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2019-2020 THE PARLIAMENT OF THE COMMONWEALTH OF AUSTRALIA SENATE SOCIAL SECURITY (ADMINISTRATION) AMENDMENT (CONTINUATION OF CASHLESS WELFARE) BILL 2020 SUPPLEMENTARY EXPLANATORY MEMORANDUM Amendments to be moved on behalf of the Government (Circulated by the authority of the Minister for Families and Social Services, Senator the Hon Anne Ruston)Index] [Search] [Download] [Bill] [Help]SOCIAL SECURITY (ADMINISTRATION) AMENDMENT (CONTINUATION OF CASHLESS WELFARE) BILL 2020 OUTLINE These amendments change the transition from Income Management to the Cashless Debit Card in the Northern Territory to ensure that a person only moves onto the Cashless Debit Card if they choose to do so. This means Northern Territory Income Management participants will have the opportunity to choose to access the better technology and improved user experience offered by the Cashless Debit Card. Financial impact statement The financial impact of these amendments is not for publication. STATEMENT OF COMPATIBILITY WITH HUMAN RIGHTS The statement of compatibility with human rights appears at the end of this explanatory memorandum. 1
SOCIAL SECURITY (ADMINISTRATION) AMENDMENT (CONTINUATION OF CASHLESS WELFARE) BILL 2020 NOTES ON AMENDMENTS Amendment 1 removes items 3 and 4 of Schedule 1 to the Bill to ensure the disengaged youth and long-term welfare payment recipient Income Management measures continue to operate in the Northern Territory. Amendment 2 inserts a new item 49A before item 50 of Schedule 1 to the Bill. Item 49A repeals and substitutes paragraph (b) of the current definition of 'excluded Part 3B payment nominee' in section 123TC. This amendment adds 'a Part 3B payment nominee who is not a program participant under Part 3D' to the definition, to ensure that a person is not excluded from Income Management on the basis that they have a Cashless Debit Card program participant as their payment nominee. This amendment ensures consistency between Income Management and the Cashless Debit Card in relation to the participation of a person with a payment nominee. Amendments 3 to 8 amend item 74 of Schedule 1 to the Bill, which establishes the Cashless Debit Card program participant criteria for the Northern Territory. Amendments 3, 4 and 5 respectively omit proposed paragraphs 124PGE(1)(f), 124PGE(2)(h) and 124PGE(3)(g) and substitutes them with proposed new paragraphs 124PGE(1)(f), (fa) and (fb), 124PGE (2)(h), (ha) and (hb) and 124PGE(3)(g), (ga) and (gb). Substituted paragraphs 124PGE(1)(f), (2)(h) and (3)(g) establish the requirement that a person must make a request under subsection 124PGE(4A) to become a program participant under section 124PGE. This means that a person can only become a Cashless Debit Card program participant in the Northern Territory where they choose to transition from Income Management. New paragraphs 124PGE(1)(fa), (2)(ha) and (3)(ga) require that the Secretary must have given the person a notice under subsection 124PGE(5) stating that the person is a program participant under that section, and the notice must be in force. The reference to 'this section' rather than to specific subsections reflects that a person may transfer between the measures under section 124PGE, depending on their circumstances. These new paragraphs also ensure the Secretary is only required to give a notice in response to a request from a participant on a single occasion. Once the notice is issued that notice will continue to be in force for the purposes of section 124PGE, even if the person ceases to be eligible for the Cashless Debit Card, but again becomes eligible at a later date. For example, in the event that person ceases to receive an eligible payment and later recommences, they will return to the Cashless Debit Card and not Income Management. 2
New subparagraphs 124PGE(1)(fb)(i) and paragraphs (2)(hb) and 3(gb) make it a criterion that the person needs to have been subject to Income Management under a relevant provision on the day before the notice given by the Secretary under subsection 124PGE(5) came into force. This ensures that only a person who is eligible for Income Management in the Northern Territory is able to choose to transition under section 124PGE and that there is no gap between a person ceasing to be on Income Management and commencing to be a Cashless Debit Card program participant. As alternative options to subparagraph 124PGE(1)(fb)(i): subparagraph 124PGE(1)(fb)(ii) provides that a person may also be a program participant if, among other things, they were previously a program participant under subsection 124PGE(2) and a notice of a kind referred to in paragraph 124PGE(2)(d) is no longer in force in relation to the person. This will ensure that where a person ceases to be a program participant on the basis that the child protection or other Territory referral notice ceases to be in a force, the person may become a program participant under subsection 124PGE(1), if they meet the eligibility criteria for the subsection. subparagraph 124PGE(1)(fb)(iii) provides that a person may also be a program participant, if they were previously a program participant under subsection (3) but the person is no longer a vulnerable welfare payment recipient. Again, this ensures that a person who ceases to be a vulnerable welfare payment recipient may become a program participant under subsection 124PGE(1), if they meet the participant criteria for those subsections. Amendment 6 inserts new proposed subsections 124PGE(4A) and 124PGE(4B) after proposed subsection 124PGE(4). New proposed subsection 