Commonwealth Consolidated Regulations Commonwealth Consolidated RegulationsSelect Legislative Instrument No. 44, 2010
National Consumer Credit Protection Act 2009
Compilation No. 51
Compilation date: 14 October 2024
Includes amendments: F2024L01299
About this compilation
This compilation
This is a compilation of the National Consumer Credit Protection Regulations 2010 that shows the text of the law as amended and in force on 14 October 2024 (the compilation date).
The notes at the end of this compilation (the endnotes) include information about amending laws and the amendment history of provisions of the compiled law.
Uncommenced amendments
The effect of uncommenced amendments is not shown in the text of the compiled law. Any uncommenced amendments affecting the law are accessible on the Register (www.legislation.gov.au). The details of amendments made up to, but not commenced at, the compilation date are underlined in the endnotes. For more information on any uncommenced amendments, see the Register for the compiled law.
Application, saving and transitional provisions for provisions and amendments
If the operation of a provision or amendment of the compiled law is affected by an application, saving or transitional provision that is not included in this compilation, details are included in the endnotes.
Editorial changes
For more information about any editorial changes made in this compilation, see the endnotes.
Modifications
If the compiled law is modified by another law, the compiled law operates as modified but the modification does not amend the text of the law. Accordingly, this compilation does not show the text of the compiled law as modified. For more information on any modifications, see the Register for the compiled law.
Self-repealing provisions
If a provision of the compiled law has been repealed in accordance with a provision of the law, details are included in the endnotes.
Contents
Chapter 1--Preliminary
1 Name of Regulations
4 Meaning of associate
4A Debt management services
4B Meaning of debt management assistance
4C Meaning of credit reporting assistance
4D Small amount credit contracts--credit limit increase to cover fees
5 Prescribed orders
6 Forms
Chapter 2--Licensing of persons who engage in credit activities
Part 2-1--Australian credit licences
7 How to get an Australian credit licence--requirements for a foreign entity to appoint local agent
7A When licence may be granted--continuous credit activity
8 How to get an Australian credit licence--streamlined process for particular classes of applicants
9 The conditions on the licence
9AA The conditions on the licence--special purpose funding entity
9AB Conditions for licensee--referrals
9A Conditions for unlicensed carried over instrument lender--credit register
10 Obligations of licensees--alternative dispute resolution systems
11 Obligations of licensees--foreign entity must continue to have local agent
11A Obligations of licensees--cooperation with AFCA
12 Obligations of licensees--requirements for compensation arrangements
12A Obligations of licensees--breaches of certain civil penalty provisions not required to be reported to ASIC
12B Obligations of licensees--breaches of certain key requirements not required to be reported to ASIC
13 Obligations of licensees--offence in relation to failure to cite licence number in documents
14 Obligations of licensees--who compliance certificate must be signed by
15 When a licence can be suspended, cancelled or varied--grounds to suspend or cancel licence
Part 2-2--Authorisation of credit representatives
16 Sub-authorisation by body corporate
Part 2-3--Financial records, trust accounts and audit reports
17 Information and matters to be contained in a trust account audit report
18 Eligibility of auditors to prepare trust account audit report
19 Auditors who prepare audit reports
Part 2-4--Exemptions and modifications
Division 1--Exemptions
Subdivision 1.1--Persons exempt from being licensed
20 Persons exempt from requiring a licence--general
21 Persons exempt from requiring a licence--debt collectors
22 Persons exempt from requiring a licence--third parties
23 Persons exempt from requiring a licence--suppliers of goods or services
23A Persons exempt from requiring a licence--suppliers of goods or services with branded or co-branded credit card
23B Persons exempt from requiring a licence--fund raising special purpose entity
23C Persons exempt from requiring a licence--securitisation entity
23D Persons exempt from requiring a licence--employment agencies
Subdivision 1.2--Activities exempt from being credit activities under the Act
24 Activities exempt from being credit activities
Division 2--Modifications
25 Activities exempt from requiring a licence
25A Modifications--credit representatives
25B Modification--meaning of linked credit provider or linked lessor for regulation 23
25C Modification--meaning of linked credit provider for regulation 23A
25D Modification--meaning of services for regulations 23 and 23A
25E Modifications--unlicensed carried over instrument lender
25F Modifications--ADI in relation to carried over instrument
25G Modifications--special purpose funding entity
25H Modifications--temporary staff
25I Modifications--locums
25J Modification--exempted persons
25K Modification--credit card contracts
25L Modification--assignees of credit providers, lessors, mortgagees and beneficiaries of a guarantee
25M Modification--credit card provided before 1 July 2012
Chapter 3--Responsible lending conduct
Part 3-1--Preliminary
26 Definitions
Part 3-2--Requirements about credit guides
26A Credit guide of licensee--to include further information
26B Credit guide of credit provider or lessor--information about mortgage managers and product designers
27 Credit guide of licensees--when information about fees, charges and indirect remuneration is not required
27A Credit guide of credit representatives--to include further information
27B Credit guide of credit representatives--when information about fees, charges and indirect remuneration not required
28 Credit guide of credit representatives--contact details for the AFCA scheme
28B Credit guide--circumstances where not required to update information
Part 3-3--Requirements about quotes
28C Circumstances where no quote required
28D Quote for providing credit assistance--licensee to give information about fees and charges
Part 3-4--Requirements about proposal disclosure documents
28E Proposal disclosure document--information about fees and charges
28F Proposal disclosure document--when information about fees and charges not required
28G Proposal disclosure document--information about indirect remuneration
28H Proposal disclosure documents--when information about indirect remuneration not required
Part 3-5--Other obligations
