By Australia Parliamentary Joint Committee on Corporations and Financial Services

This report examining financial abuse in Australia provides a comprehensive analysis of the issue, identifies key challenges within legislation, regulation, and financial institutions, and puts forward 61 recommendations to prevent and mitigate financial abuse.

The report highlights that financial abuse is a widespread issue with a direct cost to victims estimated at $5.7 billion—a figure higher than Australia's total scam losses in 2023.

It calls for legislative amendments, enhanced support services for victims, improved identification and response mechanisms within financial institutions, and greater collaboration between government agencies and stakeholders.

Key findings

Financial abuse is a prevalent issue in Australia, often occurring alongside other forms of domestic and family violence.

The financial toll on victims of financial abuse is estimated at $5.7 billion.

Current legislative and regulatory frameworks have significant gaps.

Financial institutions have made some progress in implementing measures to address financial abuse but require further action to provide comprehensive support for victims.

The rise of online financial platforms presents both opportunities and challenges in tackling financial abuse.

Vulnerable groups, including older Australians, people from culturally and linguistically diverse backgrounds, and those in regional and remote areas, face unique challenges and barriers in accessing support and protection from financial abuse.

Key recommendations

Establish a mechanism for co-design with victim-survivors of financial abuse in developing reforms to mitigate the prevalence and impact of financial abuse.

Amend the National Consumer Credit Protection Act 2009 to recognise the unique threats posed by financial abuse and strengthen protections for victims.

Review the intersection between financial abuse and the superannuation system.

Implement a mandatory requirement for providers of financial services, products, and government agencies to include a "quick exit" button on webpages.

Co-design standard operating guidelines for the referral of reasonably suspected financial abuse to financial institutions.

Amend the Social Security Act 1991 to remove the requirement for victims to have left their home to qualify for crisis support payments, lengthen the application time frame for crisis payments, and ensure access to "special circumstances" waivers for victims subjected to perpetrator manipulation.

e Senate Printing Unit, Parliament House, Canberra, 2024, 230p.

By: Dr. Hilal Özcebe, Dr. Sutay Yavuz, Hacer Taşcene, and Dr. Sinan Türkyılmaz

Around the world, women and girls are victims of countless acts of violence. The range of gender-based violence is devastatingly endless, occurring quite literally from womb to tomb. Violence against women and girls occurs in every segment of society – regardless of class, ethnicity, culture, or country.

While you are reading this text, many millions of women around the world will experience the trauma of violence and abuse. It is estimated that 1 in 3 women throughout the world suffer this violence during her lifetime. The same figure for EU countries is 1 in 5. Women in Turkey face violence like women in many other countries; the latest survey shows that 2 in 5 women have been exposed to physical violence. In the same research, 42 percent of women have been exposed to physical and sexual violence, and 44 percent of women have been exposed to emotional violence or abuse. All of these were caused by their husbands or partners.

Over the past 30 years, increasingly gender-based violence has been recognized both in Turkey and worldwide. One of the newest and most comprehensive international instruments to combat violence against women is “Council of Europe Convention on Preventing and Combating Violence against Women and Domestic Violence (Istanbul Convention)” which was built on the 4P principle of ‘Prevention, Protection, Prosecution, and Policy’. For many years all the interventions to combat VAW have been mostly built around the protection and prosecution. However policy development and prevention are the weakest links of the combating interventions. Among the prevention interventions the most excluded groups have been the youth and children. As it is indicated in some research, children and the youth are the two groups who have been the silent victims of violence within the family even they are not the subject of direct violence. However it is also known that violence is an act that is learnt and to prevent violence against women, the interventions should be started in the early childhood.

Increased rates of violence worldwide have heightened the need to understand what children think about their experiences as victims or witnesses of violence. Much has been written about children and violence, but less has been written from the viewpoint of the children themselves. Without knowing their experience and perception it is impossible to develop any intervention to prevent violence against women regarding to early ages of youth.

This research which is the first in its area had been conducted to understand the perception of school age youth (ages between 11-17) on violence against women and gender inequality which is the root cause of the act. Upon the results of this research UNFPA with the relevant partners will develop prevention interventions for the school age children.