124PGE(4A) provides that a person may make a request to the Secretary to become a program participant under section 124PGE. New proposed subsection 124PGE(4B) provides that the person's request cannot be withdrawn or revoked. This provision is necessary to ensure that once a person chooses to transition from Income Management to the Cashless Debit Card they remain a program participant, providing they continue to meet the eligibility criteria. This is important as under proposed subsections 123UP(4) and (5), a person who usually resides in the Northern Territory cannot return to Income Management once they have chosen to transition to the Cashless Debit Card. Amendment 7 omits the words 'subsection (1), (2) or (3)' and substitutes 'this section' in existing proposed subsection 124PGE(5). In conjunction with Amendments 3, 4 and 5, this amendment recognises that a person may, from time-to-time, be a Cashless Debit Card program participant under subsections 124PGE(1), (2) or (3) depending on their circumstances. This amendment will also ensure that the Secretary's notice needs to be given only once in order for a person to fulfil the criteria for program participation under subsection 124PGE(1), (2) or (3). 3
Amendment 8 adds new proposed subsection 124PGE(8) which provides that if a person makes a request under subsection 124PGE(4A), or the Secretary gives a person a notice under subsection 124PGE(5) and has not revoked the notice, the continuity of the request or notice is not affected by the person ceasing to be a program participant under subsection 124PGE(1), (2) or (3) for a period. This subsection recognises that a person may, from time-to-time, be covered by or move between the different Cashless Debit Card program participant measures established under subsections 124PGE(1), (2) and (3). It also ensures that the person's request, or Secretary's notice, only needs to be given once in order to fulfil the relevant criteria. 4
Statement of compatibility with human rights STATEMENT OF COMPATIBILITY WITH HUMAN RIGHTS Prepared in accordance with Part 3 of the Human Rights (Parliamentary Scrutiny) Act 2011 SOCIAL SERVICES LEGISLATION AMENDMENT SOCIAL SECURITY (ADMINISTRATION) AMENDMENT (CONTINUATION OF CASHLESS WELFARE) BILL 2020 These amendments are compatible with the human rights and freedoms recognised or declared in the international instruments listed in section 3 of the Human Rights (Parliamentary Scrutiny) Act 2011. Overview of the Bill This Bill provides for the transition of Income Management to the Cashless Debit Card in the Northern Territory and Cape York region and establishes the Cashless Debit Card as an ongoing measure in all existing sites. These amendments change the transition from Income Management to the Cashless Debit Card in the Northern Territory to ensure that a person only moves onto the Cashless Debit Card if they choose to do so. This means Northern Territory Income Management participants will have the opportunity to choose to access the better technology and improved user experience offered by the CDC. Human rights implications The Parliamentary Joint Committee on Human Rights conducted a review of the Social Services Legislation Amendment (Cashless Debit Card) Bill 2017, which notes that the Cashless Debit Card engages and limits three human rights: the right to social security, the right to a private life and the right to equality and non-discrimination. These rights, and a number of other specific human rights, are addressed in turn below. Objectives The objectives of the Cashless Debit Card, set out in Part 3D of the Social Security (Administration) Act 1999 (the Act), are to: (a) reduce the amount of certain restrictable payments available to be spent on alcoholic beverages, gambling and illegal drugs; (b) support program participants and voluntary participants with their budgeting strategies; and (c) encourage socially responsible behaviour. 1
Statement of compatibility with human rights In other words, the Cashless Debit Card program has the objective of reducing immediate hardship and deprivation, reducing violence and harm, encouraging socially responsible behaviour, and reducing the likelihood that welfare payment recipients will remain on welfare and out of the workforce for extended periods of time. The consumption of alcohol and drugs and partaking in gambling at harmful levels can negatively impact on a person's ability to work and meet the needs of any children, and can lead to long-term welfare dependency. The primary purpose of the Cashless Debit Card program is to reduce harm at a community level from the use of harmful products such as alcohol, illicit drugs and gambling. A flow-on impact of providing this tool to help address these issues is that participants are able to stabilise their lives, leading to an increased ability to participate in the workforce. The first independent evaluation of the Cashless Debit Card Trial by ORIMA Research was released on 1 September 2017, and included results from the first two trial sites, Ceduna, South Australia, and the East Kimberley, Western Australia. It found that the Cashless Debit Card has had a 'considerable positive impact' in the communities where it has operated. The evaluation also concluded that the trial 'has been effective in reducing alcohol consumption and gambling in both trial sites and [is] also suggestive of a reduction in the use of illegal drugs', and 'that there is some evidence that there has been a consequential reduction in violence and harm related to alcohol consumption, illegal drug use and gambling.' Results