This is an HTML version of an attachment to the Freedom of Information request 'Deregistration of the National Australia Bank staff super fund'.










 
 
 
 
FOI 21-24 
16 October 2020 
 
Phillip Sweeney 
Right to Know 
 
By email: [FOI #6727 email]  
 
Dear Mr Sweeney 
NOTICE OF DECISION MADE UNDER SECTION 23 OF THE FREEDOM OF 
INFORMATION ACT 1982
 (CTH) (FOI ACT) WITH REASONS FOR DECISION PROVIDED 
UNDER SECTION 26 

Applicant: 
 
Phillip Sweeney 
Decision-maker: 
Joanne (Person number 3276), an authorised officer of the 
Australian Prudential Regulation Authority (APRA) for the 
purposes of subsection 23(1) of the FOI Act. 
FOI Request:   
“The document I seek is a document that would confirm the 
date between 30 June 2016 and the 30 June 2017 when the 
APRA deregistered the National Australia Bank Group 
Superannuation Fund A as a complying regulated 
superannuation fund.” 
 
(FOI request). 
My decision: 
Grant partial access to one document based on the reasons 
outlined in this Notice of Decision. 
 
MATERIAL FACTS 
1. 
On 16 September 2020, you made the FOI request by email under the FOI Act.  
2. 
On 18 September 2020, APRA acknowledged by email, receipt of the FOI request. 
EVIDENCE AND MATERIAL RELIED ON 
3. 
In making my decision, I have relied on the following evidence and material: 
a. 
the Applicant’s request received by APRA on 16 September 2020; 
b. 
acknowledgment email from FOI Officer to the Applicant dated 18 September 
2020; 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



c. 
email correspondence between APRA staff between 6 October – 16 October 2020; 
d. 
relevant sections of the Australian Prudential Regulation Authority Act 1998 (Cth) 
(APRA Act); 
e. 
relevant sections of the FOI Act; and 
f. 
guidelines issued by the Office of the Australian Information Commissioner to date 
(FOI Guidelines). 
4. 
APRA has conducted all reasonable searches of its records and identified one document 
relevant to your FOI request (relevant documents).  
REASONS  
5. 
I have decided to grant access in part to the relevant document. All other information 
contained in this document has been redacted under section 38 of the FOI Act. 
Secrecy Provisions 
6. 
I have taken the following approach in applying section 38 of the FOI Act and section 56 
of the APRA Act: 
i. 
under section 38 of the FOI Act, a document is exempt if disclosure is prohibited 
under a provision of an enactment and section 38 expressly applies to that 
provision; 
ii. 
subsection 56(11) of the APRA Act expressly applies section 38 of the FOI Act so 
that any document that is a ‘protected document’ or contains ‘protected 
information’ within the meaning of subsection 56(1) of the APRA Act is also an 
exempt document under section 38 of the FOI Act; 
iii. 
under subsection 56(2) of the APRA Act it is an offence to directly or indirectly 
disclose protected documents and/or protected information unless a specified 
exemption applies. This offence provision is binding on me as an APRA staff 
member. The offence is punishable by up to two years imprisonment; 
iv. 
a ‘protected document’ is defined in subsection 56(1) of the APRA Act to include 
documents given or produced under or for the purposes of a prudential regulation 
framework law, and containing information relating to the affairs of a financial 
sector entity. The Superannuation Industry (Supervision) Act 1993 is a prudential 
regulation framework law. The relevant document was given or produced and 
disclosed or obtained under, or for the purposes of, this prudential regulation 
framework law. Therefore, the document is a protected document unless 
otherwise publicly available;  
v. 
‘protected information’ is defined in subsection 56(1) of the APRA Act to include 
information disclosed or obtained under or for the purposes of a prudential 
regulation framework law, and relating to the affairs of a financial sector entity. For 
the same reasons set out in paragraph (iv) above, information contained in the 
document is protected, unless otherwise publicly available. The information in the 
document is protected information, unless otherwise publicly available; and; 
vi. 
the information and the document are not otherwise publicly available. 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