28HA Reverse mortgages--credit assistance providers and credit providers to make reasonable inquiries
28HB Obtaining and considering information to verify financial situation of consumers
28J Obligations of credit providers before entering credit contracts or increasing credit limits
28JA Inquiries about credit limit
28L Manner of giving disclosure documents
28LA Standard home loans
28LB Key Facts Sheets for standard home loans
28LBA Key Facts Sheets for credit card contracts
28LBB Application forms in electronic form
28LBC Circumstances in which application form may include out-of-date Key Facts Sheet
28LBD Circumstances in which up-to-date information can be provided otherwise than in Key Facts Sheet
28LBE Meaning of credit limit increase invitation
28LBF Licensee to notify consumer of use of credit card in excess of credit limit
28LBG Fees charges and higher rates of interest
28LBH Records of elections and withdrawals to be kept
28LBI Agreement to apply payment against particular amount owed
28LC Reverse mortgages--presumption of unsuitability of credit contract if certain loan to value ratios exist
28LCA Small amount credit contracts--income requirements
28LCB Consumer leases for household goods--income requirements
28LCC Constrained documents and constrained information
28LCE Authorisation for deduction
28LCF Unsuitable credit contracts--prescribed circumstances
28LD Reverse mortgages--projections of home equity
28LE Reverse mortgage information statement
Part 3-6--Modifications and exemptions
28M Modifications
28N Exemption--requirement to provide disclosure documents
28P Circumstances where credit guide not required
28Q Exemption--credit assistance provider with shared responsibility for credit contract
28R Exemption--intermediary's requirement to provide proposal disclosure document
28RB Exemption relating to small businesses
Part 3-8--Licensees supplying credit information to credit reporting bodies etc.
28TA Ongoing supplies of mandatory credit information
28TB When protected information must not be on-disclosed
28TC Reports about initial bulk supplies of credit information--information to be given by licensee
28TD Reports about initial bulk supplies of credit information--information to be given by credit reporting body
Part 3-9--Mortgage brokers and mortgage intermediaries
Division 1--Interpretation
28V References to providing credit services to a consumer
28VA Meaning of amount of credit
Division 2--What is conflicted remuneration?
28VB Monetary benefit given in certain circumstances not conflicted remuneration
28VC Benefits to which the drawdown cap applies
28VD Working out the maximum drawdown net of offset for a credit contract
28VE Volume-based benefits
28VF Campaign-based benefits
28VG Clawback requirements
28VH Non-monetary benefit given in certain circumstances not conflicted remuneration
Division 3--Circumstances in which conflicted remuneration must not be accepted
28VI Circumstances in which a licensee must not accept conflicted remuneration
28VJ Circumstances in which a credit representative must not accept conflicted remuneration
Division 4--Circumstances in which conflicted remuneration must not be given
28VK Circumstances in which an employer must not give conflicted remuneration
28VL Circumstances in which a credit provider must not give conflicted remuneration
28VM Circumstances in which a mortgage intermediary must not give conflicted remuneration
Chapter 4--Administration--registers relating to credit activities
29 Credit registers--licensees, credit representatives and registered persons
30 Credit registers--persons against whom banning order or disqualification order is made
30A Credit register--unlicensed carried over instrument lender
Chapter 5--Compliance and enforcement
31 Investigations--distribution of report
32 Examination of person--form of notice requiring assistance and appearance for examination
33 Inspection of books and audit information-gathering powers--evidence of authority
34 Hearings--form of summons to appear before ASIC
35 Miscellaneous provisions--allowances and expenses
Chapter 6--Miscellaneous
Part 6-1--Court proceedings
36 Where proceedings may be brought
Part 6-2--Infringement notices
37 Prescribed offences
38 Prescribed civil penalty provisions
39 Prescribed key requirements
Part 6-2A--Avoidance schemes
40 Avoidance purposes relating to contracts
41 Avoidance purposes relating to product intervention orders
Part 6-3--Application, saving and transitional provisions
49A Transitional--Schedule 1 to National Consumer Credit Protection Amendment Regulation 2012 (No. 1)
49B Transitional--Schedule 2 to National Consumer Credit Protection Amendment Regulation 2012 (No. 1)
49C Transitional--Part 1 of Schedule 1 to the Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Regulations 2018
49D Transitional--Part 2 of Schedule 1 to the Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Regulations 2018
49E Transitional--Part 3 of Schedule 1 to the Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Regulations 2018
49F Application--offences
49G Application--civil penalty provisions
49H Transitional--Schedule 1 to the Treasury Laws Amendment (AFCA Cooperation) Regulations 2019
49J Application and transitional--Schedule 1 to the National Consumer Credit Protection Amendment (Debt Management Services) Regulations 2021
49K Application--Schedule 1 to the National Consumer Credit Protection Amendment (Financial Sector Reform) Regulations 2023
Chapter 7--Matters in relation to the National Credit Code
Part 7-1--Exemptions, declarations and other matters
50 Continued application of Part 12 of the Code and interpretation provisions
50A Exemption for short term credit
51 Exempt credit--maximum account charges
52 Additional exempt credit
53 GIO Finance Limited's No Interest Loan Scheme--exemption from Code
54 Rental Purchase Plan--exemption from certain provisions of Code
55 Partnership loans--exemption from certain provisions of Code
56 Student loans--exemption from certain provisions of Code
57 Loans for conservation of heritage items--exemption from Code
58 ADIs--exemption from Code
59 Estate administrators--exemption from certain provisions of Code
60 Credit under Aged Care Act 1997--exemption from certain provisions of Code
61 Firefighter's Benefit Fund of WA Incorporated--exemption from certain provisions of Code
62 Charge card contracts--exemption of certain contracts from Code
63 Credit providers providing credit to directors--exemption from certain provisions of Code
64 Mortgages--exemptions from Code
65 Guarantees--exemption from Code
65A Indigenous Business Australia--exemption from certain provisions of Code
65C Residential investment property loans--exemption from Code
66 Deemed mortgages for goods lease with option to purchase
67 Prescribed person in relation to a declaration
68 Declaration of purposes for which credit provided
