FCVic supports the Financial Rights Legal Centre’s (FRLC) recommendations in the Attorney-General’s consultation on a ‘Minimal Asset Procedure’ in the personal insolvency system. FCVic advocates for increasing the debt threshold to $100,000 and excluding owner-occupied homes with little or no equity from asset tests, particularly given Australia’s housing crisis. These measures aim to provide debtors with a fresh start, prevent forced bankruptcies, and reduce pressure on housing and homelessness services. FCVic commends the positive legislative progress achieved through joint advocacy efforts.