Contents

Chapter 1--Introduction                                                                                       1

Part 1-1--Introduction                                                                                                       1

1............................ Short title............................................................................ 1

2............................ Commencement.................................................................. 1

3............................ The National Credit Code................................................... 2

Part 1-2--Definitions                                                                                                           3

Division 1--Introduction                                                                                            3

4............................ Guide to this Part................................................................ 3

Division 2--The Dictionary                                                                                       4

5............................ The Dictionary.................................................................... 4

Division 3--Definitions relating to the meaning of credit activity     23

6............................ Meaning of credit activity................................................. 23

7............................ Meaning of credit service................................................. 24

8............................ Meaning of credit assistance............................................ 24

9............................ Meaning of acts as an intermediary................................. 25

10.......................... Assignees of credit providers, lessors, mortgagees and beneficiaries of a guarantee               26

Division 4--Other definitions                                                                                 27

12.......................... When a business is carried on in this jurisdiction............ 27

13.......................... Meaning of misleading..................................................... 27

14.......................... Meaning of person--generally includes a partnership...... 27

15.......................... Meaning of person--generally includes multiple trustees 28

15A....................... Meaning of associate........................................................ 30

15B........................ Meaning of mortgage broker........................................... 30

15C........................ Meaning of mortgage intermediary.................................. 31

16.......................... Qualified privilege............................................................ 31

16A....................... Meaning of control........................................................... 32

16B........................ Meaning of Registrar....................................................... 33

Part 1-3--Application of this Act and the Transitional Act                      34

Division 1--Introduction                                                                                          34

17.......................... Guide to this Part.............................................................. 34

Division 2--Constitutional basis and application of this Act and the Transitional Act 35

18.......................... Constitutional basis for this Act and the Transitional Act. 35

19.......................... Meaning of referring State............................................... 36

20.......................... Meaning of referred credit matter.................................... 40

21.......................... General application of this Act and the Transitional Act... 40

22.......................... When Acts bind Crown.................................................... 42

Division 3--Interaction between the Commonwealth credit legislation and State and Territory laws                                                                                                                      43

23.......................... Concurrent operation intended.......................................... 43

24.......................... When Commonwealth credit legislation does not apply.... 43

25.......................... Avoiding direct inconsistency between Commonwealth and State and Territory laws             44

26.......................... Regulations to deal with interaction between laws............ 46

Chapter 2--Licensing of persons who engage in credit activities   48

Part 2-1--Requirement to be licensed to engage in credit activities      48

Division 1--Introduction                                                                                          48

27.......................... Guide to this Part.............................................................. 48

Division 2--Engaging in credit activities without a licence                   49

28.......................... Application of this Division.............................................. 49

29.......................... Prohibition on engaging in credit activities without a licence 49

Division 3--Other prohibitions relating to the requirement to be licensed         51

30.......................... Prohibitions on holding out and advertising etc................ 51

31.......................... Prohibition on conducting business with unlicensed persons  52

32.......................... Prohibition on charging a fee etc....................................... 52

Part 2-2--Australian credit licences                                                                         54

Division 1--Introduction                                                                                          54

34.......................... Guide to this Part.............................................................. 54

Division 2--Australian credit licences                                                               55

35.......................... Australian credit licences.................................................. 55

Division 3--How to get an Australian credit licence                                 56

36.......................... Applying for a licence....................................................... 56

37.......................... When a licence may be granted--applicants other than ADIs  56

37A....................... Fit and proper person test................................................. 58

37B........................ Fit and proper person test--matters to which ASIC must have regard    59

38.......................... When a licence may be granted--ADIs............................ 60

39.......................... Regulations may prescribe streamlined process for other applicants        61

40.......................... Licences must not be granted to certain applicants............ 61

41.......................... Applicant must be given hearing before refusal of licence 62

42.......................... Notice of grant or refusal of licence and date of effect...... 62

43.......................... Australian credit licence numbers..................................... 62

44.......................... Basis on which licence is granted..................................... 63

Division 4--Conditions on an Australian credit licence                           64

45.......................... The conditions on the licence............................................ 64

46.......................... Licence conditions--special procedures for APRA-regulated bodies      65

46A....................... ASIC may request information etc. in relation to an application for conditions to be varied    66

Division 5--Obligations of licensees                                                                   69

Subdivision A--General obligations                                                                   69

47.......................... General conduct obligations of licensees.......................... 69

48.......................... Requirements for compensation arrangements.................. 73

Subdivision B--Providing information and assistance to ASIC                  74

49.......................... Obligation to provide a statement or obtain an audit report if directed by ASIC      74

50.......................... Obligation to give ASIC information required by the regulations            76

50A....................... What are reportable situations?........................................ 77

50B........................ Obligation to lodge a report--reportable situations in relation to the licensee          80

50C........................ Obligation to lodge a report--reportable situations in relation to other licensees     81

50D....................... ASIC must publish details of certain reports.................... 83

51.......................... Obligation to provide ASIC with assistance if reasonably requested       84

Subdivision C--Notifying and remediating consumers affected by reportable situations          85

51A....................... Reporting to consumers affected by a reportable situation 85

51B........................ Obligation to investigate reportable situations that may affect consumers                86

51C........................ Obligation to keep records of compliance......................... 89

Subdivision D--Miscellaneous                                                                              89

52.......................... Obligation to cite Australian credit licence number........... 89

53.......................... Obligation to lodge annual compliance certificate............. 90

53A....................... Obligation to notify ASIC of change in control................ 92

53B........................ Obligation to notify ASIC if licensee does not engage in credit activities                92

53C........................ Knowledge and recklessness............................................ 93

Division 6--When a licence can be suspended, cancelled or varied  94

Subdivision A--Suspensions and cancellations                                                94

54.......................... Suspension or cancellation without hearing...................... 94

55.......................... Suspension or cancellation after offering a hearing........... 95

56.......................... Suspension and cancellation--special procedures for APRA-regulated bodies       96

Subdivision B--Variations                                                                                    97

57.......................... Varying licences............................................................... 97

Subdivision C--Miscellaneous rules about suspensions, cancellations and variations                98

58.......................... Effect of suspension......................................................... 98

59.......................... Revocation of suspension................................................. 98

60.......................... Date of effect, notice and publication of variation, cancellation or suspension etc.   98

61.......................... Statement of reasons......................................................... 98

62.......................... ASIC may allow licence to continue in force.................... 98

Part 2-3--Credit representatives and other representatives of licensees 100

Division 1--Introduction                                                                                        100

63.......................... Guide to this Part............................................................ 100

Division 2--Authorisation of credit representatives                               101

64.......................... Licensee may authorise credit representatives................. 101

65.......................... Credit representative that is a body corporate may sub-authorise natural persons as credit representatives........................................................................................ 102

66.......................... Credit representative of 2 or more licensees.................... 103

67.......................... A person cannot be a credit representative in relation to credit activities authorised by a person's licence........................................................................................ 104

68.......................... Variation and revocation of authorisations and sub-authorisations          104

69.......................... Obligation not to give authorisation that has no effect.... 105

70.......................... Obligation to vary or revoke authorisation that ceases to have effect       105

71.......................... Obligation to notify ASIC etc. about credit representatives 106

72.......................... Credit representative numbers......................................... 108

Division 3--Information about representatives                                         109

73.......................... ASIC may give licensee information about representatives 109

Division 4--Liability of licensees for representatives                             112

74.......................... Application of this Division............................................ 112

75.......................... Responsibility if representative of only one licensee....... 112

76.......................... Representatives of multiple licensees.............................. 112

77.......................... Responsibility extends to loss or damage suffered by client 113

78.......................... Effect of this Division..................................................... 113

Part 2-4--Banning or disqualification of persons from engaging in credit activities       115

Division 1--Introduction                                                                                        115

79.......................... Guide to this Part............................................................ 115

Division 2--Banning orders                                                                                  116

80.......................... ASIC's power to make a banning order......................... 116

81.......................... What a banning order prohibits....................................... 119

82.......................... Effect of banning orders................................................. 120

83.......................... Variation or cancellation of banning orders.................... 120

84.......................... Date of effect, notice and publication of banning order, variation or cancellation     121

85.......................... Statement of reasons....................................................... 122

Division 3--Disqualification by the court                                                      123

86.......................... Disqualification by the court........................................... 123

Part 2-5--Financial records, trust accounts and audit reports              124

Division 1--Introduction                                                                                        124

87.......................... Guide to this Part............................................................ 124

Division 2--Financial records of licensees                                                    125

88.......................... Obligation to keep financial records................................ 125

89.......................... How financial records are to be kept............................... 126

90.......................... Language of financial records......................................... 126

91.......................... Location of financial records........................................... 126

92.......................... Information to be shown in financial records.................. 127

93.......................... Regulations may impose additional requirements........... 128

94.......................... Financial records taken to be made with licensee's authority 128

95.......................... Obligation to retain financial records for 7 years............ 128

96.......................... Financial records are prima facie evidence of matters..... 129

Division 3--Trust accounts of credit service licensees                           130

97.......................... Application of this Division............................................ 130

98.......................... Obligation for credit service licensees to maintain trust account               130

99.......................... Obligations in relation to trust account money................ 131

100........................ Obligation to lodge trust account statement and trust account audit report               132

101........................ Time of lodgment of trust account statement and trust account audit report             133

Division 4--Matters relating to audit reports                                             135

102........................ Auditor's right of access to records, information etc...... 135

103........................ Auditor's fees and expenses........................................... 136

104........................ Auditor to report on certain matters................................ 136

105........................ Qualified privilege for auditor etc................................... 137

106........................ Regulations in relation to audit reports etc...................... 138

Part 2-6--Exemptions and modifications relating to this Chapter      139

Division 1--Introduction                                                                                        139

107........................ Guide to this Part............................................................ 139

Division 2--Exemptions and modifications relating to this Chapter 140

108........................ Provisions to which this Part applies.............................. 140

109........................ Exemptions and modifications by ASIC......................... 140

110........................ Exemptions and modifications by the regulations........... 142

Chapter 3--Responsible lending conduct                                        143

Part 3-1--Licensees that provide credit assistance in relation to credit contracts              143

Division 1--Introduction                                                                                        143

111........................ Guide to this Part............................................................ 143

112........................ Application of this Part................................................... 144

Division 2--Credit guide of credit assistance providers                        145

113........................ Credit guide of credit assistance providers...................... 145

Division 3--Quote for providing credit assistance etc. in relation to credit contracts 148

114........................ Quote for providing credit assistance etc........................ 148

Division 4--Obligations of credit assistance providers before providing credit assistance for credit contracts                                                                                                151

115........................ Obligations of credit assistance providers before providing credit assistance for credit contracts            151

116........................ Preliminary assessment of unsuitability of the credit contract  152

117........................ Reasonable inquiries etc. about the consumer................. 152