69 Direct debit default notices--exemption for credit providers
69C Exemption--requirement to disclose information about the AFCA scheme
69D Exemption--requirement to give notice of direct debit default
Part 7-2--Credit contracts
70 Statement about debtor's statutory rights and obligations
71 Comparison rate
72 Pre-contractual statement
72A Precontractual disclosure--requirements for giving documents other than personally
72B Precontractual disclosure--requirements for giving documents by means involving electronic communication
72C Precontractual disclosure--making documents available for retrieval on an electronic document retrieval system
73 Additional disclosures about insurance financed by contract
74 Additional disclosures about credit contracts to be signed by debtor
74A Reverse mortgages--disclosure about credit contract not including tenancy protection provision
75 Deduction of amount for interest charges
76 Calculation of unpaid daily balances
77 Early debit or payment of interest charges
78 Interest charges in relation to residential investment property
79 When statement of account not required
Part 7-2A--Prohibited credit fees and charges
79A Termination fees for certain credit contracts
79AE Small amount credit contracts (fees and charges)--prescribed persons
79AB Credit provider or prescribed person must not require or accept payment of fee or charge in relation to small amount credit contract etc
79AC Prohibition relating to annual cost rate of credit contracts--later increases of annual percentage rate etc
79B Minimum Repayment Warning
Part 7-2B--Additional rules in relation to small amount credit contracts
79C Default in payment by direct debit under small amount credit contract
Part 7-3--Related mortgages and guarantees
80 Mortgage arising from certain home ownership schemes--exemption from subsection 50(1) of the Code
81 Form of guarantees
82 Explanation about guarantor's rights and obligations
Part 7-4--Changes to obligations under credit contracts, mortgages and guarantees
83 Information about increases in the amount of credit
Part 7-5--Ending and enforcing credit contracts, mortgages and guarantees
84 Information after surrender of goods
84A Market value of reverse mortgaged property
85 Information to be contained in direct debit default notice
86 Information to be contained in default notice
87 Consent to enter premises
88 Statement about mortgagor's rights and obligations
89 Information about proceeds of sale of mortgaged goods
Part 7-6--Related sale contracts
90 Rate of interest on damages
91 Informing debtor of rights
92 Rebate of consideration
Part 7-7--Related insurance contracts
93 Particulars of insurance entered into by credit provider
94 Proportionate rebate of consumer credit insurance premium
95 Notice of right to cancel mortgaged property insurance
96 Proportionate rebate of premium for insurance over mortgaged property
Part 7-8--Comparison rates
97 Relevant comparison rate where annual percentage rate stated
98 Information about whether comparison rate relates to secured loan
99 Warnings about comparison rate
100 Calculation of comparison rates
Part 7-9--Consumer leases
102 Consumer lease excluded from application of Part 11 of the Code
103 Prescribed person in relation to declarations
104 Declaration about purpose of lease
104A Disclosure of information in consumer leases for household goods
105 Explanation about rights and obligations of consumer lessees
105AA Base price of goods
105A Information to be contained in statement of account
105B Information to be contained in statement of account about amount owing and other matters
105C Information to be contained in end of lease statement
105D Circumstances in which lessor is not required to provide end of lease statement
105E Information to be contained in written notice about change by agreement to consumer lease
105G Information to be contained in statement of amount payable on termination of consumer lease
105J Information to be contained in one-off notice about direct debit default
105K Information to be contained in default notice
105L Consent to enter residential property to take possession of goods
Part 7-10--Miscellaneous
106 Tolerances relating to disclosures
107 Tolerances relating to amounts payable etc
108 Additional assumptions relating to disclosures
109 Contracts linked to offset accounts
110 Requirements for print or type
110A Reverse mortgages--manner of keeping nominations or revocations
111 Notices
Part 7-11--Saving and transitional provisions
Division 1--Reliance on State and Territory Consumer Credit Codes
112 References in documents to Consumer Credit Code of a State or Territory
Division 2--Transitional provisions for the Treasury Laws Amendment (Miscellaneous Amendments) Regulations 2019
113 Compliance with subregulation 28LCE(2) and Schedule 10
Division 4--Transitional provisions for the Treasury Laws Amendment (Modernising Business Communications and Other Measures) Act 2023
115 Transitional arrangements
Schedule 1--Forms
Form 1--Notice requiring reasonable assistance in connection with an investigation and appearance at an examination
Form 2--Summons to witness
Form 4--Prescribed terms and conditions of mortgage
Form 5--Information statement
Form 6--Disclosure about credit contracts
Form 7--Disclosure about credit contracts
Form 7A--Disclosure about credit contracts (reverse mortgages)
Form 8--Disclosure about guarantee
Form 9--Information statement
Form 10--Information after surrender of mortgaged goods
Form 11--Direct debit default notice
Form 11A--Direct debit default notice
Form 12--Information about debtor's rights after default
Form 12A--Information about debtor's rights after default
Form 13--Consent to enter premises
Form 14--Notice after taking possession of mortgaged goods
Form 15--Notice of right to terminate maintenance services contract
Form 16--Notice of right to cancel mortgaged property insurance
Form 17--Information statement
Form 18--Direct debit default notice
Form 18A--Information about lessee's rights after default
Form 19--Consent to enter premises
Schedule 2--Modifications--carried over instruments
Schedule 3--Modifications--special purpose funding entity
Schedule 4--Modifications--responsible lending conduct
Schedule 5--Key Facts Sheets for standard home loans
Part 1--Model of Key Facts Sheets
Part 2--Information about preparing a Key Facts Sheet
Schedule 5A--Reverse mortgage information statement
Schedule 6--Key Facts Sheets for credit card contracts
Part 1--Model of Key Facts Sheets
Part 2--Information about preparing a Key Facts Sheet
Schedule 10--Employer authorisation--prescribed form of statement
Endnotes
Endnote 1--About the endnotes
Endnote 2--Abbreviation key
Endnote 3--Legislation history
Endnote 4--Amendment history
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.