As UNFPA we would like to thank to the researchers, Prof. Dr. Hilal Özcebe, Assoc. Prof. Dr. Sinan Türkyılmaz, Assoc. Prof. Dr. Sutay Yavuz and Hacer Taşçene and the interview team for conducting this special qualitative research. We would also convey our gratitude to all the government officials, school principals and teachers who supported us in Ankara, Aydın and Erzurum.

Population Association (Turkey) and United Nations Population Fund - UNFPA November 2013

By Jennifer E. Storey, Afroditi Pina, and Cherise S. Williams

Victims of stalking suffer severe and varied impacts requiring assessment and treatment. Research to inform support is limited. This study examines a national sample of stalking victims to identify the types and prevalence of impact reported and the predictors of impact. A secondary analysis of 258 stalking cases reported to a stalking charity was conducted. Four categories of victim reported impact were coded; psychological and substance abuse, physical health, practical impact on life, and impact on others. Stalking duration, severity, the diversity of stalking behaviors, and the relationship between the victim and perpetrator were investigated as predictors of impact. In all, 48 types of impact were identified with victims experiencing an average of four types. Psychological impact was the most prevalent (91.5%). Several new forms of impact were identified including a variety of impacts on persons known to the victim (e.g., children, friends) in 35.3% of the sample. Increased diversity of stalking behavior was predictive of impact in all models (explaining 11% of the variance in total impact scores), except for physical impact which was not analyzed due to low prevalence. Stalking impact was prevalent and varied, suggesting that victims (and potentially those close to them) require trauma-informed support from clinicians. Future research should include the development of a stalking impact index to improve the consistency of research and clinical assessment of need.

Canterbury, UK: Journal of Interpersonal Violence, 2023. 26p.

By The World Health Organization

This report focuses on the interpersonal violence that accounts for most acts of violence against children, and includes child maltreatment, bullying and other types of youth violence, and intimate partner violence (1). Although childhood exposure to interpersonal violence can increase the risk for subsequent selfdirected violence (including suicide and self-harm) (2) and the likelihood of collective violence (including war and terrorism) (3) – and similar root causes underlie all three forms of violence (3,4) – these forms of violence are not covered by the report.

Geneva, SWIT: WHO, 2020. 352p.

By Nancy Lombard and katy Proctor

Scotland’s record of accomplishment in tackling issues such as stalking and coercive control has been identified as an exemplar. Most recently, the Domestic Abuse Scotland Act (2018) was implemented which for the first time recognised a coercively controlling course of conduct as the crime of Domestic Abuse, possibly indicating a more empathetic and understanding criminal justice system. However, it is important to recognise that despite victim-centred policies and legislation, institutional criminal justice processes can diminish their impact. As such, victims can feel disempowered and controlled simultaneously by the bureaucracy in which they find themselves and by the continued abuse of the perpetrator. Therefore, this research explored whether the Scottish Criminal Justice System facilitates the empowerment of the victims who access its support or exacerbate their disempowerment.

The aim of this study was to explore the lived experiences of victims of coercive control and/or stalking as they navigated the criminal justice system.

Glasgow: SCCJR - The Scottish Centre for Crime and Justice Research, 2023. 72p.

Aaron Chalfin, Benjamin Hansen and Rachel Ryley

For nearly every crime there is a victim. However, the vast majority of studies in the economics of crime have focused the causal determinants of criminality. We present novel evidence on the causal determinants of victimization, focusing on legal access to alcohol. The social costs of alcohol use and abuse are sizable and well-documented. We find criminal victimization — for both violent and property crimes — increases noticeably at age 21. Effects are not present at other birthdays and do not appear to be driven by a “birthday celebration effect.” The effects are particularly large for sexual assaults, especially those that occur in non-residential locations. Our results suggest prior research which has focused on criminality has understated the true social costs associated with increased access to alcohol.