7. 
I am satisfied that the document is a protected document, and/or contains protected 
information as defined in subsection 56(1) of the APRA Act and that the document is 
consequently exempt under section 38 of the FOI Act. 
8. 
An extract of section 38 of the FOI Act and section 56 of the APRA Act is attached to 
these reasons. 
RIGHTS OF REVIEW 
Application for Internal Review of Decision  
9. 
Under section 54 of the FOI Act, you have the right to apply for an internal review of the 
decision if you disagree with my decision. If you make an application for review, another 
officer of APRA will be appointed to conduct the review and make a fresh decision on 
the merits of the case. 
10.  Under section 54B of the FOI Act, you must apply in writing for a review of the decision 
within 30 days after the day the decision has been notified to you.   
11.  You do not have to pay any other fees or processing charges for an internal review, 
except fees and charges applicable for providing access to further material, if any, in the 
document released as a result of the review (for example, photocopying, inspection, 
etc). 
12.  No particular form is required to apply for review, although it is desirable (but not 
essential) to set out in the application, the grounds on which you consider that the 
decision should be reviewed. 
13.  Application for an internal review of the decision should be addressed to: 
 
FOI Officer 
Australian Prudential Regulation Authority  
GPO Box 9836, Sydney NSW 2001 
Telephone: 
(02) 9210 3000 
Facsimile: 
(02) 9210 3411 
14.  If you make an application for internal review and we do not make a decision within 30 
days of receiving the application, the agency is deemed to have affirmed the original 
decision. However, under section 54D of the FOI Act, APRA may apply, in writing to the 
Information Commissioner for further time to consider the internal review. 
Application for review by Information Commissioner 
15.  Under section 54L of the FOI Act, you have the right to apply to the Information 
Commissioner for a review of the original decision or a review of a decision made on 
review. 
16.  Any application must be in writing and must give details of an address where notices 
may be sent and include a copy of the original decision or the decision made on internal 
review. 
17.  An application for review by the Information Commissioner may be lodged in the 
following ways:  
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



Online 
Complete and lodge the online review form at:  
https://www.oaic.gov.au/freedom-of-information/reviews-
and-complaints/information-commissioner-review/ 
Post 
Director of FOI Dispute Resolution 
GPO Box 5218, Sydney NSW 2001 
Email 
[email address] 
Facsimile 
(02) 9284 9666 
Delivered in person 
Office of the Australian Information Commissioner 
Level 3, 175 Pitt Street 
Sydney NSW 2000 
 
 
Application for review by Administrative Appeals Tribunal 
18.  If the decision on review by the Information Commissioner is not to grant access to all 
of the documents within your request, you would be entitled to seek review of the 
Information Commissioner’s decision by the Administrative Appeals Tribunal (AAT).    
19.  The AAT is an independent review body with the power to make a fresh decision. An 
application to the AAT for a review of an FOI decision does not attract a fee. The AAT 
cannot award costs either in your favour or against you, although it may in some 
circumstances recommend payment by the Attorney-General of some or all of your 
costs. Further information is available from the AAT on 1300 366 700. 
Complaints to the Information Commissioner 
20.  You may complain to the Information Commissioner concerning action taken by APRA 
in the exercise of powers or the performance of functions under the FOI Act. There is no 
fee for making a complaint. The Information Commissioner will conduct an independent 
investigation of your complaint. 
21.  You may complain to the Information Commissioner either orally or in writing, by any of 
the methods outlined above, or by telephone, on 1300 363 992. 
 
Joanne (Person number 3276)   
FOI Officer 
Australian Prudential Regulation Authority  
Date: 16 October 2020 
 
 
 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



FREEDOM OF INFORMATION ACT 1982 
38  Documents to which secrecy provisions of enactments apply 
 
(1)  Subject to subsection (1A), a document is an exempt document if: 
 
(a)  disclosure of the document, or information contained in the document, is 
prohibited under a provision of an enactment; and 
 (b) 
either: 
 
(i)  that provision is specified in Schedule 3; or 
 
(ii)  this section is expressly applied to the document, or information, by 
that provision, or by another provision of that or any other enactment. 
 
(1A)  A person’s right of access to a document under section 11 or 22 is not affected 
merely because the document is an exempt document under subsection (1) of 
this section if disclosure of the document, or information contained in the 
document, to that person is not prohibited by the enactment concerned or any 
other enactment. 
 