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) |
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
Number and year | FRLI registration | Commencement | Application, saving and transitional provisions |
2010 No. 44 | 12 Mar 2010 (F2010L00631) | 1 July 2010 |
|
2010 No. 59 | 26 Mar 2010 (F2010L00742) | 1 July 2010 | -- |
2010 No. 105 | 21 May 2010 (F2010L01369) | 24 May 2010 | -- |
2010 No. 137 | 18 June 2010 (F2010L01578) | 19 June 2010 | -- |
2010 No. 185 | 30 June 2010 (F2010L01810) | 1 July 2010 | -- |
2010 No. 235 | 21 July 2010 (F2010L02121) | Schedule 1 (item 1): 1 Oct 2010 | -- |
2010 No. 303 | 25 Nov 2010 (F2010L03104) | 26 Nov 2010 | -- |
2010 No. 333 | 10 Dec 2010 (F2010L03196) | 1 Jan 2011 | -- |
39, 2011 | 24 Mar 2011 (F2011L00474) | 25 Mar 2011 | -- |
40, 2011 | 23 Mar 2011 (F2011L00465) | 1 July 2011 | -- |
67, 2011 | 13 May 2011 (F2011L00764) | 1 July 2011 | -- |
143, 2011 | 2 Aug 2011 (F2011L01585) | rr. 1-3 and Schedule 1: 3 Aug 2011 | -- |
165, 2011 | 5 Sept 2011 (F2011L01805) | 1 Jan 2012 | -- |
201, 2011 | 7 Nov 2011 (F2011L02260) | 1 July 2012 | -- |
117, 2012 | 18 June 2012 (F2012L01233) | ss. 1-3 and Schedule 1: 19 June 2012 | -- |
201, 2012 | 20 Aug 2012 (F2012L01706) | 21 Aug 2012 | -- |
313, 2012 | 11 Dec 2012 (F2012L02415) | -- | |
314, 2012 | 12 Dec 2012 (F2012L02429) | Sch 1: 1 Mar 2013 (s 2(b)) | -- |
43, 2013 | 3 Apr 2013 (F2013L00608) | 4 Apr 2013 (s 2) | -- |
51, 2013 | 11 Apr 2013 (F2013L00649) | Sch 1 (item 104): 12 Apr 2013 (s 2 item 2) | -- |
85, 2013 | 21 May 2013 (F2013L00814) | Sch 2: 1 June 2013 (s 2 item 3) | -- |
89, 2014 | 12 June 2014 (F2014L00701) | 13 June 2014 (s 2) | -- |
Name | Registration | Commencement | Application, saving and transitional provisions |
National Consumer Credit Protection Amendment (Credit Cards) Regulations 2018 | 23 Apr 2018 (F2018L00504) | Sch 1 (item 2): 1 Jan 2019 (s 2(1) item 3) | -- |
Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Regulations 2018 | 24 Apr 2018 (F2018L00515) | Sch 1 (items 4-28, 43-48) and Sch 2 (items 6, 7): 25 Apr 2018 (s 2(1) items 2, 3, 6, 9) | -- |
Corporations Amendment (Asia Region Funds Passport) Regulations 2018 | 20 Aug 2018 (F2018L01144) | Sch 2 (item 39): 18 Sept 2018 (s 2(1) item 2) | -- |
Treasury Laws Amendment (Strengthening Corporate and Financial Sector Penalties) Regulations 2019 | 25 Mar 2019 (F2019L00392) | Sch 1 (items 41-54): 26 Mar 2019 (s 2(1) item 2) | -- |
Treasury Laws Amendment (AFCA Cooperation) Regulations 2019 | 5 Apr 2019 (F2019L00537) | Sch 1 (items 4-8): 6 Apr 2019 (s 2(1) item 1) | -- |
Treasury Laws Amendment (Miscellaneous Amendments) Regulations 2019 | 17 Dec 2019 (F2019L01641) | Sch 1 (items 27, 28) and Sch 2-4: 18 Dec 2019 (s 2(1) items 2, 4) | -- |
National Consumer Credit Protection Amendment (Coronavirus Economic Response Package) Regulations 2020 | 2 Apr 2020 (F2020L00386) | 3 Apr 2020 (s 2(1) item 1) | -- |
Financial Sector Reform (Hayne Royal Commission Response--Protecting Consumers) (Mortgage Brokers) Regulations 2020 | 21 Sept 2020 (F2020L01189) | 22 Sept 2020 (s 2(1) item 1) | -- |
National Consumer Credit Protection Amendment (Responsible Lending Obligations) Regulations 2020 | 1 Oct 2020 (F2020L01277) | 3 Oct 2020 (s 2(1) item 1) | -- |
Treasury Laws Amendment (Miscellaneous and Technical Amendments) Regulations 2020 | 14 Dec 2020 (F2020L01610) | Sch 1 (items 18-31): 15 Dec 2020 (s 2(1) item 2) | -- |
National Consumer Credit Protection Amendment (Small Business Exemption) Regulations 2021 | 1 Apr 2021 (F2021L00404) | 2 Apr 2021 (s 2(1) item 1) | -- |
National Consumer Credit Protection Amendment (Debt Management Services) Regulations 2021 | 30 Apr 2021 (F2021L00521) | 1 May 2021 (s 2(1) item 1) | -- |
National Consumer Credit Protection Amendment (Mandatory Credit Reporting) Regulations 2021 | 27 May 2021 (F2021L00653) | 28 May 2021 (s 2(1) item 1) | -- |
