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RLC welcomes the opportunity to respond to the inquiry, noting it will focus on the more covert forms of racism embedded in systems and institutions, rather than only overt incidents. Given RLC's expertise, the submission addresses Terms of Reference 5 and 6. RLC is based in Redfern, NSW, and while some services are catchment-based locally, others are statewide; it doesn't provide legal services outside NSW but does advocate on laws and policies more broadly, including federal ones. The submission draws on NSW casework and was prepared in consultation with ACCOs and First Nations leaders, including Louise Hammond ("Aunty Lou," CEO of MYRC), and clients whose case studies are included.
Legal self-help

This factsheet outlines key warning signs, practical tips to avoid scams, and the steps to take if you lose money or share personal information, including reporting and support options.
Legal self-help

This factsheet explains your basic rights and responsibilities if you are stopped by police while driving. It outlines when police can pull you over, what information you must provide, and your rights during searches, testing, and other interactions. It provides general information and is not a substitute for legal advice
Legal self-help

Financial hardship happens when unexpected events make it hard to pay bills or loans on time. You can ask your lender for a hardship variation, such as reduced or delayed repayments, paused interest, or waived fees. If your lender refuses, you can continue paying what you can and challenge the decision through the lender’s complaint process or the free Australian Financial Complaints Authority (AFCA). Lenders must follow responsible lending laws, and if they gave you a loan you couldn’t afford, you may be entitled to have it changed, partially or fully written off, or receive compensation. This factsheet provides guidance but is not legal advice.
Legal self-help

This factsheet provides information about the options available to you if you are experiencing financial hardship.

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