(2)  Subject to subsection (3), if a person requests access to a document, this 
section does not apply in relation to the document so far as it contains personal 
information about the person. 
 
(3)  This section applies in relation to a document so far as it contains personal 
information about a person if: 
 
(a)  the person requests access to the document; and 
 
(b)  disclosure of the document, or information contained in the document, is 
prohibited under section 503A of the Migration Act 1958 as affected by 
section 503D of that Act. 
 
(4)  In this section: 
enactment includes a Norfolk Island enactment. 
 
 
 
 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY ACT 1998 
56  Secrecy—general obligations  
 
(1)  In this section: 
body regulated by APRA includes a body that has at any time been a body 
regulated by APRA. 
court includes a tribunal, authority or person having the power to require the 
production of documents or the answering of questions. 
financial sector entity has the same meaning as in the Financial Sector 
(Collection of Data) Act 2001

officer means: 
 
(a)  an APRA member; or 
 
(b)  an APRA staff member; or 
 
(c)  any other person who, because of his or her employment, or in the course 
of that employment: 
 
(i)  has acquired protected information; or 
 
(ii)  has had access to protected documents; 
 
  other than an employee of the body to which the information or document 
relates. 
personal information has the same meaning as in the Privacy Act 1988
produce includes permit access to. 
protected document means a document given or produced (whether before or 
after the commencement of this section) under, or for the purposes of, a 
prudential regulation framework law and containing information relating to the 
affairs of: 
 
(a)  a financial sector entity; or 
 
(b)  a body corporate (including a body corporate that has ceased to exist) that 
has at any time been, or is, related (within the meaning of the Corporations 
Act 2001
) to a body regulated by APRA or to a registered entity; or 
 
(c)  a person who has been, is, or proposes to be, a customer of a body 
regulated by APRA or of a registered entity;; or 
 
(ca)  a person in relation to whom information is, or was, required to be given 
under a reporting standard made in accordance with subsection 13(4A) of 
the Financial Sector (Collection of Data) Act 2001; 
other than: 
 
(d)  a document containing information that has already been lawfully made 
available to the public from other sources; or 
 
(e)  a document given or produced under, or for the purposes of, a provision of 
the Superannuation Industry (Supervision) Act 1993
 
(i)  administered by the Commissioner of Taxation; or 
 
(ii)  being applied for the purposes of the administration of a provision 
administered by the Commissioner of Taxation. 
It also includes a document that is given to APRA under Part 7.5A of the 
Corporations Act 2001, other than a document containing information that has 
already been lawfully made available to the public from other sources. 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



protected information means information disclosed or obtained (whether before 
or after the commencement of this section) under, or for the purposes of, a 
prudential regulation framework law and relating to the affairs of: 
 
(a)  a financial sector entity; or 
 
(b)  a body corporate (including a body corporate that has ceased to exist) that 
has at any time been, or is, related (within the meaning of the Corporations 
Act 2001
) to a body regulated by APRA or to a registered entity; or 
 
(c)  a person who has been, is, or proposes to be, a customer of a body 
regulated by APRA or of a registered entity;; or 
 
(ca)  a person in relation to whom information is, or was, required to be given 
under a reporting standard made in accordance with subsection 13(4A) of 
the Financial Sector (Collection of Data) Act 2001
other than: 
 
(d)  information that has already been lawfully made available to the public from 
other sources; or 
 
(e)  information given or produced under, or for the purposes of, a provision of 
the Superannuation Industry (Supervision) Act 1993
 
(i)  administered by the Commissioner of Taxation; or 
 
(ii)   being applied for the purposes of the administration of a provision 
administered by the Commissioner of Taxation. 
It also includes information that is given to APRA under Part 7.5A of the 
Corporations Act 2001, other than information that has already been lawfully 
made available to the public from other sources. 
registered entity means a corporation that is, or has at any time been, a 
registered entity within the meaning of the Financial Sector (Collection of Data) 
Act 2001

 
(2)  A person who is or has been an officer is guilty of an offence if: 
 
(a)  the person directly or indirectly: 
 
(i)  discloses information acquired in the course of his or her duties as an 
officer to any person or to a court; or 
 
(ii)  produces a document to any person or to a court; and 
 
(b)  the information is protected information, or the document is a protected 
document; and 
 
(c)  the disclosure or production is not in accordance with subsection (3), (4), 
(5), (5AA), (5A), (5B), (5C), (6), (7), (7A), (7B) or (7C). 
Penalty: Imprisonment for 2 years. 
Note: 
Chapter 2 of the Criminal Code sets out the general principles of criminal responsibility. 
 