found that 41 per cent of participants surveyed who drank alcohol reported drinking less frequently; 48 per cent of participants surveyed who used drugs reported using drugs less frequently; and 48 per cent of those who gambled before that trial reported gambling less often. A baseline data collection in the Goldfields, Western Australia, undertaken by the University of Adelaide, was released on 21 February 2019. The report measured socioeconomic conditions prior to the introduction of the card, and the community's initial perceptions of the Cashless Debit Card immediately following implementation. Many respondents reported a reduction in levels of substance misuse, a decrease in alcohol-related antisocial behaviour and crime, improvements in child welfare, and improvements in financial literacy and management. The University of Adelaide is also currently undertaking a second impact evaluation of Ceduna, the East Kimberley, and the Goldfields. This is in line with the Government's commitment to ensure the Cashless Debit Card is meeting its objectives of promoting positive outcomes for communities and responsible spending of welfare money. Establishing the Cashless Debit Card as an ongoing measure allows these communities to continue experiencing positive outcomes and a reduction in the social harm caused by alcohol, drug and gambling misuse. 2
Statement of compatibility with human rights Providing Income Management participants in the Northern Territory with the choice to transition to the Cashless Debit Card provides access to improved technology, greater flexibility and consumer choice. General safeguards The Cashless Debit Card program aims to support communities where high levels of welfare dependence coexist with high levels of social harm by limiting the amount of welfare payment available as cash in a community. It does not affect people according to race, religion, ethnicity or any other factor. It is not a punitive measure, nor is it designed to stigmatise people. It aims to ensure that income support payments are spent in the best interests of welfare payment recipients and their dependents, and in line with community expectations. A number of general safeguards that help to protect human rights have been incorporated into the operation of the Cashless Debit Card. Firstly, the rollout of the Cashless Debit Card has been and continues to be the subject of an extensive community consultation and engagement process. Secondly, evaluations show that the Cashless Debit Card is working, with a range of evidence showing the program has had a positive impact for participants and communities. The purpose of the CDC evaluations is to further develop the evidence base, to better understanding what works, for whom, and in what context so that continued improvements can be made to the CDC program. Various reviews of the trial have been completed to date, including a first impact evaluation into the Ceduna and East Kimberly sites, and a baseline data collection in the Goldfields region. Future evaluation and data monitoring activities will further strengthen the evidence base and guarantee that participants, their families and the wider community continue to receive ongoing support. The right to social security Article 9 of the International Covenant on Economic, Social and Cultural Rights (ICESCR) recognises 'the right of everyone to social security, including social insurance'. The United Nations Committee of Economic, Social and Cultural Rights (the UN Committee) has stated that implementing this right requires a country, within its maximum available resources, to provide 'a minimum essential level of benefits to all individuals and families that will enable them to acquire at least essential health care, basic shelter and housing, water and sanitation, foodstuffs, and the most basic form of education'. 3
Statement of compatibility with human rights Across all Cashless Debit Card program areas, the right to social security is limited only in the participant's ability to use a proportion of their payment to purchase harmful goods, in an area where there are demonstrated high levels of community harm. In Cashless Debit Card communities, support from leaders is driven by the view that the program can help address this harm, particularly where dependence is also high. These amendments do not detract from the eligibility of a person to receive welfare, nor reduce the amount of a person's social security entitlement. Rather, there is a limitation on how payments can be spent and provides a mechanism to ensure that certain recipients of social security entitlements are restricted from spending money on alcohol, gambling and drugs. Further, the Bill does not introduce a new area to welfare quarantining arrangements. Rather, the Bill establishes the Cashless Debit Card as an ongoing program in existing sites. The Cape York region will be transitioned from an Income Management to a Cashless Debit Card location, and Income Management participants in the Northern Territory will be provided the opportunity to transition to the Cashless Debit Card.. Under both the IM regime and the CDC program, portions of social security payments received by a participant are quarantined, and the participant is unable to purchase restricted goods or withdraw cash using this portion. IM participants have between 50 and 90 per cent of their payment quarantined, according to the participant's specific measure. Participants transitioning from the IM regime to the CDC program will get to keep their existing quarantine rate. The benefits of the CDC program include