Commonwealth Consolidated Regulations Commonwealth Consolidated RegulationsThe amendments made by items 43 to 46 and item 48 of Schedule 1 to the Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Regulations 2018 apply on and after the day, under item 72 of Schedule 1 to the Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Act 2018 , on and after which the amendments made by Part 5 of Schedule 1 to that Act apply.