118........................ When the credit contract must be assessed as unsuitable--entering contract or increasing the credit limit........................................................................................ 153

119........................ When the credit contract must be assessed as unsuitable--remaining in credit contract           155

120........................ Providing the consumer with the preliminary assessment 157

Division 5--Fees, indirect remuneration etc. relating to credit contracts           159

121........................ Fees, indirect remuneration etc. relating to credit contracts 159

122........................ No profiting from fees etc. paid to third parties.............. 160

Division 6--Prohibition on suggesting, or assisting with, unsuitable credit contracts   162

123........................ Prohibition on suggesting or assisting consumers to enter, or increase the credit limit under, unsuitable credit contracts.......................................................................... 162

124........................ Prohibition on suggesting to consumers to remain in unsuitable credit contracts     164

Division 7--Special rules for short-term and small amount credit contracts     167

124A..................... Prohibition on providing credit assistance in relation to short-term credit contracts 167

124B...................... Licensee who makes representations about credit assistance in relation to small amount credit contracts must display information etc.................................................... 167

Part 3-2--Licensees that are credit providers under credit contracts: general rules       169

Division 1--Introduction                                                                                        169

125........................ Guide to this Part............................................................ 169

Division 2--Credit guide of credit providers                                               170

126........................ Credit guide of credit providers...................................... 170

127........................ Credit guide of credit providers who are assignees......... 171

Division 3--Obligation to assess unsuitability                                             173

128........................ Obligation to assess unsuitability.................................... 173

129........................ Assessment of unsuitability of the credit contract........... 173

130........................ Reasonable inquiries etc. about the consumer................. 174

131........................ When credit contract must be assessed as unsuitable...... 175

132........................ Giving the consumer the assessment.............................. 177

Division 4--Prohibition on entering, or increasing the credit limit of, unsuitable credit contracts       179

133........................ Prohibition on entering, or increasing the credit limit of, unsuitable credit contracts                179

Part 3-2A--Licensees that are credit providers under credit contracts: additional rules relating to standard home loans                                                                                     182

Division 1--Introduction                                                                                        182

133A..................... Guide to this Part............................................................ 182

Division 2--Key Facts Sheets for standard home loans                        183

133AA.................. What is a standard home loan?...................................... 183

133AB................... What is a Key Facts Sheet for a standard home loan?..... 183

133AC................... Credit provider's website to provide capacity to generate Key Facts Sheet              184

133AD.................. Credit provider to provide Key Facts Sheet in other situations 185

133AE................... What if more information is needed from the consumer? 186

133AF................... Defences to obligation to provide a Key Facts Sheet...... 187

Part 3-2B--Licensees that are credit providers under credit contracts: additional rules relating to credit card contracts                                                                                                    189

Division 1--Introduction                                                                                        189

133B...................... Guide to this Part............................................................ 189

Division 2--Credit card contracts and related concepts                       191

133BA................... Meaning of credit card contract etc................................ 191

Division 3--Key Facts Sheets for credit card contract                          193

133BB................... What is a Key Facts Sheet for a credit card contract?...... 193

133BC................... Application form for credit card contract to include up-to-date Key Facts Sheet      193

133BD................... Credit provider not to enter into credit card contract unless Key Facts Sheet has been provided etc.       194

Division 4--Offers etc. to increase, and entitlement to reduce, credit limit of credit card contract     196

133BE................... Credit provider not to offer etc. to increase credit limit of credit card contract          196

133BF................... Credit provider not to enter into credit card contract unless it allows credit limit to be reduced                197

133BFA................ Credit provider to provide online capacity to request reduction of credit limit          198

133BFB................. Credit provider not to suggest the consumer not reduce the credit limit   199

133BFC................. Credit provider to give effect to request to reduce credit limit  200

Division 5--Use of credit card in excess of credit limit                          202

133BH................... Credit provider to notify consumer of use of credit card in excess of credit limit     202

133BI.................... Credit provider not to impose fees etc. because credit card used in excess of credit limit         203

133BJ.................... Records of consents and withdrawals to be kept............ 204

Division 6--Order of application of payments made under credit card contracts          205

133BO................... Credit provider to apply payments in accordance with this Division        205

133BP................... Agreement to apply payment against particular amount owed  206

133BQ................... Application of payment against last statement balance, with higher interest debts to be discharged first  207

133BR................... Application of any remaining part of the relevant payment 207

Division 7--Calculation of interest under credit card contracts      208

133BS................... Credit provider not to impose retrospective interest charges 208

Division 8--Ending credit card contracts                                                     209

133BT................... Credit provider not to enter into credit card contract unless it allows for termination of contracts            209

133BU................... Credit provider to provide online capacity to request termination of credit card contract          210

133BV................... Credit provider not to suggest the consumer not terminate the credit card contract  211

133BW.................. Credit provider to give effect to request to terminate credit card contract 211

Part 3-2C--Licensees that are credit providers under credit contracts: additional rules relating to short-term and small amount credit contracts                              213

Division 1--Introduction                                                                                        213

133C...................... Guide to this Part............................................................ 213

Division 2--Short-term and small amount credit contracts                214

133CA................... Prohibition on entering, or increasing the credit limit of, short-term credit contracts                214

133CB................... Licensee who makes representations about small amount credit contracts must display information etc. 214

133CC................... Licensee must not enter into a small amount credit contract if the repayments do not meet the prescribed requirements................................................................... 215

Part 3-2CA--Licensees supplying credit information to credit reporting bodies etc.      217

Division 1--Introduction                                                                                        217

133CM.................. Guide to this Part............................................................ 217

133CN................... Meanings of eligible licensee and eligible credit reporting body              217

133CO................... Meaning of eligible credit account.................................. 218

133CP................... Meaning of mandatory credit information..................... 218

133CQ................... Meaning of supply requirements.................................... 219

Division 2--Supplying credit information to credit reporting bodies etc.            221

Subdivision A--Initial bulk supplies of credit information                        221

133CR................... Requirement to supply.................................................... 221

133CS................... Exception if credit reporting body not complying with information security requirements      223

133CT................... Licensee must give notice if credit reporting body later complies with information security requirements........................................................................................ 224

Subdivision B--Ongoing supplies of credit information                             225

133CU................... Requirement to supply.................................................... 225

133CV................... Exception if credit reporting body not complying with information security requirements      228

133CW.................. Licensee must give notice if credit reporting body later complies with information security requirements........................................................................................ 230

Subdivision C--Offences                                                                                      230

133CX................... Offence relating to initial bulk supplies........................... 230

133CY................... Offence relating to ongoing supplies.............................. 231

133CZ................... Offence relating to giving notice if credit reporting body later complies with information security requirements........................................................................................ 231

Division 3--Conditions on credit reporting bodies on-disclosing credit information     232

133CZA................ On-disclosing information supplied under Division 2 etc. 232

133CZB................. Offence........................................................................... 233

Division 4--Reporting to the Minister                                                            234

133CZC................. Reports about initial bulk supplies of credit information. 234

133CZD................ Auditors.......................................................................... 235

133CZE................. Offence........................................................................... 235

Division 5--Assisting ASIC                                                                                   236

133CZF................. Meaning of Part 3-2CA body......................................... 236

133CZG................ Obligation to provide a statement or obtain an audit report if directed by ASIC      236

133CZH................ Obligation to give ASIC information required by the regulations            237

133CZI.................. Obligation to provide ASIC with assistance if reasonably requested       238

133CZJ.................. Extended application of Division 4 of Part 2-5............... 239

Division 6--Miscellaneous                                                                                     240

133CZK................. This Part does not limit the Privacy Act 1988................. 240

133CZL................. Review of the operation of this Part................................ 240

133CZM................ Main constitutional basis................................................ 240

133CZN................ Other constitutional bases............................................... 240

Part 3-2D--Licensees and reverse mortgages                                                  242

133DA.................. Guide to this Part............................................................ 242

133DB................... Giving projections of equity before providing credit assistance or entering credit contract      242

133DC................... Making reverse mortgage information statement available on website of credit provider or credit assistance provider.......................................................................... 244

133DD.................. Making reverse mortgage information statement available in other situations          245

133DE................... Representations that use the term "reverse mortgage" etc. 246

Part 3-3--Licensees that provide credit assistance in relation to consumer leases             248

Division 1--Introduction                                                                                        248

134........................ Guide to this Part............................................................ 248

135........................ Application of this Part................................................... 249

Division 2--Credit guide of credit assistance providers                        250

136........................ Credit guide of credit assistance providers...................... 250

Division 3--Quote for providing credit assistance etc. in relation to consumer leases 253

137........................ Quote for providing credit assistance etc........................ 253

Division 4--Obligations of credit assistance providers before providing credit assistance for consumer leases                                                                                                       255

138........................ Obligations of credit assistance providers before providing credit assistance for consumer leases          255

139........................ Preliminary assessment of unsuitability of the consumer lease                256

140........................ Reasonable inquiries etc. about the consumer................. 256

141........................ When the consumer lease must be assessed as unsuitable--entering lease              257

142........................ When the consumer lease must be assessed as unsuitable--remaining in lease       258

143........................ Providing the consumer with the preliminary assessment 260

Division 5--Fees, indirect remuneration etc. relating to consumer leases           262

144........................ Fees, indirect remuneration etc. relating to consumer leases 262

145........................ No profiting from fees etc. paid to third parties.............. 263

Division 6--Prohibition on suggesting, or assisting with, unsuitable consumer leases  264

146........................ Prohibition on suggesting, or assisting with, unsuitable consumer leases                264

147........................ Prohibition on suggesting to consumers to remain in unsuitable consumer leases   266

Part 3-4--Licensees that are lessors under consumer leases                   269

Division 1--Introduction                                                                                        269

148........................ Guide to this Part............................................................ 269

Division 2--Credit guide of lessors                                                                   270

149........................ Credit guide of lessors.................................................... 270

150........................ Credit guide of lessors who are assignees...................... 271

Division 3--Obligation to assess unsuitability                                             273

151........................ Obligation to assess unsuitability.................................... 273

152........................ Assessment of unsuitability of the consumer lease......... 273

153........................ Reasonable inquiries etc. about the consumer................. 273

154........................ When consumer lease must be assessed as unsuitable.... 274

155........................ Giving the consumer the assessment.............................. 275

Division 4--Prohibition on entering unsuitable consumer leases      278

156........................ Prohibition on entering unsuitable consumer leases........ 278

Part 3-5--Credit representatives                                                                              280

Division 1--Introduction                                                                                        280

157........................ Guide to this Part............................................................ 280

Division 2--Credit guide of credit representatives                                  281

158........................ Credit guide of credit representatives.............................. 281

Part 3-5A--Mortgage brokers and mortgage intermediaries                 284

Division 1--Introduction                                                                                        284

Subdivision A--Guide to this Part                                                                     284

158K...................... Guide to this Part............................................................ 284

Subdivision B--Interpretation                                                                            284