Journal of Human Resources. Vol. 58, Issue 6. 1 Nov 2023

By Heather Nancarrow, Kate Thomas, Valerie Ringland, Tanya Modini

When police are called to an incident of domestic and family violence (DFV), one of their tasks under DFV law is to determine whether a party is in need of protection from future harm. A concern that has arisen out of the application of DFV law is the inappropriate use of legal sanctions, in particular protection orders, against women who use violence in response to violence perpetrated against them. This often occurs where there are conflicting claims of abuse and can result in cross-applications and cross-orders for protection.

This research project focused on identifying areas of improvement in police and court practice in relation to identifying the person most in need of protection, taking account of an ongoing pattern of abuse characterised by coercive control.

Key findings:

• Women—especially Aboriginal and Torres Strait Islander women—are being misidentified as perpetrators on protection orders and the effects of this are far-reaching.

• Police culture impacts on the accurate identification of the aggrieved/respondent, for example, through pervasive, stereotypical assumptions about victim behaviour. Police practice also focuses on single incidents of visible or physical violence, which compromises the intent of DFV legislation to provide protection from future harm (by identifying patterns of coercive control).

• Police sometimes err on the side of caution in making applications, deferring to the magistrate to determine if an order is warranted. However, magistrates in turn may rely on the initial assessments made by police, as may prosecutors. This can create a pinball effect where each decision-maker defers to another’s assessment of the appropriateness of an order. Accordingly, this means that accountability for that assessment is unclear.

• Perpetrators use a range of tactics of systems abuse, such as making false allegations, which can result in inaccurate identification of the person most in need of protection. Once a woman has been identified as a perpetrator, this can then also be used a tool for systems abuse by perpetrators (for example, through threats to call the police).

Key recommendations:

• Create guidance for police on identifying patterns of coercive control.

• Improve processes of decision-making and accountability between police and courts.

• Create guidance for magistrates on how and when they can dismiss inappropriate applications and/or orders

Sydney: ANROWS, Australia’s National Research Organisation for Women’s Safety 2020. 134p.

By Leesa Hooker, Emma Toone, Sarah Wendt, Cathy Humphreys, Angela Taft

When it comes to recovery from the trauma and harm of intimate partner violence (IPV), the evidence base shows a need for early intervention and responses that include women and their children. This research report provides findings from a pilot evaluation project examining the effectiveness of an early intervention therapeutic model, child–parent psychotherapy (CPP), designed for young children and their mothers experiencing trauma, including IPV. This therapeutic model was developed in the United States as a model of care for mothers and their children to enhance relationships and reduce trauma. This report’s findings aim to inform future trialling and expansion of CPP nationally.

With this aim in mind, the researchers tested the feasibility of CPP in the Australian context, assessed therapist fidelity to the model, and evaluated its effectiveness at improving the health and wellbeing outcomes of women and their children. The evaluation used a small-scale, multisite pilot featuring 18 mother–child dyads and 11 community-based clinical sites in both urban and regional locations in Victoria and South Australia.

The researchers found that the small-scale pilot was promising, reporting the mother–child therapy model to be feasible in the Australian context. Positive outcomes were reported for mothers and children, including increased parental warmth and improved child emotions and behaviours. Women also experienced less IPV post-intervention. Clinicians who adhered most to the model were also better able to build relationships with women and their children and convey a sense of hope. Importantly, the impacts of the COVID-19 pandemic highlighted the overwhelming demand for evidence-based relational, child–parent, and young child-focused therapy like CPP, particularly in rural areas.

This research contributes to a better understanding of the service needs of women and children impacted by IPV, particularly the role of recovery interventions in buffering the long-term effects of IPV on families and developing children.

ANROWS - Australia's National Research Organisation for Women's Safety, 2022. 44p.

