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Design and Distribution Obligations

The Design and Distribution Obligations require financial service providers to have a customer-centric approach to the design and distribution of their financial products.

The Design and Distributions Obligations require financial service providers to have a customer-centric approach to the design and distribution of their financial products. 

What is a Target Market Determination (TMD)

As an issuer of financial products it is our responsibility to create a TMD for each of our products covered by the Design and Distribution Obligations. Each TMD will describe the:

  • Target market: the likely objectives, financial situation and needs of the members for whom the product was designed;
  • Distributions conditions: the conditions and restrictions surrounding how the product can be sold and distributed; and
  • Reporting requirements: the relevant information that must be provided to us by our distributors within the timeframes specified in the TMD.  

Reporting requirements

Distributors of each of our products covered by the Design and Distribution Obligations must report the information outlined in each TMD within the timeframes specified in the TMD.

If you are looking to report information to us as outlined in our product TMDs’, please email your information to DDOReporting@tmbl.com.au.

If you require a copy of a historical TMD or one that has ceased to apply, please contact us for details.

Target Market Determinations - Accounts

Target Market Determinations - Business Accounts

Target Market Determinations - Credit card

Target Market Determinations - Home loans

Target Market Determinations - Personal loans

Target Market Determinations - Term deposits

Third Party Distributors

Products no longer offered

Target Market Determinations – accounts no longer offered

Target Market Determinations – home loans no longer offered

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Australian Mutual Bank acknowledges the Traditional Owners and Custodians of the land where our office is located in Surry Hills, Sydney as the Gadigal people of the Eora Nation. We further acknowledge the Traditional Owners and Custodians of Country from where our members and employees reside.

We extend our deep respect to Elders, past and present, and emerging Community leaders for maintaining enduring connections that protect and care for Country for a sustainable future.

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Australian Mutual Bank is a division of Teachers Mutual Bank Limited.

For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. Full details are available on this website or on request. Lending criteria apply to approval of credit products. This information is general in nature and does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from or through Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL and Australian Credit Licence 238981.

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