158KA................... Doing acts....................................................................... 284

158KB................... Circumstances in which a secondary representative is taken to be acting within actual or apparent authority........................................................................................ 285

158KC................... Obligations under this Part in addition to other obligations 285

Division 2--Best interests obligations                                                              286

Subdivision A--Licensees that provide credit assistance in relation to credit contracts             286

158L...................... Application of this Subdivision...................................... 286

158LA................... Licensee must act in the best interests of the consumer... 286

158LB................... Conflict between consumer's interests and those of the licensee etc.       286

Subdivision B--Credit representatives that provide credit assistance in relation to credit contracts      287

158LD................... Application of this Subdivision...................................... 287

158LE.................... Credit representative must act in the best interests of the consumer         287

158LF.................... Conflict between consumer's interests and those of the credit representative etc.    287

Division 4--Conflicted remuneration                                                              289

Subdivision A--What is conflicted remuneration?                                       289

158N..................... Conflicted remuneration................................................. 289

158NA.................. Regulations may further define conflicted remuneration 289

Subdivision B--Ban on accepting conflicted remuneration                       290

158NB................... Licensee must not accept conflicted remuneration........... 290

158NC................... Credit representative must not accept conflicted remuneration 290

Subdivision C--Ban on giving conflicted remuneration                             290

158ND.................. Employer must not give employees conflicted remuneration 290

158NE................... Credit provider must not give conflicted remuneration... 291

158NF................... Mortgage intermediary must not give conflicted remuneration 291

Division 6--Miscellaneous                                                                                     293

158T...................... Anti-avoidance................................................................ 293

Part 3-6--Debt collectors                                                                                               294

Division 1--Introduction                                                                                        294

159........................ Guide to this Part............................................................ 294

Division 2--Credit guide of debt collectors                                                  295

160........................ Credit guide of debt collectors........................................ 295

Part 3-6A--Miscellaneous rules                                                                                297

Division 1--Introduction                                                                                        297

160A..................... Guide to this Part............................................................ 297

Division 2--Representations                                                                                 298

160B...................... "Independent", "impartial" or "unbiased" etc.................. 298

160C...................... "Financial counsellor" etc............................................... 299

Division 3--Giving misleading information                                                  301

160D..................... Prohibition on giving misleading information etc........... 301

Division 4--Giving authorisation for deductions by employer of debtor or lessee         302

160E...................... Requirements for giving authorisation to employer........ 302

Division 5--Periods for determining unsuitability in respect of credit card contracts 304

160F...................... Periods for determining unsuitability in respect of credit card contracts   304

Division 6--Proscribed referrals                                                                       305

160G..................... Prohibition on proscribed referrals................................. 305

Part 3-7--Exemptions and modifications relating to this Chapter      307

Division 1--Introduction                                                                                        307

161........................ Guide to this Part............................................................ 307

Division 2--Exemptions and modifications relating to this Chapter 308

162........................ Provisions to which this Part applies.............................. 308

163........................ Exemptions and modifications by ASIC......................... 308

164........................ Exemptions and modifications by the regulations........... 309

Chapter 4--Remedies                                                                                            311

Part 4-1--Civil penalty provisions                                                                           311

Division 1--Introduction                                                                                        311

165........................ Guide to this Part............................................................ 311

Division 2--Declarations and pecuniary penalty orders for contraventions of civil penalty provisions                                                                                                                    312

166........................ Declaration of contravention of civil penalty provision... 312

167........................ Court may order person to pay pecuniary penalty for contravening civil penalty provision     312

167A..................... Maximum pecuniary penalty........................................... 313

167B...................... Pecuniary penalty applicable........................................... 314

167C...................... Relinquishing the benefit derived from contravening a civil penalty provision        315

167D..................... Meaning of benefit derived and detriment avoided because of a contravention of a civil penalty provision........................................................................................ 316

Division 3--General provisions relating to civil penalty provisions 317

168........................ Contravening a civil penalty provision is not an offence. 317

169........................ Attempt and involvement in contravention treated in same way as actual contravention          317

170........................ Civil evidence and procedure rules for proceedings relating to civil penalty provisions           317

171........................ Criminal proceedings before civil proceedings............... 317

172........................ Criminal proceedings during civil proceedings............... 317

173........................ Criminal proceedings after civil proceedings.................. 318

174........................ Evidence given in proceedings for pecuniary penalty not admissible in criminal proceedings 318

175........................ Civil double jeopardy...................................................... 319

175A..................... Continuing contraventions of civil penalty provisions.... 319

175B...................... State of mind................................................................... 320

175C...................... Mistake of fact................................................................ 320

175D..................... Exceptions etc. to civil penalty provisions--burden of proof.. 321

175E...................... Civil penalty provisions contravened by employees, agents or officers   321

Part 4-2--Power of the court to grant remedies                                             323

Division 1--Introduction                                                                                        323

176........................ Guide to this Part............................................................ 323

Division 2--Power of the court to grant remedies                                   324

177........................ Injunctions...................................................................... 324

178........................ Compensation orders...................................................... 325

179........................ Other orders to compensate loss or damage.................... 326

180........................ Orders in relation to unlawful credit activities................. 329

180A..................... Orders to remedy unfair or dishonest conduct by credit service providers               331

181........................ Preference must be given to compensate consumers....... 334

182........................ Adverse publicity orders................................................. 335

183........................ Relief from liability for contravention of civil penalty provision              335

184........................ Multiple remedies may be granted.................................. 336

Part 4-3--Jurisdiction and procedure of courts                                             337

Division 1--Introduction                                                                                        337

185........................ Guide to this Part............................................................ 337

Division 2--Civil proceedings                                                                              338

Subdivision A--Application of this Division                                                   338

186........................ Application of this Division............................................ 338

Subdivision B--Conferral of civil jurisdiction                                              338

187........................ Civil jurisdiction of courts.............................................. 338

188........................ Jurisdiction--decisions to prosecute and related criminal justice process decisions made by Commonwealth officers............................................................................ 339

189........................ Cross-jurisdictional appeals............................................ 341

190........................ Courts to act in aid of each other..................................... 342

Subdivision C--Transfers between courts                                                       342

191........................ Transfers--application of Subdivision........................... 342

192........................ Transfers--exercise of transfer power............................ 343

193........................ Transfers--criteria for transfer....................................... 344

194........................ Transfers--how initiated................................................ 345

195........................ Transfers--documents and procedure............................ 345

196........................ Transfers--conduct of proceedings................................ 346

197........................ Transfers--entitlement to practise as a lawyer................ 346

198........................ Transfers--limitation on appeals.................................... 346

Subdivision D--Other matters                                                                            347

199........................ Plaintiffs may choose small claims procedure................. 347

200........................ Costs only if proceedings brought vexatiously etc.......... 352

201........................ Civil proceedings not to be stayed.................................. 353

202........................ Standard of proof in civil proceedings............................ 353

Division 3--Criminal proceedings                                                                     354

Subdivision A--Application of this Division                                                   354

203........................ Application of this Division............................................ 354

Subdivision B--Conferral of criminal jurisdiction                                      354

204........................ Criminal jurisdiction of courts........................................ 354

205........................ Criminal proceedings--laws to be applied...................... 357

206........................ Criminal proceedings--how taken.................................. 358

207........................ Certain persons to assist in prosecutions........................ 358

208........................ Privilege against self-incrimination not available to bodies corporate in criminal proceedings 359

Division 4--Proceedings generally                                                                    361

209........................ ASIC's power to intervene in proceedings..................... 361

210........................ Evidence of contravention............................................... 361

211........................ Power of court to punish for contempt of court.............. 362

Chapter 5--Administration                                                                            363

Part 5-1--Matters relating to handling records and information        363

Division 1--Introduction                                                                                        363

212........................ Guide to this Part............................................................ 363

Division 1A--The Registrar                                                                                 364

Subdivision A--The Registrar                                                                            364

212A..................... Appointment of the Registrar.......................................... 364

212B...................... Functions........................................................................ 364

212C...................... Powers............................................................................ 364

212D..................... Directions by Minister.................................................... 365

212E...................... Delegation....................................................................... 365

212F...................... Assisted decision making............................................... 366

212G..................... Liability for damages...................................................... 366

Subdivision B--How the Registrar is to perform and exercise functions and powers  367

212H..................... Data standards................................................................ 367

212J....................... Giving information to the Registrar................................ 368

212K...................... How the Registrar is to perform and exercise functions and powers       368

Subdivision C--Disclosure of information                                                      369

212L...................... Disclosure framework.................................................... 369

212M..................... Protection of confidentiality of protected information..... 370

212N..................... Authorisation of recording or disclosure........................ 371

212P...................... Preventing disclosure of particular protected information 372

212Q..................... Authorisation for purposes of Privacy Act..................... 373

212R...................... Disclosure to a court....................................................... 373

Subdivision D--Miscellaneous                                                                            373

212S...................... Extracts of information to be admissible in evidence...... 373

212T...................... Annual report.................................................................. 374

212U..................... Rules............................................................................... 374

Division 2--Registers relating to credit activities                                     376

213........................ Credit registers................................................................ 376

214........................ Inspection and public availability of credit registers........ 377

Part 5-2--Documents lodged with ASIC or required by this Act        378

Division 1--Introduction                                                                                        378

215........................ Guide to this Part............................................................ 378

Division 2--Lodgment of documents with ASIC                                        379

216........................ When documents are lodged with ASIC......................... 379

217........................ Approved forms for documents to be lodged with ASIC 379

218........................ ASIC may refuse to receive document etc...................... 380

Division 3--ASIC's register of documents                                                    382

219........................ Register of documents lodged with ASIC...................... 382

220........................ ASIC may require person to give information for document registers     382

221........................ Written document setting out information from document registers is prima facie evidence of matters    383

Division 4--Other provisions relating to documents lodged with ASIC or required under this Act     385

222........................ Certified copy or extract of document lodged with ASIC is admissible in evidence                385

223........................ ASIC may destroy or dispose of certain documents....... 385

224........................ Court may order lodgment of document etc.................... 385

225........................ False or misleading documents....................................... 386

Part 5-3--Concealment or falsification of credit books                             390

Division 1--Introduction                                                                                        390

226........................ Guide to this Part............................................................ 390

Division 2--Prohibitions relating to the concealment or falsification of credit books   391

227........................ Concealing etc. of credit books....................................... 391

228........................ Falsification of credit books............................................ 392

229........................ Precautions against falsification of credit books............. 393

Part 5-4--Fees imposed by the National Consumer Credit Protection (Fees) Act 2009 394

Division 1--Introduction                                                                                        394

230........................ Guide to this Part............................................................ 394

Division 2--Fees imposed by the National Consumer Credit Protection (Fees) Act 2009          395

231........................ Fees are payable to the Commonwealth.......................... 395

232........................ Lodgment of document without payment of fee.............. 395