By Emma Russell, Hui Zhou, Gabriela Franich

This report documents how women experiencing domestic and family violence (DFV) are policed and criminalised. It presents findings from a research project conducted by Fitzroy Legal Service (FLS) in partnership with La Trobe University with the support of a Victorian Law Foundation Knowledge Grant (2020-21). The research aimed to identify how women who experience a range of social, economic, health and legal issues – including but not limited to DFV – become caught up in the criminal legal system.1 Investigating this point of overlap or interchange between social, financial, health or civil matters on the one hand, and criminal legal matters on the other, can help practitioners and policy strategists to explore the opportunities for systemic changes and collaborative support models that would prevent women’s criminalisation. Our use of the term women is inclusive of both cis and trans women. By using the term criminalisation, we hope to draw attention to the processes and mechanisms through which social problems come to be treated as criminal legal problems; and to highlight that there are alternatives. To investigate the relationships between criminalisation and women’s experiences of social, economic, health and/or civil legal issues, we adopted three methods of data collection and analysis: • the review and classification of 108 anonymised Fitzroy Legal Service client case files relating to women with criminal legal matters • the retrieval of publicly available statistical data on women in prison and women respondents on intervention orders • the thematic analysis of semi-structured interviews with 11 legal and social service practitioners with current experience of working with criminalised women These methods generated rich quantitative and qualitative data on the policing and criminalisation of women, especially women experiencing DFV and allowed us to identify opportunities for systemic changes that would prevent criminalisation. Much of what we found has already been spoken and written about at length by women and gender diverse people with lived experience of imprisonment.2 We intend for this research to supplement their expertise and lend further evidence to their campaigns and calls for action. By triangulating the data gathered and analysed through the methods above, this report explores the following questions and main findings, outlined in Table 1

Melbourne: Fitzroy Legal Service, 2022. 44p.

By Amy Young, Jennifer Boddy, Patrick O’Leary and Paul Mazerolle

Domestic and family violence (DFV) remains one of the most challenging social problems. Approximately one in six Australian women has experienced physical or sexual violence perpetrated by a current or former intimate partner, while one in four women has experienced emotional abuse (Australian Institute of Health and Welfare 2019). Recent government inquiries into DFV in Queensland and Victoria have called for greater focus on intervention and justice responses for perpetrators (State of Victoria 2016; Women’s Safety and Justice Taskforce 2021). Both inquiries highlight the inadequacy of programs to hold perpetrators accountable and the need to expand the range of evidence-based intervention options.

Trends & Issues in Crime and Criminal Justice No. 676. Canberra: Australian Institute of Criminology, 2023. 16p.

By Alexandra Thompson; Susannah N. Tapp

This report is the 50th in a series that began in 1973 and includes statistics on nonfatal violent crimes (rape or sexual assault, robbery, aggravated assault, and simple assault) and property crimes (burglary or trespassing, motor vehicle theft, and other types of household theft). The report also describes the characteristics of crimes and victims. See BJS's National Crime Victimization Survey (NCVS) Dashboard (N-DASH) Tool to access more NCVS data.

Highlights:

• The violent victimization rate increased from 16.5 victimizations per 1,000 persons in 2021 to 23.5 per 1,000 in 2022.

• From 1993 to 2022, the overall rate of violent victimization declined from 79.8 to 23.5 victimizations per 1,000 persons age 12 or older.

• In 2022, about 2 in 5 (42%) violent victimizations were reported to police.

• Motor vehicle theft victimization increased from a rate of 4.3 victimizations per 1,000 households in 2021 to 5.5 per 1,000 in 2022.

Washington, DC: U.S. Department of Justice Office of Justice Programs Bureau of Justice Statistics , 2023. 34p.

By The San Francisco Domestic Violence Death Review Team

This Domestic Violence Death Review Team (DVDRT) Pilot was created under the provisions of the California Penal Code 11163.3, in order to fulfill a commitment to review domestic violence-related fatalities, strengthen system policies and procedures, and identify prevention strategies that will reduce future incidents of domestic violence-related injuries and deaths. The DVDRT fulfills a need in San Francisco, as the city lacks staffing for a dedicated Death Review Team. This DVDRT Pilot provides an overview of the DVDRT process and methodology for their investigation into a murder case from October 2014; it lays out details of the event as well as DVDRT’s analysis of evidence and case-related data, and notes the aspects of the event that the DVDRT focused on include: computer-aided dispatch (CAD) systems; real-time assistance for police officers in crime scene evaluation; broad interaction and information gathering; the ability of the police department to enforce physical separation when physical violence has occurred; custodial treatment of intoxicated individuals; real-time assistance for police from domestic violence advocates; providing closure and well-being assistance to 911 call-takers and dispatchers; availability and use of body-worn video (BWV) cameras; and in multiple responses to the victim’s address, the efficient and thorough transfer of information to later-responding officers.