(3)  It is not an offence if the disclosure of protected information or the production of 
a protected document by a person is for the purposes of a prudential regulation 
framework law. 
Note: 
A defendant bears an evidential burden in relation to the matters in subsection (3) (see 
subsection 13.3(3) of the Criminal Code). 
 
(4)  It is not an offence if the disclosure of protected information or the production of 
a protected document by a person: 
 
(a)  is by an employee of the person to whose affairs the information or 
document relates; or 
 
(b)  occurs after the person to whose affairs the information or document relates 
has agreed in writing to the disclosure or production. 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



Note: 
A defendant bears an evidential burden in relation to the matters in subsection (4) (see 
subsection 13.3(3) of the Criminal Code). 
 
(5)  It is not an offence if the disclosure of protected information or the production of 
a protected document by a person: 
 
(a)  occurs when the person is satisfied that the disclosure of the information, or 
the production of the document, will assist a financial sector supervisory 
agency, or any other agency (including foreign agencies) specified in the 
regulations, to perform its functions or exercise its powers and the 
disclosure or production is to that agency; or 
 
(b)  is to another person and is approved by APRA by instrument in writing. 
Note: 
A defendant bears an evidential burden in relation to the matters in subsection (5) (see 
subsection 13.3(3) of the Criminal Code). 
 
(5AA)  It is not an offence if the disclosure of protected information or the production of 
a protected document is made: 
 
(a)  by an officer of an agency to which the information or document has been 
disclosed or produced under paragraph (5)(a); and 
 
(b)  for the same purpose as the information or document was so disclosed or 
produced to that agency. 
Note: 
A defendant bears an evidential burden in relation to the matters in subsection (5AA) 
(see subsection 13.3(3) of the Criminal Code). 
 
(5A)  It is not an offence if the production by a person of a document that was given to 
APRA under section 9 or 13 of the Financial Sector (Collection of Data) Act 2001 
is to the Australian Statistician for the purposes of the Census and Statistics Act 
1905

Note: 
A defendant bears an evidential burden in relation to matters in subsection (5A) (see 
subsection 13.3(3) of the Criminal Code). 
 
(5B)  It is not an offence if the production by a person of a document that was given to 
APRA under section 9 or 13 of the Financial Sector (Collection of Data) Act 2001 
is to: 
 
(a)  the Reserve Bank of Australia; or 
 
(b)  another prescribed authority. 
Note: 
A defendant bears an evidential burden in relation to matters in subsection (5B) (see 
subsection 13.3(3) of the Criminal Code). 
 (5C) 
If: 
 
(a)  a document is a reporting document given to APRA under section 13 of the 
Financial Sector (Collection of Data) Act 2001; and 
 (b) 
either: 
 
(i)  a determination has been made under section 57 that the document 
does not, or documents of that kind do not, contain confidential 
information; or 
 
(ii)  a determination has been made under section 57 that a specified part 
of the document, or of documents of that kind, does not contain 
confidential information; 
it is not an offence to disclose the document or that part of the document, or any 
information contained in the document or that part of the document, to any 
person (including by making the document, the part of the document or the 
information available on APRA’s website). 
 
(6)  It is not an offence if the disclosure of protected information or the production of 
a protected document is to: 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



 
(a)  an APRA member; or 
 
(b)  an APRA staff member; 
for the purposes of the performance of APRA’s functions, or the exercise of 
APRA’s powers, under a law of the Commonwealth or of a State or a Territory. 
Note: 
A defendant bears an evidential burden in relation to the matters in subsection (6) (see 
subsection 13.3(3) of the Criminal Code). 
 