a more streamlined approach to welfare quarantining, the use of improved technology, and fewer restrictions on purchases that allow participants to shop from a wide variety of sellers, including online retailers, thereby increasing a participant's ability to spend their welfare payments to meet their essential needs. Businesses that sell restricted items can serve participants where they have systems in place that do not allow for the sale of such products to holders of a Cashless Debit Card. These limitations are necessary to ensure that restricted products cannot be purchased with the restrictable portion of a participant's social security payment. Without the diversion of social security payments into a restricted bank account, welfare quarantining would not be possible and the objectives of the Cashless Debit Card, outlined above, could not be met. The restricted bank account functions like a standard, mainstream bank account. This serves to minimise restrictions on the way social security is received. The Cashless Debit Card itself is a standard Visa debit card that can be used at the majority of merchants that accept EFTPOS payments. The account allows for a range of flexible payment options including online transfers, BPAY, online shopping and recurring deductions. As well as accessing these services online, a mobile application has been developed for 4
Statement of compatibility with human rights use on smartphones. There are also two hotline services operated by the card provider and Services Australia to provide technical and practical support for participants. Given the objectives of the Cashless Debit Card program, the prevalence of social harm in the areas these schemes operate, any limitation on the right to social security is reasonable and proportionate. The right to a private life The impact of the program on the right to a private life and privacy has previously been raised. Article 17 of the International Covenant on Civil and Political Rights sets out the right to a private life. It prohibits arbitrary or unlawful interferences with an individual's privacy, family, correspondence or home. The Cashless Debit Card program seeks to achieve the legitimate objective of reducing immediate hardship and deprivation, reducing violence and harm, encouraging socially responsible behaviour, and reducing the likelihood that welfare payment recipients will be subject to harassment and abuse in relation to their welfare payments. By reducing a person's choice in how and where they access and spend their social security payments, the Cashless Debit Card limits the right to a private life. The Cashless Debit Card program is targeted to communities where high levels of welfare dependence exist alongside high levels of social harm. This limitation on the right to a private life is directly related to the objectives of reducing such harm. This is because the limitations put in place restrict transactions at businesses selling goods that contribute to such harm. Therefore, the limitation that is placed on the right to a private life with the Cashless Debit Card is directly related to improving the welfare of the recipient and any dependents. The Cashless Debit Card program also engages the right to privacy. Section 124PN of the Act allows the disclosure of information to the Secretary by a financial institution. Section 124PN does not provide a blanket exemption from privacy laws. It merely allows the sharing of information necessary for the operation and evaluation of the Cashless Debit Card program. As a result, there are still safeguards in place to protect individual privacy. Any information collected by the Department of Social Services (the Department) or Services Australia will be protected information that is subject to the secrecy provisions in the Act. Both Government and the card provider are required to act in accordance with the Privacy Act 1988, more generally, and the Australian Privacy Principles (APPs). The APPs set out strict rules around how personal information can be used. For example, they prohibit the disclosure of personal information for direct marketing. Notably, under the Cashless Debit Card, the Government cannot see what items or products people are purchasing, only the merchants in which the money is being spent. 5
Statement of compatibility with human rights The section seeks to enable the Cashless Debit Card program to achieve a legitimate objective and is necessary for the program to operate and be evaluated effectively. In order to establish bank accounts for participants, Services Australia must transfer customer information to the card provider. The card provider in turn provides new account details back to Services Australia. While the Cashless Debit Card program is operating, the card provider must also transfer information about participants to the Department. The Department uses this information to run and evaluate the program. Without this sharing of information, new accounts cannot be set up and so the Cashless Debit Card program could not proceed. Proposed section 124POA of the Bill establishes information disclosure provisions for the disclosure of information. The purpose of disclosures by the Secretary under this provision is to ensure that the Cashless Debit Card program is properly administered and appropriate information can be shared about a participant to provide protective support. Any limitation on a person's right to privacy is reasonable and proportionate given the extensive social harm discussed above under the section titled 'Objectives'. There are also effective community safeguards over the extent of the restrictions imposed. The rights of equality and non-discrimination The rights of equality and non-discrimination are provided for in a number of the seven core international human rights treaties to which Australia is a party, most relevantly the International Covenant on Civil and Political Rights (ICCPR) and the Convention on the Elimination of All Forms of Racial Discrimination (the CERD). In particular, article 5 of the CERD requires parties 'to prohibit and eliminate racial discrimination in all its forms and to guarantee the right of everyone, without distinction as to race, colour or national or ethnic origin, to equality before the law, notably in the enjoyment of' the right to ... 