosted by the ACCC and Choice on Wednesday 14 March 2018. The lecture was delivered by Fiona Guthrie AM, Chief Executive Officer of Financial Counselling Australia.


The fourth wave

Fiona took us on a historical journey which she described as the first three waves of consumer policy development, leading us to what a future could look like - the fourth wave. A future that is people centred with; empathy and kindness; new business models; responsibility-based regulation; and a strong consumer movement. Fiona delivered a powerful message challenging our thinking and approach, envisioning a world where all of us – business, consumers and government – thrive.

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