San Francisco: The Review Team, 2023. 57p.

By Claire Ferguson and Freya McLachlan

Links between IPF and homicide concealment have been observed but not explained. We theorize IPF perpetrators use concealment to continue coercively controlling investigators, children, courts and finances post-IPF. We compare abuse in the relationship and surrounding IPF in five diverse cases. Facilitated by concealment, offenders use versatile, subtle and overt tactics to extend control post-IPF. They capitalize on opportunities for concealment and regaining control, sometimes without other benefits. Tactics are akin to those employed previously, aligning with the power and control wheel. Concealment allows offenders to dominate the death narrative and assists with remaining unaccountable.

Feminist Criminology 2023, Vol. 0(0) 1–23

By Jens Ludwig

The purpose of this project, a collaboration between the University of Chicago Crime Lab and the New York City Police Department, was to develop and test a novel machine-learning based statistical model to predict the risk of domestic-violence victimization to improve intervention in cases at high risk for violence. The field intervention with the NYPD was launched in July 2017. NYPD command maintains a list of high-priority individuals who are thought to be at risk for serious domestic assault. Individuals on this list receive regular home visits from one of the local NYPD’s Domestic Violence Officers (DVOs) to reduce the risk of future victimization. The researchers believe that upon the completion and dissemination of this work, the results will be relevant to researchers and policymakers who are assessing ways to reduce domestic violence.

Washington, U.S. Department of Justice, Office of Research and Evaluation, National Institute of Justice, 2022. 11p.

By Roos Geurts, Niels Raaijmakers, Marc J. M. H. Delsing, Toine Spapens, Jacqueline Wientjes, Dick Willems and Ron H. J. Scholte

Following the EU Victim Directive, Dutch police officers are obliged to assess a victim’s vulnerability to repeat victimization. This study explored the utility of unstructured police information for the prediction of repeat victimization, as well as its incremental value over and above structured police information. Police records over a period of 6 years were retrieved for a sample of 116,680 victims. Unstructured information was transformed into numeric features using count-vector and TF/IDF methods. Classification models were built using decision tree and random forest models. AUC values indicate that a combination of structured and unstructured police information could be used to correctly classify a majority of repeat and non-repeat victims.

Crime & DelinquencyVolume 69, Issue 9 Aug 2023 Pages 1567-1784

By HM Government (UK)

The publication of the Rape Review in 2021 demonstrated a commitment to improving the Criminal Justice System process for victims, and to more than double the number of adult rape cases reaching court by the end of Parliament. Now, two years after its publication, we are making strong progress towards the Rape Review’s ambition to return volumes of cases being referred by the police to the Crown Prosecution Service (CPS); charged by the CPS; and going to court, to at least 2016 levels. The data shows us that 2016 marked a key point in time where the system faltered: well-documented issues regarding the disclosure of evidence combined with strained relationships between criminal justice agencies, inconsistent support for victims, and ultimately a decline in the number of charges and prosecutions for rape cases. We have made clear our intention to continue reversing these trends. Having delivered on the vast majority of milestones set out by our Action Plan’s eight levers, we are pleased to report that we have already met two of our ambitions and remain well on-track to meet the one that remains, with a strong upward trajectory. Whilst we know that there is much more to do, this shows that our Action Plan is working.

London: HM Government, 2023. 40p.