233........................ Doing act without payment of fee................................... 395

234........................ Effect of sections 232 and 233........................................ 395

235........................ Waiver and refund of fees............................................... 396

236........................ Debts due to the Commonwealth.................................... 396

237........................ Payment of fee does not give right to inspect or search.. 396

Part 5-5--Other administrative matters                                                               397

Division 1--Introduction                                                                                        397

238........................ Guide to this Part............................................................ 397

Division 1A--Codes of conduct                                                                           398

Subdivision A--Approved codes of conduct                                                    398

238A..................... Approved codes of conduct............................................ 398

238B...................... Variations to approved codes of conduct........................ 399

238C...................... Review of approved codes of conduct............................ 400

238D..................... Obligation to comply with enforceable code provisions. 400

238E...................... Regulations..................................................................... 400

Subdivision B--Mandatory codes of conduct                                                 401

238F...................... Mandatory codes of conduct........................................... 401

238G..................... Obligation to comply with mandatory code of conduct... 401

Division 2--Other administrative matters                                                    402

239........................ ASIC has general administration of this Act................... 402

240........................ Obstructing or hindering ASIC etc................................. 402

242........................ ASIC may arrange for use of computer programs to make decisions      402

243........................ Qualified privilege for information given to ASIC......... 403

244........................ ASIC certificate is prima facie evidence of matters......... 403

245........................ Operator of AFCA scheme may give information to ASIC 404

Chapter 6--Compliance and enforcement                                     405

Part 6-1--Investigations                                                                                                 405

Division 1--Introduction                                                                                        405

246........................ Guide to this Part............................................................ 405

Division 2--Investigations                                                                                     406

247........................ General powers of investigation..................................... 406

248........................ Minister may direct investigations.................................. 406

249........................ Interim report on investigation........................................ 407

250........................ Final report on investigation........................................... 408

251........................ Distribution of report...................................................... 408

Part 6-2--Examination of persons                                                                          410

Division 1--Introduction                                                                                        410

252........................ Guide to this Part............................................................ 410

Division 2--Examination of persons                                                                411

253........................ Notice requiring appearance for examination.................. 411

254........................ Proceedings at examination............................................. 411

255........................ Requirements made of examinee..................................... 411

256........................ Examination to take place in private................................ 412

257........................ Examinee's lawyer may attend........................................ 412

258........................ Record of examination.................................................... 413

259........................ Giving to other persons copies of record........................ 414

260........................ Copies given subject to conditions.................................. 414

261........................ Record to accompany report........................................... 415

Part 6-3--Inspection of books and audit information-gathering powers                416

Division 1--Introduction                                                                                        416

262........................ Guide to this Part............................................................ 416

Division 2--Inspection of books and audit information-gathering powers          417

263........................ When certain powers may be exercised.......................... 417

264........................ ASIC may inspect books without charge........................ 417

265........................ Notice to auditors concerning information and books..... 418

266........................ Notice to produce books about credit activities or credit reporting           419

267........................ Notice to produce documents in person's possession..... 420

268........................ ASIC may authorise persons to require production of books, giving of information etc.        421

271........................ Powers if books produced or seized............................... 422

272........................ Powers if books not produced........................................ 423

Part 6-3A--Search warrants                                                                                      424

Division 1--Introduction                                                                                        424

272A..................... Guide to this Part............................................................ 424

Division 2--Extra application of Crimes Act search warrant provisions            425

Subdivision A--Basic extra application                                                           425

272B...................... Extra application of Crimes Act search warrant provisions 425

272C...................... Interpretation of modifications........................................ 426

Subdivision B--Modifications                                                                            426

272D..................... Major modifications--evidential material....................... 426

272E...................... Major modifications--who may apply for a warrant etc. 426

272F...................... Major modifications--purposes for which things may be used and shared             427

272G..................... Minor modifications....................................................... 431

Part 6-4--Proceedings after an investigation                                                    433

Division 1--Introduction                                                                                        433

273........................ Guide to this Part............................................................ 433

Division 2--Proceedings after an investigation                                          434

274........................ ASIC may prosecute....................................................... 434

275........................ ASIC may bring civil proceedings.................................. 435

Part 6-5--Hearings                                                                                                            436

Division 1--Introduction                                                                                        436

276........................ Guide to this Part............................................................ 436

Division 2--Hearings                                                                                                437

277........................ Power to hold hearings................................................... 437

278........................ General discretion to hold hearing in public or private.... 437

279........................ Request by person appearing at hearing that it take place in public          437

280........................ Certain hearings to take place in private.......................... 438

281........................ ASIC may restrict publication of certain material............ 438

282........................ Who may be present when hearing takes place in private 439

283........................ Involvement of person entitled to appear at hearing........ 440

284........................ Power to summon witnesses and take evidence.............. 440

285........................ Proceedings at hearings.................................................. 441

286........................ ASIC to take account of evidence and submissions........ 442

287........................ Reference to court of question of law arising at hearing. 442

288........................ Protection of ASIC members etc.................................... 443

Part 6-5A--Penalties for offences                                                                            444

Division 1--Introduction                                                                                        444

288A..................... Guide to this Part............................................................ 444

Division 2--Penalty for committing an offence                                          445

288B...................... Penalty for committing an offence.................................. 445

288C...................... Penalty applicable to an offence committed by an individual 445

288D..................... Penalty applicable to an offence committed by a body corporate              446

288E...................... Meaning of benefit derived and detriment avoided because of an offence               447

288F...................... Where is the penalty for an offence specified?................ 447

288G..................... If no penalty is specified................................................. 448

Part 6-5B--Infringement notices                                                                              449

Division 1--Introduction                                                                                        449

288H..................... Guide to this Part............................................................ 449

Division 2--Infringement notices                                                                       450

288J....................... When an infringement notice may be given.................... 450

288K...................... Provisions subject to an infringement notice................... 450

288L...................... Matters to be included in an infringement notice............. 451

288M..................... Payment period............................................................... 454

288N..................... Extension of time to pay amount..................................... 455

288P...................... Payment by instalments.................................................. 456

288Q..................... Withdrawal of an infringement notice............................. 457

288R...................... Effect of payment of amount........................................... 459

288S...................... Effect of this Part............................................................ 460

Part 6-6--Offences under this Chapter                                                               461

Division 1--Introduction                                                                                        461

289........................ Guide to this Part............................................................ 461

Division 2--Offences                                                                                                 462

290........................ Contraventions of requirements made under this Chapter 462

291........................ False information............................................................ 463

293........................ Disrupting hearings........................................................ 463

294........................ Concealing books relevant to investigation..................... 464

295........................ Self-incrimination........................................................... 464

296........................ Legal professional privilege............................................ 465

297........................ Powers of court relating to contraventions of this Chapter 466

Part 6-7--ASIC's powers in relation to contraventions of this Chapter  468

Division 1--Introduction                                                                                        468

298........................ Guide to this Part............................................................ 468

Division 2--ASIC's powers in relation to contraventions of this Chapter          469

299........................ Application of this Part................................................... 469

300........................ Orders by ASIC relating to credit contracts, mortgages, guarantees or consumer leases         469

301........................ Orders under this Part..................................................... 470

Part 6-7A--Product intervention orders                                                             471

Division 1--Introduction                                                                                        471

301A..................... Guide to this Part............................................................ 471

Division 2--Product intervention orders                                                       472

301B...................... Definitions...................................................................... 472

301C...................... Application of product intervention orders..................... 472

301D..................... ASIC may make product intervention orders.................. 472

301E...................... Significant detriment to consumers................................. 474

301F...................... ASIC to consult before making product intervention orders 475

301G..................... Commencement and duration of product intervention orders 475

301H..................... Extension of product intervention orders........................ 476

301J....................... Amendment of product intervention orders.................... 477

301K...................... Revocation of product intervention orders...................... 478

301L...................... ASIC to issue public notice of product intervention orders 478

301M..................... Remaking product intervention orders............................ 480

301N..................... Product intervention orders may require notification...... 480

301P...................... Enforcement of product intervention orders.................... 480

Part 6-8--Evidentiary use of certain material                                                  482

Division 1--Introduction                                                                                        482

302........................ Guide to this Part............................................................ 482

Division 2--Evidentiary use of certain material                                        483

303........................ Statements made at an examination: proceedings against examinee          483

304........................ Statements made at an examination: other proceedings... 484

305........................ Weight of evidence admitted under section 304.............. 484

306........................ Objection to admission of statements made at examination 485

307........................ Copies of, or extracts from, certain books...................... 486

308........................ Report under Part 6-1..................................................... 487

309........................ Exceptions to admissibility of report............................... 487

310........................ Material otherwise admissible......................................... 488

Part 6-9--Miscellaneous provisions relating to compliance and enforcement      489

Division 1--Introduction                                                                                        489

311........................ Guide to this Part............................................................ 489

Division 2--Miscellaneous provisions relating to compliance and enforcement               490

312........................ Requirement made of a body corporate........................... 490

313........................ Evidence of authority...................................................... 490

314........................ Giving documents to natural persons.............................. 490

315........................ Place and time for production of books.......................... 491

316........................ Application of Crimes Act and Evidence Act................. 491

317........................ Allowances and expenses............................................... 491

318........................ Expenses of investigation under Part 6-1........................ 492

319........................ Recovery of expenses of investigation............................ 492

320........................ Compliance with this Chapter......................................... 493

321........................ Effect of this Chapter...................................................... 493

322........................ Enforcement of undertakings.......................................... 493

An Act relating to credit, and for related purposes

  

Endnotes

Endnote 1--About the endnotes

The endnotes provide information about this compilation and the compiled law.

The following endnotes are included in every compilation:

Endnote 1--About the endnotes

Endnote 2--Abbreviation key

Endnote 3--Legislation history

Endnote 4--Amendment history

Abbreviation key--Endnote 2

The abbreviation key sets out abbreviations that may be used in the endnotes.

Legislation history and amendment history--Endnotes 3 and 4

Amending laws are annotated in the legislation history and amendment history.

The legislation history in endnote 3 provides information about each law that has amended (or will amend) the compiled law. The information includes commencement details for amending laws and details of any application, saving or transitional provisions that are not included in this compilation.

The amendment history in endnote 4 provides information about amendments at the provision (generally section or equivalent) level. It also includes information about any provision of the compiled law that has been repealed in accordance with a provision of the law.

Editorial changes

The Legislation Act 2003 authorises First Parliamentary Counsel to make editorial and presentational changes to a compiled law in preparing a compilation of the law for registration. The changes must not change the effect of the law. Editorial changes take effect from the compilation registration date.

If the compilation includes editorial changes, the endnotes include a brief outline of the changes in general terms. Full details of any changes can be obtained from the Office of Parliamentary Counsel.

Misdescribed amendments

A misdescribed amendment is an amendment that does not accurately describe how an amendment is to be made. If, despite the misdescription, the amendment can be given effect as intended, then the misdescribed amendment can be incorporated through an editorial change made under section 15V of the Legislation Act 2003.

