When Transparency Meets Fairness in Insurance
When ASIC challenged a home insurance clause that told customers to “tell us if anything changes,” the Federal Court sided with the insurer. In ASIC v Auto & General (2024), Justice Jackman found the clause was not unfair, reaffirming that transparency means clarity of meaning, not perfection of expression. Clean Law’s Escrow Oversight model shows how legal design—not litigation—prevents such regulatory tension between fairness and structure.
The Interest Rate That Was Never Really Fixed
This High Court decision shows how a borrower can be misled about a fixed interest rate yet suffer no legally recognised loss. Marks v GIO reveals a structural gap between expectation and compensable harm — and why financial clarity matters before risk materialises.