Government reports

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Godwin, A. & A. Schmulow Contributors, “National Treasury, Republic of South Africa, Documents for Public Comments – 2nd Draft Financial Sector Regulation Bill, Vol. 1, Financial Sector Regulation Bill, Comments Received on the First Draft Bill“, published by National Treasury for Comments in December, Pretoria, South Africa, December 2014,

Schmulow, A., “The South African Regulatory Perspective. An ‘as is’ situational review at the FSCA and 3rd party sources“, in CGAP Customer Outcomes Indicator Project, Consultative Group to Assist the Poor (CGAP), published by Consultative Group to Assist the Poor, 29 April 2020, pp 68.

Schmulow, A. D., “Submission to the Financial System Inquiry, Regarding the Financial Claims Scheme“, in Consultation and submissions, Financial System Inquiry, ‘Second round submissions, N-Z’, 25 August, 2014, published by Commonwealth of Australia, 2015,

Schmulow, A. D., “Life Insurance: a discussion paper“, in The New Zealand Law Commission, no. Preliminary Paper 53, report number: NZLC PP 53, published by The New Zealand Law Commission, Wellington, New Zealand, December 2003, ISBN: 1-877187-98-4,