If a misdescribed amendment cannot be given effect as intended, the amendment is not incorporated and "(md not incorp)" is added to the amendment history.

Endnote 2--Abbreviation key

 

ad = added or inserted	o = order(s)
am = amended	Ord = Ordinance
amdt = amendment	orig = original
c = clause(s)	par = paragraph(s)/subparagraph(s)
C[x] = Compilation No. x	/sub-subparagraph(s)
Ch = Chapter(s)	pres = present
def = definition(s)	prev = previous
Dict = Dictionary	(prev ... ) = previously
disallowed = disallowed by Parliament	Pt = Part(s)
Div = Division(s)	r = regulation(s)/rule(s)
ed = editorial change	reloc = relocated
exp = expires/expired or ceases/ceased to have	renum = renumbered
effect	rep = repealed
F = Federal Register of Legislation	rs = repealed and substituted
gaz = gazette	s = section(s)/subsection(s)
LA = Legislation Act 2003	Sch = Schedule(s)
LIA = Legislative Instruments Act 2003	Sdiv = Subdivision(s)
(md) = misdescribed amendment can be given	SLI = Select Legislative Instrument
effect	SR = Statutory Rules
(md not incorp) = misdescribed amendment	Sub-Ch = Sub-Chapter(s)
cannot be given effect	SubPt = Subpart(s)
mod = modified/modification	underlining = whole or part not
No. = Number(s)	commenced or to be commenced

 

Endnote 3--Legislation history

 

Act	Number and year	Assent	Commencement	Application, saving and transitional provisions
National Consumer Credit Protection Act 2009	134, 2009	15 Dec 2009	s 3-337 and Sch 1: 1 Apr 2010 (s 2(1) item 2) Remainder: 15 Dec 2009 (s 2(1) item 1)
National Consumer Credit Protection Amendment Act 2010	9, 2010	3 Mar 2010	3 Mar 2010	--
Statute Law Revision Act 2011	5, 2011	22 Mar 2011	Schedule 1 (items 66-68): Royal Assent	--
Acts Interpretation Amendment Act 2011	46, 2011	27 June 2011	Schedule 2 (items 781-784) and Schedule 3 (items 10, 11): 27 Dec 2011	Sch. 3 (items 10, 11)
National Consumer Credit Protection Amendment (Home Loans and Credit Cards) Act 2011	84, 2011	25 July 2011	Schedule 1 (items 1-5): 1 Jan 2012 Schedule 1 (items 6, 8-10, 12, 14, 15, 17-28): 1 July 2012	--
Consumer Credit Legislation Amendment (Enhancements) Act 2012	130, 2012	17 Sept 2012	Schedule 1, Schedule 2 (items 9-14, 16-18, 21, 22, 24-26), Schedule 3 and Schedule 5: 1 Mar 2013 Schedule 2 (items 1-8, 15, 19, 20, 23): 18 Sept 2012 Schedule 4: 1 July 2013	--
Privacy Amendment (Enhancing Privacy Protection) Act 2012	197, 2012	12 Dec 2012	Sch 5 (items 131, 132) and Sch 6 (items 15-19): 12 Mar 2014 (s 2(1) items 3, 19) Sch 6 (item 1): 12 Dec 2012 (s 2(1) item 16)	Sch 6 (items 1, 15-19)
Federal Circuit Court of Australia (Consequential Amendments) Act 2013	13, 2013	14 Mar 2013	Sch 1 (items 418, 419) and Sch 2 (item 1): 12 Apr 2013 (s 2(1) items 2, 3)	--
Public Governance, Performance and Accountability (Consequential and Transitional Provisions) Act 2014	62, 2014	30 June 2014	Sch 10 (item 35) and Sch 14: 1 July 2014 (s 2(1) items 6, 14)	Sch 14
as amended by
Public Governance and Resources Legislation Amendment Act (No. 1) 2015	36, 2015	13 Apr 2015	Sch 2 (items 7-9) and Sch 7: 14 Apr 2015 (s 2)	Sch 7
as amended by
Acts and Instruments (Framework Reform) (Consequential Provisions) Act 2015	126, 2015	10 Sept 2015	Sch 1 (item 486): 5 Mar 2016 (s 2(1) item 2)
Acts and Instruments (Framework Reform) (Consequential Provisions) Act 2015	126, 2015	10 Sept 2015	Sch 1 (item 495): 5 Mar 2016 (s 2(1) item 2)	--
Insolvency Law Reform Act 2016	11, 2016	29 Feb 2016	Sch 2 (item 299): 1 Mar 2017 (s 2(1) item 5)	--
ASIC Supervisory Cost Recovery Levy (Consequential Amendments) Act 2017	45, 2017	19 June 2017	Sch 1 (item 28, 29): 1 July 2017 (s 2(1) item 1)	Sch 1 (item 29)
Treasury Laws Amendment (Banking Measures No. 1) Act 2018	9, 2018	5 Mar 2018	Sch 5 (items 1-8, 15-23): 1 Jan 2019 (s 2(1) items 5, 7, 8) Sch 5 (items 9-14): 1 July 2018 (s 2(1) item 6)	--
Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Act 2018	13, 2018	5 Mar 2018	s 4: 5 Mar 2018 (s 2(1) item 1) Sch 1 (items 34-38, 44, 47-51, 58, 63-68, 72) and Sch 2 (item 5): 6 Mar 2018 (s 2(1) items 3, 5-7)	s 4 and Sch 1 (items 44, 58, 72)
Treasury Laws Amendment (Strengthening Corporate and Financial Sector Penalties) Act 2019	17, 2019	12 Mar 2019	Sch 3 (items 1-49) and Sch 5 (items 16-24): 13 Mar 2019 (s 2(1) items 2, 5, 6) Sch 5 (items 3-15): never commenced (s 2(1) item 4) Sch 5 (items 29-34): 6 Apr 2019 (s 2(1) item 8)	--
Treasury Laws Amendment (2019 Measures No. 1) Act 2019	49, 2019	5 Apr 2019	Sch 4 (items 63-65): 6 Apr 2019 (s 2(1) item 11)	Sch 4 (item 65)
Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019	50, 2019	5 Apr 2019	Sch 2 (items 13-15): 6 Apr 2019 (s 2(1) item 3)	--
Financial Sector Reform (Hayne Royal Commission Response--Protecting Consumers (2019 Measures)) Act 2020	2, 2020	17 Feb 2020	Sch 3 (items 1-5, 7-29): 18 Feb 2020 (s 2(1) item 3)	--
Financial Sector Reform (Hayne Royal Commission Response--Stronger Regulators (2019 Measures)) Act 2020	3, 2020	17 Feb 2020	Sch 1 (items 2, 13-20), Sch 3 (items 34-54, 61) and Sch 4 (items 23-38): 18 Feb 2020 (s 2(1) item 1)	--
Treasury Laws Amendment (2018 Measures No. 2) Act 2020	8, 2020	26 Feb 2020	Sch 1 (items 3-7): 27 Feb 2020 (s 2(1) item 2)	--
Treasury Laws Amendment (2019 Measures No. 3) Act 2020	64, 2020	22 June 2020	Sch 3 (items 34-39): 23 June 2020 (s 2(1) item 4)	--
Treasury Laws Amendment (Registries Modernisation and Other Measures) Act 2020	69, 2020	22 June 2020	Sch 1 (items 14-19): 4 Apr 2021 (s 2(1) item 2) Sch 1 (items 1386-1413, 1465-1467): awaiting commencement (s 2(1) item 5)	Sch 1 (items 1465-1467) and Sch 1 (item 1468)
as amended by
Treasury Laws Amendment (2021 Measures No. 5) Act 2021	127, 2021	7 Dec 2021	Sch 3 (item 105): 22 June 2020 (s 2(1) item 8)	--
Treasury Laws Amendment (2022 Measures No. 1) Act 2022	35, 2022	9 Aug 2022	Sch 4 (items 7, 9): 21 June 2022 (s 2(1) item 5) Sch 4 (item 15): 10 Aug 2022 (s 2(1) item 6)	Sch 4 (item 9)
Financial Sector Reform (Hayne Royal Commission Response) Act 2020	135, 2020	17 Dec 2020	Sch 1 (items 9-13) and Sch 4 (items 14, 15): 1 Jan 2021 (s 2(1) items 2, 6) Sch 10 (items 12-15) and Sch 11 (items 12-17): 1 Oct 2021 (s 2(1) item 11)	--
Treasury Laws Amendment (2020 Measures No. 6) Act 2020	141, 2020	17 Dec 2020	Sch 4 (items 59, 60): 18 Dec 2020 (s 2(1) item 6)	--
Territories Legislation Amendment Act 2020	154, 2020	17 Dec 2020	Sch 2 (items 56-63): 2 Aug 2021 (s 2(1) item 4) Sch 2 (item 86): 1 Sept 2021 (s 2(1) item 7) Note: This amending title was affected by an editorial change (see C2021C00347)	--
National Consumer Credit Protection Amendment (Mandatory Credit Reporting and Other Measures) Act 2021	5, 2021	16 Feb 2021	Sch 1 (items 1-10): 17 Feb 2021 (s 2(1) item 2) Sch 2 (items 15-21): 1 July 2022 (s 2(1) item 4)	--
Federal Circuit and Family Court of Australia (Consequential Amendments and Transitional Provisions) Act 2021	13, 2021	1 Mar 2021	Sch 2 (items 602-611): 1 Sept 2021 (s 2(1) item 5)	--
Treasury Laws Amendment (2021 Measures No. 4) Act 2021	72, 2021	30 June 2021	Sch 4 (item 2): 1 July 2021 (s 2(1) item 5)	--
Financial Sector Reform (Hayne Royal Commission Response--Better Advice) Act 2021	115, 2021	28 Oct 2021	Sch 1 (items 102-105): 1 Jan 2022 (s 2(1) item 2)	--
Treasury Laws Amendment (2021 Measures No. 5) Act 2021	127, 2021	7 Dec 2021	Sch 3 (items 28-31): 8 Dec 2021 (s 2(1) item 4)	--
Corporate Collective Investment Vehicle Framework and Other Measures Act 2022	8, 2022	22 Feb 2022	Sch 8 (items 19-21): 23 Feb 2022 (s 2(1) item 9)	--
Financial Sector Reform Act 2022	87, 2022	12 Dec 2022	Sch 4 (items 1-56, 63-77): 12 June 2023 (s 2(1) items 6, 9) Sch 4 (items 57-59): 19 Dec 2022 (s 2(1) item 7) Sch 4 (items 60-62): 13 Dec 2022 (s 2(1) item 8)	--
National Anti-Corruption Commission (Consequential and Transitional Provisions) Act 2022	89, 2022	12 Dec 2022	Sch 1 (item 123): awaiting commencement (s 2(1) item 2)	--

