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Isn't the ACCC already responsible for regulating the provision of credit by the utilities and the likes of Telstra, Optus, Vodafone etc? If so, they don't appear to be doing a particularly good job in that sector with identity theft and the fraudulent setting up of accounts rampant as a result of inadequate identity checking. Correct me if I am wrong and it isn't the ACCC, but whoever it is certainly isn't doing an even half decent job.