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Financial Wellbeing and Capability--commencing 1 January 2019

To support financially vulnerable individuals and families, including Indigenous Australians, by providing funding in relation to:

(a) financial and material support for people in financial crisis; and

(b) financial counselling, including online and telephone counselling; and

(c) measures to improve financial capability, including in relation to budgeting and financial literacy; and

(d) facilitating access to microfinance products, including loans, savings programs, business planning and development programs and employment development opportunities; and

(e) research and consultation activities, engagement activities and expert advice for the purposes of informing the Commonwealth on issues relating to the financial wellbeing of the Australian community, including issues relating to problem gambling;

to the extent that those measures:

(f) are with respect to postal, telegraphic, telephonic, and other like services; or

(g) are with respect to banking, other than State banking (within the meaning of paragraph 51(xiii) of the Constitution); or

(h) are to assist persons in relation to bankruptcy or insolvency; or

(i) are with respect to naturalization or aliens (within the meaning of paragraph 51(xix) of the Constitution); or

(j) are with respect to or incidental to invalid or old-age pensions (within the meaning of paragraph 51(xxiii) of the Constitution); or

(k) are with respect to or incidental to the provision of maternity allowances, widows' pensions, child endowment, unemployment benefits, sickness benefits, benefits to students or family allowances (within the meaning of paragraph 51(xxiiiA) of the Constitution); or

(l) are to assist Indigenous Australians; or

(m) are with respect to immigration or emigration; or

(n) give effect to Australia's obligations under any of the following:

(i) the Convention on the Elimination of All Forms of Discrimination against Women, particularly Articles 3 and 4;

(ii) the Convention on the Rights of Persons with Disabilities, particularly Articles 4(1)(a) and 28(2);

(iii) the Convention on the Rights of the Child, particularly Articles 4, 18(2), 19 and 27(1);

(iv) the International Covenant on Economic, Social and Cultural Rights, particularly Articles 2(1), 6(2), 9 and 11(1);

(v) the International Labour Organization's Convention concerning Employment Policy, in particular Articles 1 and 2; or

(o) are undertaken by way of grants of financial assistance to a State or Territory; or

(p) are undertaken in, or are in relation to, a Territory; or

(q) are undertaken in the exercise of the executive power of the Commonwealth.