Financial Sector Reform (Hayne Royal Commission Response--Breach Reporting and Remediation) Regulations 2021 | 5 Aug 2021 (F2021L01072) | Sch 1 (items 13-15): 1 Oct 2021 (s 2(1) item 1) | -- |
Federal Circuit and Family Court of Australia Legislation (Consequential Amendments and Other Measures) Regulations 2021 | 30 Aug 2021 (F2021L01204) | Sch 2 (item 102): 1 Sept 2021 (s 2(1) item 1) | -- |
National Consumer Credit Protection Amendment (Small Business Exemption No. 2) Regulations 2021 | 12 Nov 2021 (F2021L01540) | 13 Nov 2021 (s 2(1) item 1) | -- |
Treasury Laws Amendment (Miscellaneous and Technical Amendments No. 2) Regulations 2021 | 17 Dec 2021 (F2021L01841) | Sch 1 (items 11, 12): 18 Dec 2021 (s 2(1) item 2) | -- |
Treasury Laws Amendment (Corporate Insolvency Reforms Consequential Amendments) Regulations 2021 | 20 Dec 2021 (F2021L01847) | Sch 1 (items 15, 16): 21 Dec 2021 (s 2(1) item 1) | -- |
Treasury Laws Amendment (Miscellaneous and Technical Amendments) Regulations 2022 | 12 Dec 2022 (F2022L01627) | Sch 1 (items 21-31): 12 Mar 2023 (s 2(1) item 3) | -- |
Treasury Laws Amendment (Rationalising ASIC Instruments) Regulations 2022 | 12 Dec 2022 (F2022L01629) | Sch 1 (items 3-6): 13 Dec 2022 (s 2(1) item 2) | -- |
National Consumer Credit Protection Amendment (Financial Sector Reform) Regulations 2023 | 12 May 2023 (F2023L00540) | 12 June 2023 (s 2(1) item 1) | -- |
Treasury Laws Amendment (Modernising Business Communications) Regulations 2023 | 27 Oct 2023 (F2023L01423) | Sch 3: 28 Oct 2023 (s 2(1) item 4) | -- |
Treasury Laws Amendment (ALRC Financial Services Interim Report) Regulations 2023 | 31 Oct 2023 (F2023L01458) | Sch 2 (items 35-38): 1 Nov 2023 (s 2(1) item 1) | -- |
Treasury Laws Amendment (Precontractual Disclosure and Other Measures) Regulations 2023 | 15 Dec 2023 (F2023L01677) | Sch 1 (items 1-3): 1 Apr 2024 (s 2(1) item 2) | -- |
National Consumer Credit Protection Amendment (Small Business Exemption) Regulations 2024 | 26 Sept 2024 (F2024L01216) | 27 Sept 2024 (s 2(1) item 1) | -- |
Administrative Review Tribunal Legislation Consequential Amendments (2024 Measures No. 1) Regulations 2024 | 11 Oct 2024 (F2024L01299) | Sch 13 (items 4, 5): 14 Oct 2024 (s 2(1) item 1) | -- |
Act | Number and year | Assent | Commencement | Application, saving and transitional provisions |
Treasury Laws Amendment (Modernising Business Communications and Other Measures) Act 2023 | 69, 2023 | 14 Sept 2023 | Sch 4 (items 103, 104): 15 Sept 2023 (s 2(1) item 5) | -- |
Provision affected | How affected |
Chapter 1 |
|
r 2..................... | rep LA s 48D |
r 3..................... | am No 105, 2010; No 137, 2010; No 235, 2010; No 303, 2010; No 143, 2011; F2018L00515; F2019L00537; F2020L01189; F2021L00521; F2021L01847; F2022L01627 ; F2022L01629; F2023L00540; F2023L01458; F2023L01677 |
r 4..................... | am F2020L01189 |
r 4A.................... | ad F2021L00521 |
r 4B.................... | ad F2021L00521 |
r 4C.................... | ad F2021L00521 |
r 4D.................... | ad No 89, 2014 |
r 5..................... | rs No 235, 2010 |
Chapter 2 |
|
Part 2-1 |
|
r. 7..................... | am. 2011 No. 143 |
r. 7A.................... | ad. 2010 No. 105 |
| rs. 2010 No. 137 |
r. 9A (first occurring)......... | ad. 2010 No. 137 |
r. 9AA.................. | am. 2010 No. 303 |
r 9AB................... | ad No 235, 2010 |
| am F2020L01189 |
r. 9A.................... | ad. 2010 No. 105 |
| am. 2010 No. 235 |
r 10.................... | am F2018L00515; F2020L01610 |
r 11A................... | ad F2019L00537 |
| am F2023L01458 |
r 12.................... | am F2018L00515 |
r 12A................... | ad F2021L01072 |
r 12B................... | ad F2021L01072 |
r 13.................... | am F2020L01610 |
r 14.................... | am 2010 No 105 |
Part 2-2 |
|
r 16.................... | am F2018L00515; F2020L01610 |
Part 2-3 |
|
r. 19.................... | am. 2010 Nos. 137 and 303 |
Part 2-4 |
|