(6A)  It is not an offence if the disclosure of protected information or the production of 
a protected document is to: 
 
(a)  an auditor who has provided, or is providing, professional services to a 
general insurer, authorised NOHC or a subsidiary of a general insurer or 
authorised NOHC; or 
 
(b)  an actuary who has provided, or is providing, professional services to a 
general insurer, authorised NOHC or a subsidiary of a general insurer or 
authorised NOHC; 
and the disclosure is for the purposes of the performance of APRA’s functions, or 
the exercise of APRA’s powers, under a law of the Commonwealth or of a State 
or Territory. 
 
(7)  It is not an offence if the information, or the information contained in the 
document, as the case may be, is in the form of a summary or collection of 
information that is prepared so that information relating to any particular person 
cannot be found out from it. 
Note: 
A defendant bears an evidential burden in relation to the matters in subsection (7) (see 
subsection 13.3(3) of the Criminal Code). 
 
(7A)  It is not an offence if the information, or the information contained in the 
document, as the case may be, is all or any of the following: 
 
(a)  the names of bodies that are regulated by APRA; 
 
(b)  the addresses at which bodies referred to in paragraph (a) conduct 
business; 
 
(c)  any other information that is reasonably necessary to enable members of 
the public to contact persons who perform functions in relation to bodies 
referred to in paragraph (a). 
Note: 
A defendant bears an evidential burden in relation to the matters in subsection (7A) (see 
subsection 13.3(3) of the Criminal Code). 
 
(7B)  It is not an offence if the information, or the information contained in the 
document, as the case may be, is: 
 
(a)  a statement of APRA’s opinion as to whether or not a body regulated by 
APRA is complying, or was complying at a particular time, with a particular 
provision of a prudential regulation framework law; or 
 
(b)  a description of: 
 
(i)  court proceedings in relation to a breach or suspected breach by a 
person of a provision of a prudential regulation framework law; or 
 
(ii)  activity engaged in, or proposed to be engaged in, by APRA in relation 
to such a breach or suspected breach; or 
 
(c)  a description of action under a prudential regulation framework law that 
APRA has taken or is proposing to take in relation to: 
 
(i)  a body regulated by APRA; or 
 
(ii)  an individual who holds or has held a position with or in relation to such 
a body. 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 



Note: 
A defendant bears an evidential burden in relation to the matters in subsection (7B) (see 
subsection 13.3(3) of the Criminal Code). 
 
(7C)  If information referred to in subsection (7A) or paragraph (7B)(a) that relates to a 
body that is, or has at any time been, regulated by APRA under the 
Superannuation Industry (Supervision) Act 1993 is disclosed to the Registrar of 
the Australian Business Register established under section 24 of the A New Tax 
System (Australian Business Number) Act 1999
, the Registrar may enter the 
information in that Register. 
Note: 
A defendant bears an evidential burden in relation to the matters in subsection (7C) (see 
subsection 13.3(3) of the Criminal Code). 
 
(8)  A person who is, or has been, an officer cannot be required to disclose to a court 
any protected information, or to produce in a court a protected document, except 
when it is necessary to do so for the purposes of a prudential regulation 
framework law. 
 
(9)  If a person discloses information or produces a document under this section to 
another person, the first person may, at the time of the disclosure, impose 
conditions to be complied with in relation to the information disclosed or the 
document produced. 
 
(10)  A person is guilty of an offence if the person fails to comply with a condition 
imposed under subsection (9). 
Penalty: Imprisonment for 2 years. 
Note: 
Chapter 2 of the Criminal Code sets out the general principles of criminal responsibility. 
 
(11)  A document that: 
 
(a)  is a protected document; or 
 
(b)  contains protected information; 
is an exempt document for the purposes of section 38 of the Freedom of 
Information Act 1982

Note: 
For additional rules about personal information, see the Privacy Act 1988
 
(12)  A disclosure of personal information is taken to be authorised by this Act for the 
purposes of paragraph 6.2(b) of Australian Privacy Principle 6 if: 
 
(a)  the information is protected information and the disclosure is made in 
accordance with any of subsections (4), (5), (5AA), (6), (7A), (7B) and (7C); 
or 
 
(b) 
the information is contained in a protected document and the disclosure is 
made by the production of the document in accordance with any of those subsections. 
 
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY 
10