'social security and social services' (article 5(e)(iv)). Discrimination is impermissible differential treatment among persons or groups that results in a person or a group being treated less favourably than others, based on a prohibited ground for discrimination, such as race. However, the UN Human Rights Committee has recognised that 'not every differentiation of treatment will constitute discrimination, if the criteria for such differentiation are reasonable and objective, and if the aim is to achieve a purpose which is legitimate under the Covenant'. The rights to equality and non-discrimination are not directly limited by the Cashless Debit Card. The program is not applied on the basis of race or cultural factors. Locations for the program have been chosen based on objective criteria. This includes high levels of welfare dependence and community harm, as well as the outcomes of comprehensive community consultation. 6
Statement of compatibility with human rights Anyone residing in locations where the Cashless Debit Card program operates, receiving a payment and being of a certain age as specified by instrument or legislation, will become a Cashless Debit Card program participant. The Cashless Debit Card program is therefore not targeted at people of a particular race, but to welfare recipients who meet particular criteria. In addition, this Bill extends the operation of the Cashless Debit Card in existing sites. Right to be free from self-incrimination Article 14(3)(g) of the ICCPR protects the right of an individual to be free from self-incrimination in the determination of a criminal charge by providing that a person may not be compelled to testify against him or herself or confess guilt. The privilege against self-incrimination may be subject to permissible limits. Any limitations must be for a legitimate objective and be reasonable, necessary and proportionate to that objective. The right to privilege against self-incrimination can be revoked where a statutory body is authorised to compel individuals to produce information, which may incriminate that individual. The proposed amendment to paragraph 192(db), to extend the powers to Part 3D of the Act, seeks to achieve the legitimate objective of investigating the operation of the Cashless Debit Card including to determine whether a person is or should be a Cashless Debit Card participant or how payments are administered. There is not a less restrictive investigative technique available that provides the same information-gathering purpose and requiring program participants to provide information voluntarily is unlikely to be effective. Compelling a person to provide information under this section is reasonably capable of achieving the stated aim of investigating the effective operation of welfare payments and the Cashless Debit Card program. Section 197A excludes information given on a compulsory basis from being admissible in criminal proceedings (except for proceedings in respect of giving false or misleading information). Items 43 and 46 of the Bill operates to limit the right to be free from self-incrimination by expressly removing the privilege against self-incrimination in relation to the production or disclosure of information specific to the program or voluntary participant. This is necessary to ensure that the Department can check the records (required to be kept by law) to verify that a person is receiving whole or part of certain welfare payments and therefore subject to welfare quarantining under the Act. Allowing a claim of privilege in relation to such information would be contrary to the purpose of the legislation, as the production of this disclosed information is directly relevant to the operations of Part 3D under the Act. These provisions are in place to ensure the due performance of functions or exercise of powers provided for under legislation. Items 43 and 46 of the Bill also provide for collection, storage, use or disclosure of other personal information, removing the privilege against self-incrimination which represents a loss of personal liberty for a welfare 7