Part 2-4 heading...... | rs. 2010 No. 105 |
Division 1 |
|
Division 1 heading.......... | ad. 2010 No. 105 |
Subdivision 1.1 |
|
Subdivision 1.1 heading....... | ad. 2010 No. 105 |
| rs. 2010 No. 303 |
r 20.................... | am No 105, 2010; No 137, 2010 (Sch 1 item 10 md not incorp); No 185, 2010; No 235, 2010; No 303, 2010; F2019L01641; F2020L01189; F2020L01610; F2021L00521; F2021L01847; F2022L01629 |
r 21.................... | am No 137, 2010 (Sch 1 item 12 md not incorp); No 235, 2010; No 303, 2010; F2019L01641; F2020L01610 |
r 22.................... | am 2010 No 137; F2020L01610 |
r 23.................... | am 2010 No 105; 2010 No 137; F2020L01610 |
r 23A................... | ad 2010 No 105 |
| am 2010 No 137; F2020L01610 |
r 23B................... | ad No 137, 2010 |
| am F2018L00515; F2019L00537; F2020L01610; F2023L01458; F2024L01299 |
r 23C................... | ad No 137, 2010 |
| am No 303, 2010; F2018L00515; F2019L00537; F2020L01610; F2023L01458; F2024L01299 |
r 23D................... | ad No 235, 2010 |
| am F2020L01610 |
Subdivision 1.2 |
|
Subdivision 1.2 heading....... | ad. 2010 No. 105 |
r 24.................... | am No 105, 2010; No 137, 2010 (Sch 1 items 21, 22, 25, 26, 29 md not incorp); No 303, 2010; F2019L01641; F2020L01610; F2021L00521 |
Subdivision 1.3 heading....... | ad. 2010 No. 303 |
| rep F2021L01841 |
Subdivision 1.3............. | rep F2021L01841 |
| ed C40 |
r 24A................... | ad. 2010 No. 303 |
| rep F2021L01841 |
r 24C................... | ad No 185, 2010 (md not incorp) |
Division 2 |
|
Division 2 heading.......... | ad. 2010 No. 105 |
r 25.................... | am No 185, 2010; No 235, 2010; No 303, 2010; F2020L01189; F2020L01610 |
r 25A................... | ad 2010 No 59 |
| am F2020L01610 |
r 25B................... | ad 2010 No 105 |
| am F2020L01610 |
r 25C................... | ad 2010 No 105 |
| am F2020L01610 |
r 25D................... | ad 2010 No 105 |
| am F2020L01610 |
r 25E................... | ad 2010 No 105 |
| am F2020L01610; F2022L01627 |
r 25F................... | ad 2010 No 105 |
| am F2020L01610 |
r 25G................... | ad 2010 No 137 |
| rs 2010 No 235 |
| am F2020L01610 |
r 25H................... | ad No 235, 2010 |
| am F2020L01189; F2020L01610 |
r 25I.................... | ad 2010 No 235 |
| am F2020L01610 |
r 25J.................... | ad 2010 No 235 |
| am F2020L01610 |
r 25K................... | ad 2010 No 303 |
r 25L................... | ad 2010 No 303 |
r 25M................... | ad 2012 No 117 |
| am 2012 No 201 |
Chapter 3 |
|
Chapter 3................. | rs. 2010 No. 333 |
Part 3-1 |
|
Part 3.1 heading............ | ad No 333, 2010 |
| rep F2024L01216 |
Part 3-1 heading...... | ad F2024L01216 |
r 26.................... | rs No 333, 2010 |
| am No 143, 2011; No 165, 2011; F2020L01189; F2023L01677 |
Part 3-2 |
|
Part 3.2 heading............ | ad No 333, 2010 |
| rep F2024L01216 |
Part 3-2 heading...... | ad F2024L01216 |
r 26A................... | ad No 143, 2011 |
| am F2020L01189 |
r. 26B................... | ad. 2011 No. 143 |
r 27.................... | rep No 333, 2010 |
| ad No 143, 2011 |
| am F2020L01189 |
r 27A................... | ad No 143, 2011 |
| am F2020L01189 |
r 27B................... | ad No 143, 2011 |
| am F2020L01189 |
r 28.................... | rs. 2010 No. 333 |
| am F2018L00515 |
r. 28A................... | ad. 2010 No. 235 |
| am. 2010 No. 303 |
| rs. 2010 No. 333 |
| rep. 2011 No. 143 |
r 28B................... | ad. 2010 No. 235 |
| rs. 2010 No. 333 |
| am F2018L00515 |
Part 3-3 |
|
Part 3.3 heading............ | rep F2024L01216 |
Part 3-3 heading...... | ad F2024L01216 |
r. 28C................... | ad. 2010 No. 333 |
r. 28D................... | ad. 2011 No. 143 |
Part 3-4 |
|
Part 3.4 heading ............ | rep F2024L01216 |
Part 3-4 heading...... | ad F2024L01216 |
Part 3.4.................. | rs No 143, 2011 |
r. 28E................... | ad. 2011 No. 143 |
