Two Australian regulatory bodies, ASIC and APRA, oversee financial service providers and insurers; the ASIC is responsible for regulating the behaviour of companies, including foreign companies doing business in Australia, while APRA is concerned with the prudential supervision of most financial product and service providers. Although the 2001 financial services reform added uncertainty to the meaning of "carrying on business in Australia", the government commissioned a review in 2004 which subsequently cleared up some of that uncertainty.