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Andy Schmulow

Dr Andy Schmulow has a BA Honours and an LLB from the University of the Witwatersrand, and a PhD from the University of Melbourne. He is the Principal of Clarity Prudential Regulatory Consulting Pty Ltd, an Advocate of the High Court of South Africa, a Visiting Researcher in the Oliver Schreiner School of Law at the University of the Witwatersrand, and a Visiting Researcher in the Centre for International Trade at Sungkyunkwan University in Seoul. He is shortly to assume a role as a Senior Lecturer in the Law Faculty of the University of Western Australia. He may be reached on

Articles by Andy Schmulow (1)

  • Financial regulation: Is Australia's 'twin peaks' model a successful export?

    It is little known outside financial circles, but Australia is enjoying some success on the global stage as a policy exemplar. Australia's model for the regulation of the financial system – the Twin Peaks model – is being emulated world-wide. So-called because the model is characterised by two equal and independent peaks: the Australian Securities and Investments Commission (ASIC) and the Australian Prudential Regulation Authority (APRA).