 

Endnote 4--Amendment history

 

Provision affected	How affected
Chapter 1
Part 1-2
Division 2
s 5........................................	am No 9, 2010; No 46, 2011; No 84, 2011; No 130, 2012; No 13, 2013; No 11, 2016; No 9, 2018; No 13, 2018; No 17, 2019; No 2, 2020; No 3, 2020; No 69, 2020; No 135, 2020; No 154, 2020; No 5, 2021; No 13, 2021; No 87, 2022 (Sch 4 items 1, 20, 74)
Division 3
s 6........................................	am No 84, 2011
Division 4
s 11......................................	rep No 13, 2018
s 15A...................................	ad No 2, 2020
s 15B...................................	ad No 2, 2020
s 15C...................................	ad No 2, 2020
s 16A...................................	ad No 3, 2020
s 16B...................................	ad No 69, 2020
Part 1-3
Division 2
s. 18.....................................	am. No. 9, 2010; No. 46, 2011
s. 19.....................................	am. No. 9, 2010
s. 20.....................................	am. No. 9, 2010
Chapter 2
Part 2-1
Division 1
s. 27.....................................	am. No. 130, 2012
Division 2
s 29......................................	am No 17, 2019; No 8, 2020
Division 3
Division 3 heading...............	rs. No. 130, 2012
s 30......................................	am No 17, 2019
s 31......................................	am No 17, 2019
s 32......................................	am No 17, 2019
s. 33.....................................	rep. No. 130, 2012
Part 2-2
Division 3
s 37......................................	am No 3, 2020
s 37A...................................	ad No 3, 2020
s 37B...................................	ad No 3, 2020
Division 4
s 45......................................	am No 3, 2020
s 46A...................................	ad No 3, 2020
Division 5
Subdivision A
Subdivision A heading.........	ad No 135, 2020
s 47......................................	am No 13, 2018; No 17, 2019; No 135, 2020
Subdivision B
Subdivision B heading.........	ad No 135, 2020
s 49......................................	am No 17, 2019; No 3, 2020
s 50......................................	am No 17, 2019
s 50A...................................	ad No 135, 2020
	am No 8, 2022
s 50B...................................	ad No 135, 2020
s 50C...................................	ad No 135, 2020
s 50D...................................	ad No 135, 2020
s 51......................................	am No 17, 2019
Subdivision C
Subdivision C......................	ad No 135, 2020
s 51A...................................	ad No 135, 2020
s 51B...................................	ad No 135, 2020
s 51C...................................	ad No 135, 2020
Subdivision D
Subdivision D heading.........	ad No 135, 2020
s 52......................................	am No 17, 2019
s 53......................................	am No 17, 2019
s 53A...................................	ad No 3, 2020
s 53B...................................	ad No 3, 2020
s 53C...................................	ad No 135, 2020
Division 6
Subdivision A
s 54......................................	am No 45, 2017; No 3, 2020
s 55......................................	am No 3, 2020
Part 2-3
Division 2
s 64......................................	am No 13, 2018
s 65......................................	am No 13, 2018
s 69......................................	am No 17, 2019
s 70......................................	am No 17, 2019
s 71......................................	am No 17, 2019; No 69, 2020
s 72......................................	am No 69, 2020
Division 3
s 73......................................	am No 17, 2019; No 154, 2020
Part 2-4
Division 1
s 79......................................	rs No 3, 2020
Division 2
s 80......................................	am No 3, 2020; No 115, 2021
s 81......................................	am No 3, 2020
s 82......................................	am No 17, 2019
Division 3
s 86......................................	am No 3, 2020
Part 2-5
Division 2
s 88......................................	am No 17, 2019
s 92......................................	am No 2, 2020
s 95......................................	am No 17, 2019
Division 3
s 98......................................	am No 17, 2019
s 99......................................	am No 17, 2019
s 100....................................	am No 17, 2019; No 64, 2020
Division 4
s 102....................................	am No 17, 2019
s 104....................................	am No 17, 2019
s 106....................................	am No 3, 2020
Part 2-6
Division 2
s 109....................................	am No 49, 2019
s 110....................................	am No 8, 2020
Chapter 3
Part 3-1
Division 1
s 111....................................	am No 130, 2012; No 2, 2020; No 87, 2022
Division 2
s 113....................................	am No 13, 2018; No 17, 2019; No 2, 2020
Division 3
s 114....................................	am No 17, 2019
Division 4
s 115....................................	am No 17, 2019
s 117....................................	am No 130, 2012; No 17, 2019; No 87, 2022
s 118....................................	am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022
s 119....................................	am No 9, 2018; No 17, 2019
s 120....................................	am No 17, 2019
Division 5
Division 5 heading...............	am No 2, 2020
s 121....................................	am No 17, 2019; No 2, 2020
s 122....................................	am No 17, 2019
Division 6
s 123....................................	am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022
s 124....................................	am No 9, 2018; No 17, 2019
Division 7
Division 7............................	ad No 130, 2012
s 124A.................................	ad No 130, 2012
	am No 17, 2019
s 124B.................................	ad No 130, 2012
	am No 17, 2019
	rs No 87, 2022
s 124C.................................	ad No 87, 2022
Part 3-2
Part 3-2 heading...................	rs. No. 84, 2011
Division 1
s. 125...................................	am. No. 130, 2012
Division 2
s 126....................................	am No 13, 2018; No 17, 2019
s 127....................................	am No 13, 2018; No 17, 2019
Division 3
Division 3 heading...............	rs No 130, 2012
s 128....................................	am No 130, 2012; No 17, 2019
s 129....................................	am No 130, 2012
s 130....................................	am No 130, 2012; No 17, 2019; No 87, 2022
s 131....................................	am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022
s 132....................................	am No 17, 2019
Division 4
s 133....................................	am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022
Part 3-2A
Part 3-2A.............................	ad. No. 84, 2011
Division 1
s. 133A................................	ad. No. 84, 2011
Division 2
s. 133AA.............................	ad. No. 84, 2011
s. 133AB..............................	ad. No. 84, 2011
s 133AC...............................	ad No 84, 2011
	am No 17, 2019
s 133AD..............................	ad No 84, 2011
	am No 17, 2019
s 133AE...............................	ad No 84, 2011
	am No 17, 2019
s. 133AF..............................	ad. No. 84, 2011
Part 3-2B
Part 3-2B..............................	ad. No. 84, 2011
Division 1
s 133B.................................	ad No 84, 2011
	am No 9, 2018
Division 2
s. 133BA..............................	ad. No. 84, 2011
Division 3
s 133BB...............................	ad No 84, 2011
s 133BC...............................	ad No 84, 2011
	am No 17, 2019
s 133BD...............................	ad No 84, 2011
	am No 17, 2019
Division 4
Division 4 heading...............	rs No 9, 2018
s 133BE...............................	ad No 84, 2011
	am No 9, 2018; No 17, 2019
s 133BF...............................	ad No 84, 2011
	rep No 9, 2018
	ad No 9, 2018
	am No 17, 2019
s 133BFA.............................	ad No 9, 2018
	am No 17, 2019
s 133BFB.............................	ad No 9, 2018
	am No 17, 2019
s 133BFC.............................	ad No 9, 2018
	am No 17, 2019
s 133BG...............................	ad No 84, 2011
	rep No 9, 2018
Division 5
s 133BH...............................	ad No 84, 2011
	am No 17, 2019
s 133BI................................	ad No 84, 2011
s 133BJ................................	ad No 84, 2011
	am No 17, 2019
Division 6
s 133BO...............................	ad No 84, 2011
	am No 17, 2019
s. 133BP..............................	ad. No. 84, 2011
s. 133BQ..............................	ad. No. 84, 2011
s. 133BR..............................	ad. No. 84, 2011
Division 7
Division 7............................	ad No 9, 2018
s 133BS...............................	ad No 9, 2018
	am No 17, 2019
Division 8
Division 8............................	ad No 9, 2018
s 133BT...............................	ad No 9, 2018
	am No 17, 2019
s 133BU...............................	ad No 9, 2018
	am No 17, 2019
s 133BV...............................	ad No 9, 2018
	am No 17, 2019
s 133BW..............................	ad No 9, 2018
	am No 17, 2019
Part 3-2C
Part 3-2C..............................	ad. No. 130, 2012
Division 1
s 133C.................................	ad No 130, 2012
	am No 87, 2022
Division 2
s 133CA...............................	ad No 130, 2012
	am No 17, 2019
s 133CB...............................	ad No 130, 2012
	am No 17, 2019
	rs No 87, 2022
s 133CC...............................	ad No 130, 2012
	am No 17, 2019; No 87, 2022
s 133CD...............................	ad No 87, 2022
s 133CE...............................	ad No 87, 2022
s 133CF...............................	ad No 87, 2022
Part 3-2CA
Part 3-2CA...........................	ad No 5, 2021
Division 1
s 133CM..............................	ad No 5, 2021
s 133CN...............................	ad No 5, 2021
s 133CO...............................	ad No 5, 2021
s 133CP...............................	ad No 5, 2021
	am No 5, 2021
s 133CQ...............................	ad No 5, 2021
Division 2
Subdivision A
s 133CR...............................	ad No 5, 2021
s 133CS...............................	ad No 5, 2021
s 133CT...............................	ad No 5, 2021
Subdivision B
s 133CU...............................	ad No 5, 2021
	am No 5, 2021
s 133CV...............................	ad No 5, 2021
s 133CW..............................	ad No 5, 2021
Subdivision C
s 133CX...............................	ad No 5, 2021
s 133CY...............................	ad No 5, 2021
s 133CZ...............................	ad No 5, 2021
Division 3
s 133CZA............................	ad No 5, 2021
s 133CZB.............................	ad No 5, 2021
Division 4
s 133CZC.............................	ad No 5, 2021
s 133CZD............................	ad No 5, 2021
s 133CZE.............................	ad No 5, 2021
Division 5
s 133CZF.............................	ad No 5, 2021
s 133CZG............................	ad No 5, 2021
s 133CZH............................	ad No 5, 2021
s 133CZI..............................	ad No 5, 2021
s 133CZJ..............................	ad No 5, 2021
Division 6
s 133CZK............................	ad No 5, 2021
s 133CZL.............................	ad No 5, 2021
s 133CZM............................	ad No 5, 2021
s 133CZN............................	ad No 5, 2021
Part 3-2D
Part 3-2D.............................	ad No 130, 2012
s 133DA..............................	ad No 130, 2012
s 133DB...............................	ad No 130, 2012
	am No 17, 2019
s 133DC...............................	ad No 130, 2012
	am No 17, 2019
s 133DD..............................	ad No 130, 2012
	am No 17, 2019
s 133DE...............................	ad No 130, 2012
	am No 17, 2019
Part 3-3
Division 1
s 134....................................	am No 2, 2020; No 87, 2022
Division 2
s 136....................................	am No 13, 2018; No 17, 2019; No 2, 2020
Division 3
s 137....................................	am No 17, 2019
Division 4
s 138....................................	am No 17, 2019
s 140....................................	am No 17, 2019; No 87, 2022