r. 28F................... | ad. 2011 No. 143 |
r 28G................... | ad No 143, 2011 |
| am F2020L01189 |
r 28H................... | ad No 143, 2011 |
| am F2020L01189 |
Part 3-5 |
|
Part 3.5 heading............ | rs F2024L01216 |
Part 3-5 heading...... | ad F2024L01216 |
r. 28HA.................. | ad. No. 85, 2013 |
r 28HB.................. | ad F2023L00540 |
r. 28J................... | ad. 2010 No. 333 |
r. 28JA.................. | ad. 2011 No. 201 |
r 28K................... | ad No 333, 2010 |
| reloc and renum No 143, 2011 |
r. 28L................... | ad. 2010 No. 333 |
| am F2023L01677 |
r. 28LA.................. | ad. 2011 No. 165 |
r 28LB.................. | ad. 2011 No. 165 |
| am No 117, 2012; F2019L01641 |
r 28LBA................. | ad F2019L01641 |
r 28LBB................. | ad F2019L01641 |
r 28LBC................. | ad F2019L01641 |
r 28LBD................. | ad F2019L01641 |
r 28LBE................. | ad F2019L01641 |
r 28LBF................. | ad F2019L01641 |
r 28LBG................. | ad F2019L01641 |
r 28LBH................. | ad F2019L01641 |
r 28LBI.................. | ad F2019L01641 |
r. 28LC.................. | ad. No. 85, 2013 |
r 28XXA................. | ad 2012 No 314 |
| renum F2019L01641 |
r 28LCA (prev r 28XXA)...... | rs F2023L00540 |
r 28XXB................. | ad. 2012 No. 314 |
| renum F2019L01641 |
r 28LCB (prev r 28XXB)...... | rs F2023L00540 |
r 28XXC................. | ad No 314, 2012 |
| am F2019L00392; F2019L01641 |
| renum F2019L01641 |
r 28LCC (prev r 28XXC)...... | rs F2023L00540 |
r 28XXD................. | ad No 314, 2012 |
| am F2019L00392; F2019L01641 |
| renum F2019L01641 |
r 28LCD (prev r 28XXD)...... | rep F2023L00540 |
r 28XXE................. | ad. 2012 No. 314 |
| renum F2019L01641 |
r 28LCE (prev r 28XXE) |
|
r 28XXF................. | ad. 2012 No. 314 |
| renum F2019L01641 |
r 28LCF (prev r 28XXF) |
|
r 28LD.................. | ad No 85, 2013 |
| am F2022L01627 |
r. 28LE.................. | ad. No. 85, 2013 |
r 28LFA................. | ad No 201, 2011 (md not incorp) |
r 28LFB................. | ad No 117, 2012 (md not incorp) |
r 28LF.................. | ad No 201, 2011 (md not incorp) |
r 28LG.................. | ad No 201, 2011 (md not incorp) |
r 28LH.................. | ad No 201, 2011 (md not incorp) |
r 28LI................... | ad No 201, 2011 (md not incorp) |
| am No 117, 2012 (md not incorp) |
r 28LJ................... | ad No 201, 2011 (md not incorp) |
| am No 117, 2012 (md not incorp) |
r 28LK.................. | ad No 201, 2011 (md not incorp) |
r 28LL.................. | ad No 201, 2011 (md not incorp) |
r 28LM.................. | ad No 201, 2011 (md not incorp) |
r 28LN.................. | ad No 201, 2011 (md not incorp) |
Part 3-6 |
|
Part 3.6 heading............ | rep F2024L01216 |
Part 3-6 heading...... | ad F2024L01216 |
r. 28M................... | ad. 2010 No. 333 |
r 28N................... | ad. 2010 No. 333 |
| am. 2011 No. 39; 2011 No. 143 |
| exp 1 Oct 2011 (r 28N(5)) |
| am F2018L00515 |
r 28P................... | ad. 2011 No. 143 |
| am F2018L00515 |
r 28Q (prev r 28K) |
|
r 28R................... | ad No 143, 2011 |
| am F2020L01189 |
r 28RA.................. | ad F2020L00386 |
| rep F2020L01277 |
r 28RB.................. | ad F2020L01277 |
| am F2021L00404 |
| rep 3 Oct 2021 (r 28RB(8)) |
| ad F2021L01540 |
| am F2024L01216 |
Part 3.7.................. | ad No 314, 2012 |
| rep F2023L00540 |
r 28S................... | ad No 314, 2012 |
| rep F2023L00540 |
Part 3-8 |
|
Part 3.8 heading............ | rep F2024L01216 |
Part 3-8 heading...... | ad F2024L01216 |
Part 3.8.................. | ad F2021L00653 |
r 28TA.................. | ad F2021L00653 |
r 28TB.................. | ad F2021L00653 |
r 28TC.................. | ad F2021L00653 |
r 28TD.................. | ad F2021L00653 |
Part 3-9 |
|
Part 3.9 heading ............ | rep F2024L01216 |
Part 3-9 heading...... | ad F2024L01216 |
