Regulators have long been interested in protecting consumers borrowing for a home as it is likely the single greatest financial obligation they will undertake. In this paper we examine the approach taken in Australia to mandating the disclosure of simple comparison data to reduce the complexity involved in the home loan decision. This article highlights that while the form of the legislated disclosure significantly improves decision accuracy, the failure of the regulator to account for the consumer's purchase behavior and lenders' motivations has undermined its effectiveness. We provide a number of recommendations for how to rectify these failings, principally that regulators need to consider the role of borrower information search and lender motivation as part of any regulatory reform.

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SUMMARY This paper introduces Lacan to the psychotherapist without using his jargon. He is shown as deeply influenced by the Russian Marxist Alexander Kojeve whose charismatic seminars on Hegel Lacan attended. This helps account for his ‘global’ perspective in which we are all determined by deep social structures or that ‘language speaks us’ . Lacan also noticed Freud's writings are shot through with almost hidden uses of Figures of Speech, and this becomes the central plank in his theory that our unconscious processes coincide with the rhetorical workings of language.

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