s 141....................................	am No 17, 2019
s 142....................................	am No 17, 2019
s 143....................................	am No 17, 2019
Division 5
Division 5 heading...............	am No 2, 2020
s 144....................................	am No 17, 2019; No 2, 2020
s 145....................................	am No 17, 2019
Division 6
s 146....................................	am No 17, 2019
s 147....................................	am No 130, 2012; No 17, 2019
Division 7
Division 7............................	ad No 87, 2022
s 147A.................................	ad No 87, 2022
s 147B.................................	ad No 87, 2022
Part 3-4
Division 1
s 148....................................	am No 130, 2012; No 87, 2022
Division 2
s 149....................................	am No 13, 2018; No 17, 2019
s 150....................................	am No 13, 2018; No 17, 2019
Division 3
Division 3 heading...............	rs No 130, 2012
s 151....................................	rs No 130, 2012
	am No 17, 2019; No 64, 2020
s. 152...................................	am. No. 130, 2012
s 153....................................	am No 130, 2012; No 17, 2019; No 87, 2022
s 154....................................	am No 17, 2019
s 155....................................	am No 17, 2019
Division 4
s 156....................................	am No 17, 2019
Division 5
Division 5............................	ad No 87, 2022
s 156A.................................	ad No 87, 2022
s 156B.................................	ad No 87, 2022
s 156C.................................	ad No 87, 2022
Part 3-5
Division 2
s 158....................................	am No 5, 2011; No 13, 2018; No 17, 2019; No 2, 2020
Part 3-5A
Part 3-5A.............................	ad No 2, 2020
Division 1
Subdivision A
s 158K.................................	ad No 2, 2020
Subdivision B
s 158KA..............................	ad No 2, 2020
s 158KB...............................	ad No 2, 2020
s 158KC...............................	ad No 2, 2020
Division 2
Subdivision A
s 158L.................................	ad No 2, 2020
s 158LA...............................	ad No 2, 2020
s 158LB...............................	ad No 2, 2020
Subdivision B
s 158LD...............................	ad No 2, 2020
s 158LE...............................	ad No 2, 2020
s 158LF...............................	ad No 2, 2020
Division 4
Subdivision A
s 158N.................................	ad No 2, 2020
s 158NA..............................	ad No 2, 2020
Subdivision B
s 158NB...............................	ad No 2, 2020
s 158NC...............................	ad No 2, 2020
Subdivision C
s 158ND..............................	ad No 2, 2020
s 158NE...............................	ad No 2, 2020
s 158NF...............................	ad No 2, 2020
Division 6
s 158T.................................	ad No 2, 2020
Part 3-6
Division 2
s 160....................................	am No 13, 2018; No 17, 2019; No 2, 2020
Part 3-6A
Part 3-6A.............................	ad. No. 130, 2012
Division 1
s 160A.................................	ad No 130, 2012
	am No 9, 2018; No 87, 2022
Division 2
s 160B.................................	ad No 130, 2012
	am No 17, 2019; No 2, 2020
s 160C.................................	ad No 130, 2012
	am No 17, 2019; No 8, 2020
Division 2A
Division 2A.........................	ad No 87, 2022
s 160CA...............................	ad No 87, 2022
s 160CB...............................	ad No 87, 2022
Division 3
s 160D.................................	ad No 130, 2012
	am No 17, 2019
Division 4
s 160E.................................	ad No 130, 2012
	am No 17, 2019
Division 5
Division 5............................	ad No 9, 2018
s 160F..................................	ad No 9, 2018
Division 6
Division 6............................	ad No 87, 2022
s 160G.................................	ad No 87, 2022
Part 3-7
Division 2
s 163....................................	am No 49, 2019
Chapter 4
Part 4-1
Division 2
s 167....................................	am No 17, 2019; No 141, 2020
s 167A.................................	ad No 17, 2019
s 167B.................................	ad No 17, 2019
s 167C.................................	ad No 17, 2019
s 167D.................................	ad No 17, 2019
Division 3
s 169....................................	rs No 17, 2019
s 171....................................	am No 17, 2019
s 172....................................	am No 17, 2019
s 173....................................	am No 17, 2019
s 174....................................	am No 17, 2019
s 175....................................	am No 17, 2019
s 175A.................................	ad No 17, 2019
s 175B.................................	ad No 17, 2019
s 175C.................................	ad No 17, 2019
s 175D.................................	ad No 17, 2019
s 175E.................................	ad No 17, 2019
Part 4-2
Division 2
s. 179...................................	am. No. 130, 2012
s. 180...................................	am. No. 130, 2012
s. 180A................................	ad. No. 130, 2012
s 181....................................	am No 130, 2012
	rs No 17, 2019
s. 184...................................	am. No. 130, 2012
Part 4-3
Division 1
s 185....................................	am No 13, 2013; No 13, 2021
Division 2
Subdivision B
s 187....................................	am No 13, 2013; No 154, 2020; No 13, 2021
s 189....................................	am No 13, 2013; No 154, 2020 (amdt never applied (Sch 2 item 86)); No 13, 2021
Subdivision C
s 191....................................	am No 13, 2013; No 13, 2021
s 194....................................	am No 141, 2020
Subdivision D
s 199....................................	am No 130, 2012; No 13, 2013; No 13, 2021
s. 200...................................	am. No. 130, 2012
Division 3
Subdivision B
s 204....................................	am No 154, 2020
s 207....................................	am No 17, 2019
Chapter 5
Part 5-1
Part 5-1 heading...................	rs No 69, 2020
Division 1
s 212....................................	rs No 69, 2020
Division 1A
Division 1A.........................	ad No 69, 2020
Subdivision A
s 212A.................................	ad No 69, 2020
s 212B.................................	ad No 69, 2020
s 212C.................................	ad No 69, 2020
s 212D.................................	ad No 69, 2020
s 212E.................................	ad No 69, 2020
s 212F..................................	ad No 69, 2020
s 212G.................................	ad No 69, 2020
Subdivision B
s 212H.................................	ad No 69, 2020
s 212J..................................	ad No 69, 2020
s 212K.................................	ad No 69, 2020
Subdivision C
s 212L.................................	ad No 69, 2020
s 212M................................	ad No 69, 2020
s 212N.................................	ad No 69, 2020
s 212P..................................	ad No 69, 2020
s 212Q.................................	ad No 69, 2020
s 212R.................................	ad No 69, 2020
Subdivision D
s 212S..................................	ad No 69, 2020
s 212T.................................	ad No 69, 2020
s 212U.................................	ad No 69, 2020
Division 2
Division 2 heading...............	am No 69, 2020
s 213....................................	rs No 69, 2020
s 214....................................	rep No 69, 2020
Part 5-2
Division 2
s 218....................................	am No 17, 2019
Division 3
s 220....................................	am No 17, 2019
Division 4
s 225....................................	am No 17, 2019
	rs No 3, 2020
Part 5-3
Division 2
s 227....................................	am No 17, 2019; No 69, 2020
s 228....................................	am No 17, 2019
s 229....................................	am No 17, 2019
Part 5-4
Division 2
s 233....................................	am No 69, 2020
s 236....................................	am No 69, 2020
s 237....................................	am No 69, 2020
Part 5-5
Division 1A
Division 1A.........................	ad No 135, 2020
Subdivision A
s 238A.................................	ad No 135, 2020
s 238B.................................	ad No 135, 2020
s 238C.................................	ad No 135, 2020
s 238D.................................	ad No 135, 2020
s 238E.................................	ad No 135, 2020
Subdivision B
s 238F..................................	ad No 135, 2020
s 238G.................................	ad No 135, 2020
Division 2
s 240....................................	am No 17, 2019; No 69, 2020
s 241....................................	rep No 135, 2020
s 243....................................	am No 3, 2020
s 245....................................	am No 13, 2018
Part 6-2
Division 2
s 256....................................	am No 17, 2019
s 259....................................	am No 17, 2019
s 260....................................	am No 17, 2019
Part 6-3
Division 1
s 262....................................	am No 3, 2020
Division 2
s 263....................................	am No 3, 2020; No 64, 2020
s 265....................................	am No 5, 2021
s 266....................................	am No 49, 2019; No 5, 2021
s 267....................................	am No 5, 2021
s 269....................................	rep No 3, 2020
s 270....................................	rep No 3, 2020
s 271....................................	am No 3, 2020
Part 6-3A
Part 6-3A.............................	ad No 3, 2020
Division 1
s 272A.................................	ad No 3, 2020
Division 2
Subdivision A
s 272B.................................	ad No 3, 2020
s 272C.................................	ad No 3, 2020
Subdivision B
s 272D.................................	ad No 3, 2020
s 272E.................................	ad No 3, 2020
s 272F..................................	ad No 3, 2020
	am No 89, 2022
s 272G.................................	ad No 3, 2020
Part 6-5
Division 2
s 281....................................	am No 69, 2020
s 282....................................	am No 17, 2019
Part 6-5A
Part 6-5A.............................	ad No 17, 2019
Division 1
s 288A.................................	ad No 17, 2019
Division 2
s 288B.................................	ad No 17, 2019
s 288C.................................	ad No 17, 2019
s 288D.................................	ad No 17, 2019
s 288E.................................	ad No 17, 2019
s 288F..................................	ad No 17, 2019
s 288G.................................	ad No 17, 2019
Part 6-5B
Part 6-5B..............................	ad No 17, 2019
Division 1
s 288H.................................	ad No 17, 2019
Division 2
s 288J..................................	ad No 17, 2019
s 288K.................................	ad No 17, 2019
	am No 135, 2020
s 288L.................................	ad No 17, 2019
	am No 127, 2021
s 288M................................	ad No 17, 2019
	am No 127, 2021
s 288N.................................	ad No 17, 2019
s 288P..................................	ad No 17, 2019
s 288Q.................................	ad No 17, 2019
s 288R.................................	ad No 17, 2019
s 288S..................................	ad No 17, 2019
Part 6-6
Part 6-6 heading...................	rs No 17, 2019
Division 2
s 290....................................	am No 17, 2019
s 291....................................	am No 17, 2019
s 292....................................	am No 17, 2019
	rep No 3, 2020
s 293....................................	am No 17, 2019
s 294....................................	am No 17, 2019
s 296....................................	am No 17, 2019
Part 6-7
Division 2
s 301....................................	am No 17, 2019
Part 6-7A
Part 6-7A.............................	ad No 50, 2019
Division 1
s 301A.................................	ad No 50, 2019
Division 2
s 301B.................................	ad No 50, 2019
s 301C.................................	ad No 50, 2019
s 301D.................................	ad No 50, 2019
