The amendments made by items 36 to 39 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.