"Lower caps on fees, for example, may have the unintended consequence of encouraging illegal lending activity – and so other policy initiatives should be trialled," the report by RMIT University academics Marcus Banks, Ashton de Silva and Roslyn Russell said.
Utilize the input text as a context reference, choose the right relationship between 'Roslyn Russell' and 'RMIT University' from the options.
Options: employer, developer, distributed by, brand