Statement of compatibility with human rights recipient whose information (whether they are a program participant or voluntary participant) is shared between the Secretary and community bodies. The limitations discussed above are reasonable, necessary and proportionate to achieving the objectives of the Cashless Debit Card program as they enable the Secretary to ascertain the fact regarding the circumstances of program participants. By modifying the application of the privilege against self-incrimination, the Bill ensures that it is the public interest to ensure the effective functioning of the Cashless Debit Card program and support participants to improve their financial management practices more generally. The right to self-determination Article 1 of the ICESCR states that 'all peoples have the right of self-determination. By virtue of that right they freely determine their political status and freely pursue their economic, social and cultural development'. Under the Cashless Debit Card program, people are able to spend their restricted funds on any goods or services except alcohol, gambling and illicit drugs due to having less access to discretionary cash. The limitation on these products and services ensures that vulnerable people are protected from abuse of these substances, and any associated harm and violence. The Cashless Debit Card becoming an ongoing measure will not impact on or interfere with a person's right to pursue freely their economic, social or cultural development. Providing Income Management participants in the Northern Territory with the choice to transition to the Cashless Debit Card or remain on Income Management provides people with greater freedom to pursue their economic development. The right to an adequate standard of living Article 11(1) of the ICESCR states that everyone has the right to 'an adequate standard of living for himself and his family, including adequate food, clothing and housing, and to the continuous improvement of living conditions' and that 'appropriate steps' be taken to 'ensure realisation of this right'. Further to this, article 11(2) of the ICESCR states that 'measures, including specific programmes,' should be taken in 'recognising the fundamental right of everyone to be free from hunger'. 8
Statement of compatibility with human rights The Cashless Debit Card program does not limit the right to an adequate standard of living for affected people. Under the Cashless Debit Card program, people are able to use restricted funds to access any goods and services with the exception of alcohol and gambling products, or 'cash-like' products that could be used to obtain alcoholic beverages or gambling, with the aim of reducing abuse of these goods and services and associated harm and violence. The Cashless Debit Card program does not restrict a person's access to the essential goods and services required to maintain an adequate standard of living. Access to some discretionary cash is available to ensure that people can still participate in cash economies to purchase items that contribute to an adequate standard of living. The rights of children By ensuring that a portion of welfare payments is available to cover essential goods and services, welfare quarantining through the use of a Cashless Debit Card can improve living conditions for the children of welfare recipients. An independent evaluation conducted by ORIMA Research in 2017 showed that the Cashless Debit Card trial had a considerable positive impact in reducing the harms related to the misuse of alcohol, drugs and gambling. The evaluation also found several widespread spill-over benefits, including 40 per cent of the participants surveyed were better able to look after their children and 45 per cent were better able to save money. There was also a decrease in requests for emergency food relief and financial assistance in Ceduna and merchants reported in increased purchases of baby food, clothing and other goods for children. The Department commissioned the Future of Employment and Skills Research Centre (FES) at the University of Adelaide to undertake an independent collection of baseline data from trial participants to allow an assessment of the conditions in the Goldfields region around the time of the rollout of the Cashless Debit Card program. The findings of participants taking part in the study reported positive impacts relating to improvements in child welfare and wellbeing. These improvements in child wellbeing were as a result of the changes in spending patterns with the introduction of the Cashless Debit Card, which led to children in the region having an increase in the provision of food, being suitability clothed in and out of school, improved access to toys such as bikes and scooters as well as having better general health and hygiene attributable to receiving access to vital medical treatment. Therefore, measures used to restrict payment spent on alcohol, drugs and gambling by each participant on the Cashless Debit Card program can be used to advance the right of children to the highest attainable standard of health and the right of children to adequate standards of living (articles 24, 26 and 27 of the Convention on the Rights of the Child, respectively). Conclusion The Bill is compatible with human rights. Establishing the Cashless Debit Card as an ongoing measure, establishing the Cape York region as a 9
Statement of compatibility with human rights Cashless Debit Card location and providing Income Management participants in the Northern Territory with the choice to transition to the Cashless Debit Card will advance the protection of human rights by ensuring that welfare payments are spent in the best interests of welfare recipients and their dependents by restricting spending on alcohol, drugs and gambling. To the extent that the Bill will limit human rights, those limitations are reasonable, necessary and proportionate to achieving the objectives of the welfare quarantining measures. The Cashless Debit Card program aims to reduce immediate hardship and deprivation, reduce violence and harm, encourage socially responsible behaviour, and reduce the likelihood that welfare payment recipients will remain on welfare and out of the workforce for extended periods of time. Circulated by the authority of the Minister for Families and Social Services, Senator the Hon Anne Ruston 10