	am No 72, 2021
s 301E.................................	ad No 50, 2019
s 301F..................................	ad No 50, 2019
s 301G.................................	ad No 50, 2019
s 301H.................................	ad No 50, 2019
s 301J..................................	ad No 50, 2019
s 301K.................................	ad No 50, 2019
s 301L.................................	ad No 50, 2019
s 301M................................	ad No 50, 2019
s 301N.................................	ad No 50, 2019
s 301P..................................	ad No 50, 2019
	am No 17, 2019
Part 6-8
Division 2
s 307....................................	am No 5, 2021
Part 6-9
Division 2
s 319....................................	am No 17, 2019
Chapter 7
Part 7-1
Division 1
s 323....................................	am No 69, 2020; No 87, 2022
Division 1A
Division 1A.........................	ad No 87, 2022
s 323A.................................	ad No 87, 2022
s 323B.................................	ad No 87, 2022
s 323C.................................	ad No 87, 2022
s 323D.................................	ad No 87, 2022
Division 3
Division 3 heading...............	rs No 69, 2020
s 327....................................	am No 50, 2019; No 69, 2020 (Sch 1 items 1411, 1412); No 135, 2020
s 328....................................	am No 69, 2020
Division 4
s 331....................................	rep No 17, 2019
Division 5
s 335A.................................	ad No 130, 2012
	am No. 130, 2012
	rep No 87, 2022
s 337....................................	am No 50, 2019
Schedule 1
Part 1
s 13......................................	am No 17, 2019
s 13A...................................	ad No 130, 2012
Part 2
Division 1
s. 17.....................................	am. No. 130, 2012
s. 18A..................................	ad. No. 130, 2012
s. 18B..................................	ad. No. 130, 2012
s 18C...................................	ad No 130, 2012
	am No 17, 2019
s. 19.....................................	am. No. 130, 2012
s. 22.....................................	am. No. 130, 2012
Division 2
s. 23.....................................	am. No. 84, 2011; No. 130, 2012
s. 23A..................................	ad. No. 130, 2012
s 24......................................	am No 130, 2012; No 17, 2019
s. 24A..................................	ad. No. 130, 2012
s. 26.....................................	am. No. 130, 2012
Division 3
s. 27A..................................	ad. No. 130, 2012
s 30B...................................	ad No 84, 2011
	am No 17, 2019
Division 4
s. 31.....................................	am. No. 130, 2012
s. 31A..................................	ad. No. 130, 2012
s. 31B..................................	ad. No. 130, 2012
s 31C...................................	ad No 87, 2022
s. 32.....................................	rs. No. 130, 2012
Division 4A
Division 4A	ad. No. 130, 2012
s. 32A..................................	ad. No. 130, 2012
s. 32AA...............................	ad. No. 130, 2012
s. 32B..................................	ad. No. 130, 2012
Division 5
s. 33.....................................	am. No. 84, 2011; No. 130, 2012
s. 34.....................................	am. No. 84, 2011; No. 130, 2012
s. 36.....................................	am. No. 130, 2012
s. 38.....................................	am. No. 130, 2012
Division 5A
Division 5A.........................	ad. No. 130, 2012
s. 39A..................................	ad. No. 130, 2012
s 39B...................................	ad No 130, 2012
	am No 17, 2019
s. 39C..................................	ad. No. 130, 2012
Division 6
Division 6............................	rs. No. 130, 2012
s. 40.....................................	rs. No. 130, 2012
Part 3
Division 1
s 50......................................	am No 64, 2020
Part 4
Division 1
s 67......................................	am No 5, 2021
s. 67A..................................	ad. No. 130, 2012
Division 2
s. 71.....................................	am. No. 130, 2012
Division 3
s 72......................................	am No 5, 2011
	rs No 130, 2012
	am No 13, 2018; No 17, 2019; No 87, 2022
s. 73.....................................	am. No. 130, 2012
s. 74.....................................	am. No. 130, 2012
s. 76.....................................	am. No. 130, 2012
Part 5
Division 1
Division 1 heading...............	rs. No. 130, 2012
Subdivision A
Subdivision A heading.........	ad. No. 130, 2012
s 82......................................	am No 87, 2022
s. 83.....................................	am. No. 130, 2012
Subdivision B
Subdivision B......................	ad. No. 130, 2012
s. 86A..................................	ad. No. 130, 2012
s. 86B..................................	ad. No. 130, 2012
s. 86C..................................	ad. No. 130, 2012
s. 86D..................................	ad. No. 130, 2012
s. 86E..................................	ad. No. 130, 2012
s. 86F...................................	ad. No. 130, 2012
Subdivision C
Subdivision C heading.........	ad. No. 130, 2012
s. 87.....................................	am. No. 130, 2012
Division 2
s 88......................................	am No 130, 2012; No 197, 2012; No 13, 2018
s. 89.....................................	am. No. 130, 2012
s. 89A..................................	ad. No. 130, 2012
s. 92.....................................	rep. No. 130, 2012
s. 93.....................................	am. No. 130, 2012
s. 93A..................................	ad. No. 130, 2012
Division 3
s. 94.....................................	am. No. 5, 2011; No. 130, 2012; No 13, 2018
s. 95.....................................	am. No. 5, 2011; No. 130, 2012
Division 4
s. 98.....................................	am. No. 130, 2012
Part 6
Part 6 heading......................	am No 87, 2022
Division 1
s 111....................................	am No 130, 2012; No 87, 2022
s 112....................................	am No 87, 2022
s 113....................................	am No 87, 2022
s 114....................................	am No 130, 2012
s 114A.................................	ad No 87, 2022
s 115....................................	am No 62, 2014; No 87, 2022
s 116....................................	am No 17, 2019
	rs No 87, 2022
s 117....................................	rs No 87, 2022
s 118....................................	rs No 87, 2022
s 119....................................	rs No 87, 2022
s 120....................................	am No 87, 2022
s 121....................................	am No 87, 2022
Division 2
s 124....................................	am No 130, 2012; No 87, 2022
Part 7
Division 1
s. 127...................................	am. No. 130, 2012
Division 3
s 129....................................	am No 130, 2012
s 130....................................	am No 130, 2012
s 131....................................	am No 130, 2012
s 132....................................	am No 130, 2012
s 133....................................	am No 130, 2012
Part 8
s 145....................................	am No 135, 2020
Part 9
s 150....................................	am No 64, 2020
s 154....................................	am No 17, 2019
s 155....................................	rs No 17, 2019
s 156....................................	am No 17, 2019
Part 11
Division 1
s 171....................................	am No 87, 2022
s 172....................................	am No 17, 2019
Division 2
s. 173...................................	am. No. 130, 2012
s. 173A................................	ad. No. 130, 2012
s 174....................................	am No 17, 2019; No 87, 2022
s. 174A................................	ad. No. 130, 2012
Division 3 heading...............	rep. No. 130, 2012
Division 4
Division 4............................	ad. No. 130, 2012
s. 175A................................	ad. No. 130, 2012
s 175AA..............................	ad No 87, 2022
s 175AB...............................	ad No 87, 2022
s 175AC...............................	ad No 87, 2022
s 175B.................................	ad No 130, 2012
Division 5
Division 5............................	ad. No. 130, 2012
Subdivision A
s. 175C................................	ad. No. 130, 2012
s. 175D................................	ad. No. 130, 2012
s. 175E................................	ad. No. 130, 2012
s. 175F.................................	ad. No. 130, 2012
s. 175G................................	ad. No. 130, 2012
Subdivision B
s 175H.................................	ad No 130, 2012
	am No 87, 2022
Division 6
Division 6............................	ad. No. 130, 2012
s. 175J.................................	ad. No. 130, 2012
s. 176...................................	rep. No. 130, 2012
s. 177...................................	rep. No. 130, 2012
Division 7
Division 7............................	ad. No. 130, 2012
Subdivision A
s. 177A................................	ad. No. 130, 2012
Subdivision B
s 177B.................................	ad No 130, 2012
	am No 13, 2018; No 17, 2019; No 87, 2022
s. 177C................................	ad. No. 130, 2012
s. 177D................................	ad. No. 130, 2012
s. 177E................................	ad. No. 130, 2012
s. 177F.................................	ad. No. 130, 2012
s. 177G................................	ad. No. 130, 2012
s. 177H................................	ad. No. 130, 2012
s. 177J.................................	ad. No. 130, 2012
s. 177K................................	ad. No. 130, 2012
Division 8
Division 8 heading...............	ad. No. 130, 2012
Subdivision A
Subdivision A heading.........	ad. No. 130, 2012
Subdivision B
Subdivision B heading.........	ad. No. 130, 2012
s. 178A................................	ad. No. 130, 2012
s 179....................................	am No 130, 2012; No 87, 2022
s. 179A................................	ad. No. 130, 2012
s. 179B................................	ad. No. 130, 2012
s. 179C................................	ad. No. 130, 2012
Subdivision C
Subdivision C......................	ad. No. 130, 2012
s. 179D................................	ad. No. 130, 2012
	am No 197, 2012; No 13, 2018
s. 179E................................	ad. No. 130, 2012
s. 179F.................................	ad. No. 130, 2012
s. 179G................................	ad. No. 130, 2012
s 179GA..............................	ad No 87, 2022
Subdivision D
Subdivision D......................	ad. No. 130, 2012
s. 179H................................	ad. No. 130, 2012
	am No 13, 2018
s. 179J.................................	ad. No. 130, 2012
s. 179K................................	ad. No. 130, 2012
s. 179L................................	ad. No. 130, 2012
Subdivision E
Subdivision E......................	ad. No. 130, 2012
s. 179M...............................	ad. No. 130, 2012
s. 179N................................	ad. No. 130, 2012
s. 179P.................................	ad. No. 130, 2012
s. 179Q................................	ad. No. 130, 2012
Subdivision F
Subdivision F.......................	ad. No. 130, 2012
s. 179R................................	ad. No. 130, 2012
Division 9
Division 9............................	ad. No. 130, 2012
Subdivision A
s. 179S.................................	ad. No. 130, 2012
Subdivision B
s. 179T................................	ad. No. 130, 2012
Division 10
Division 10..........................	ad No 130, 2012
s 179U.................................	ad No 130, 2012
	am No 17, 2019
s 179V.................................	ad No 130, 2012
	am No 17, 2019
s 179VA..............................	ad No 87, 2022
s 179VB...............................	ad No 87, 2022
s 179VC...............................	ad No 87, 2022
Division 11
Division 11..........................	ad. No. 130, 2012
s. 179W...............................	ad. No. 130, 2012
Part 12
Division 2
s. 185A................................	ad. No. 130, 2012
Part 13
s 204....................................	am No 46, 2011; No 84, 2011; No 130, 2012; No 13, 2018; No 135, 2020; No 154, 2020; No 87, 2022
Part 14
Division 2
s 206....................................	rep No 130, 2012