Westpac has provided around A$11.3 million in remediation to about 3,400 credit card customers, following a 2014 review by ASIC of credit card providers' invitations to customers to increase limits.In the course of its review, Westpac's lending practices in providing credit card limit increases to customers, were identified as "a cause for concern". In particular, ASIC was concerned that Westpac, in relying largely on its automated processes, was not making reasonable inquiries of individual cardholders, in breach of responsible lending obligations by the National Consumer Credit Protection Act 2009.Subsequently, in 2016, ASIC announced that Westpac had agreed for reasonable inquiries to be made about customers' income and employment status.The bank has already started paying off a $1 million de facto fine, in the form of contributions totalling $1 million to support financial counselling and financial literacy. The first two payments have been made, with further payments to follow in 2018 and 2019.The government's reforms will also require credit card providers to assess whether a credit card limit might be unsuitable based on the consumer's ability to repay the proposed credit limit within a period prescribed by ASIC, rather than the consumer's ability to meet the minimum repayment.