By Samantha K. Brooks, Sonny S. Patel·and Neil Greenberg

The COVID-19 pandemic profoundly affected physical, mental, and economic well-being across the globe and has disproportionately affected certain vulnerable groups. This paper provides a scoping review of literature on the impact of the COVID19 pandemic on sex workers, published between December 2019 and December 2022. Six databases were systematically searched, identifying 1009 citations; 63 studies were included in the review. Thematic analysis revealed eight main themes: financial issues; exposure to harm; alternate ways of working; COVID-19 knowledge, protective behaviors, fear, and risk; well-being, mental health, and coping; access to support; access to health care; and the impact of COVID-19 on research with sex workers. COVID-associated restrictions led to reduced work and income, leaving many sex workers struggling to cover basic needs; additionally, government protections excluded those working in the informal economy. Fearing the loss of their already reduced number of clients, many felt compelled to compromise both prices and protective measures. Although some engaged in online sex work, this raised concerns about visibility and was impossible for those without technological access or skills. Many feared COVID-19, but felt pressure to continue working, often with clients who refused to wear masks or share exposure history. Other negative impacts on well-being related to the pandemic included reduced access to financial support or health care. Marginalized populations (and especially those in professions which require close contact like sex workers) need further support and capacity-building within the community to recover from the impact of COVID-19.

Archives of Sexual Behavior (2023) 52:1969–2010

by Sheena Webb, Carolyn Lipp, and Hannah Jeffery

Domestic abuse is one of the key drivers of child protection involvement in the UK. But there is a real lack of evidence around effective ways to with domestic abuse perpetrators. Recent research has highlighted the importance of substance misuse and the experience of trauma amongst perpetrators, and suggests that interventions which take these three issues together may be more effective than many of the current strategies. This project aims to contribute to our understanding of how to effectively work with perpetrators of domestic abuse by focussing on Family Drug and Alcohol Courts (FDACs), a non-adversarial, trauma-informed alternative to standard care proceedings which works with many domestic abuse perpetrators. Parents within FDAC proceedings receive therapeutic support from a multidisciplinary team and have regular review hearings with a dedicated judge. This report compares the lessons learned from a systematic review of the evidence around the links between abuse, trauma and perpetration of abuse with the way that these three issues are understood and responded to by FDAC teams and judges. 

London: Centre for Justice Innovation, 2023. 101p.

By  Danielle Davidson, Bridget Harris and Helena Menih

Young people experiencing homelessness and domestic and family violence have complex needs and encounter extensive barriers when seeking support and assistance. They may not recognise or may normalise abuse, thereby compounding the issue. Unfortunately, non-government and government sectors and agencies can be siloed, further complicating responses and hindering service provision. To overcome this problem, an innovative approach has been employed by some agencies; an embedded worker model. We have conducted in-depth qualitative interviews with agencies in Brisbane, Australia, who employ this model. As we discuss, the embedded worker aims to connect youth and domestic and family violence organisations, potentially addressing abuse better and bolstering youth safety and the capability and capacity of workers.

Canberra: QUT Centre for Justice, 2022. 4p

By Marc-André Argentino, Adnan Raja & Aoife Gallagher

Since QAnon’s rise to prominence, several high-profile celebrities have found themselves at the centre of the movement’s conspiratorial narratives, and therefore, the focus of coordinated harassment campaigns, brigading, dogpilling, slander and hate. This has led researchers who examine the digital information ecosystem to ask whether QAnon-coordinated harassment operates like other forms of targeted hate and harassment online, and specifically, whether vulnerable identity groups are faced with particularly egregious experiences. In this report, based on analysis conducted in early 2021, and examining upwards of 9 million posts and mentions across Facebook, Instagram and Twitter, we examine the role of gender-based violence against celebrities who were of particular significance to the QAnon community’s conspiracy theories in late 2019 and into the end of 2020: Chrissy Teigen, Tom Hanks, Ellen DeGeneres, Anderson Cooper, Jussie Smollett and Oprah Winfrey. The resulting analysis confirmed the suspicion that the most prominent type of harassment came in the form of brigading individual targets with accusations and slanderous mentions of paedophilia, often with graphic and disturbing language in their accusations.

Amman: Berlin: London: Paris: Washington DC: Institute for Strategic Dialogue, 2022. 32p.