Andy Schmulow

Dr, BA Honours LLB (Witw.) PhD (Melb)

  • The University of Western Australia (M253), 35 Stirling Highway,

    6009 Crawley


  • 0 Citations
  • 0 h-Index

Personal profile

Current projects

An edited comparative international analysis of the Twin Peaks model of financial system regulation, with co-editor Andrew Godwin of the Melbourne Law School, published by Cambridge Press.


Dr Andy Schmulow is an internationally recognised expert in financial system regulation, with a focus on preventing financial crises, ensuring good market conduct, and the protection of consumers of financial products and services. He has published nationally and internationally on Australia's 'Twin Peaks' regulatory model, holds visiting appointments in South Africa and South Korea, and his expertise has been called upon by foreign governments, including those of New Zealand, South Africa and South Korea, as well as by members of the Australia's Federal Parliament. He is cited frequently in the media, especially as regards malfeasance in the financial industry, and the need for a Royal Commission of Inquiry into banking practices and conduct.


  • Financial Systems
  • Financial Regulation
  • Consumer Law/ Financial Systems
  • Banking
  • Consumer Law

Fingerprint Fingerprint is based on mining the text of the person's scientific documents to create an index of weighted terms, which defines the key subjects of each individual researcher.

financial system Social Sciences
lending Social Sciences
regulation Social Sciences
financial crisis Social Sciences
Singapore Social Sciences
credit Social Sciences
act Social Sciences
system stability Social Sciences

Network Recent external collaboration on country level. Dive into details by clicking on the dots.

Research Output 2013 2017

  • 4 Article
  • 1 Other output
  • 1 Conference paper
  • 1 Working paper
Regulatory governance
South Africa
Financial system
Consumer markets
Regulatory enforcement
common law

The Financial Sector Regulation Bill in South Africa, Second Draft: Lessons from Australia

Godwin, A. & Schmulow, A. 2016 In : The South African Law Journal. 132, 4, p. 756-768 13 p.

Research output: Contribution to journalArticle

Twin Peaks: An Analysis of the Australian Architecture

Schmulow, A. 2016 Proceedings of the 2016 Global Forum for Financial Consumers. Jung, H. J. (ed.). Korea: International Academy of Financial Consumers

Research output: Chapter in Book/Report/Conference proceedingConference paper

financial system
system stability
consumer protection