In this week's finance news, the Australia Securities and Investments Commission (ASIC) is increasing legal action against the Australian Securities Exchange (ASX) for the failure of the CHESS replacement system, resulting in a $250 million write-off. This marks another controversy for ASX, who were previously fined over $1 million for alleged violation of market integrity rules. Meanwhile, small business lending rules are potentially changing, with the Treasury proposing an extension of the responsible lending regulations exemption until October 2026. In other news, Deputy Governor of the Reserve Bank, Andrew Hauser, advises caution in predicting interest rates, maintaining the current rate amidst economic uncertainties. Finally, experts predict falling commodity prices may cause a sharp drop in Australia's interest rates by 2025, impacting federal and state budgets, and housing demand. This could present both opportunities and risks for investors and policymakers.