Part 3.9.................. | ad F2020L01189 |
Division 1 |
|
r 28V................... | ad F2020L01189 |
r 28VA.................. | ad F2020L01189 |
Division 2 |
|
r 28VB.................. | ad F2020L01189 |
r 28VC.................. | ad F2020L01189 |
r 28VD.................. | ad F2020L01189 |
r 28VE.................. | ad F2020L01189 |
r 28VF.................. | ad F2020L01189 |
r 28VG.................. | ad F2020L01189 |
r 28VH.................. | ad F2020L01189 |
Division 3 |
|
r 28VI................... | ad F2020L01189 |
r 28VJ................... | ad F2020L01189 |
Division 4 |
|
r 28VK.................. | ad F2020L01189 |
r 28VL.................. | ad F2020L01189 |
r 28VM.................. | ad F2020L01189 |
Chapter 4 |
|
r 29.................... | am F2018L00515 |
r 30A................... | ad. 2010 No. 105 |
| am F2018L00515 |
Chapter 6 |
|
Part 6-1 |
|
r 36.................... | am No 51, 2013; F2021L01204 |
Part 6-2 |
|
Part 6-2............ | rs F2019L00392 |
r 37.................... | rs F2019L00392 |
| am F2021L01072 |
r 38.................... | am F2018L00504 |
| rs F2019L00392 |
| am F2021L00653; F2021L01072; F2023L00540 |
r 39.................... | rs F2019L00392 |
Part 6-2A |
|
Part 6-2A.......... | ad F2023L00540 |
r 40.................... | rep F2019L00392 |
| ad F2023L00540 |
r 41.................... | rep F2019L00392 |
| ad F2023L00540 |
r 42.................... | rep F2019L00392 |
r 43.................... | rep F2019L00392 |
r 44.................... | rep F2019L00392 |
r 45.................... | rep F2019L00392 |
r 46.................... | rep F2019L00392 |
r 47.................... | rep F2019L00392 |
r 48.................... | rep F2019L00392 |
r 49.................... | rep F2019L00392 |
Part 6-3 |
|
Part 6-3 heading ...... | rs F2023L00540 |
Part 6-3............ | ad No 117, 2012 |
r 49A................... | ad No 117, 2012 |
r 49B................... | ad No 117, 2012 |
r 49C................... | ad F2018L00515 |
r 49D................... | ad F2018L00515 |
r 49E................... | ad F2018L00515 |
r 49F................... | ad F2019L00392 |
r 49G................... | ad F2019L00392 |
r 49H................... | ad F2019L00537 |
r 49J.................... | ad F2021L00521 |
r 49K................... | ad F2023L00540 |
Chapter 7 |
|
Part 7-1 |
|
r 50A................... | ad No 89, 2014 |
r 51.................... | rs No 89, 2014; Act No 69, 2023 |
r. 65A................... | ad. 2010 No. 59 |
r 65B................... | ad. 2010 No. 235 |
| exp 1 Oct 2010 (r 65B(2)) |
| rep F2021L01841 |
r. 65C................... | ad. 2010 No. 303 |
| am. 2011 No. 143 |
r. 69.................... | am. No. 43, 2013 |
r 69A................... | ad No 43, 2013 |
| rep F2021L01841 |
r 69B................... | ad No 43, 2013 |
| rep F2021L01841 |
r 69C................... | ad. No. 43, 2013 |
| am F2018L00515 |
r. 69D................... | ad. No. 43, 2013 |
Part 7-2 |
|
r 72A................... | ad F2023L01677 |
r 72B................... | ad F2023L01677 |
r 72C................... | ad F2023L01677 |
r. 74A................... | ad. No. 85, 2013 |
r. 78.................... | am. 2010 No. 105 |
r. 101................... | rep. 2010 No. 105 |
Part 7-2A |
|
Part 7-2A.......... | ad. 2011 No. 40 |
r. 79A................... | ad. 2011 No. 40 |
| am. 2011 No. 67 |
r 79AE.................. | ad No 89, 2014 |
r. 79AB.................. | ad. No. 314, 2012 |
r. 79AC.................. | ad. No. 314, 2012 |
r. 79B................... | ad. 2011 No. 201 |
| am. 2012 No. 117 |
Part 7-2B |
|
Part 7-2B.......... | ad. No. 314, 2012 |
r. 79C................... | ad. No. 314, 2012 |
Part 7-5 |
|
r. 84A................... | ad. 2012 No. 313 |
r. 85.................... | rs. No. 43, 2013 |
r 86.................... | rs No 43, 2013 |
| am F2019L01641 |
Part 7-8 |
|
r 99.................... | am F2019L01641 |
Part 7-9 |
|
r 104A.................. | ad F2023L00540 |
r 105AA................. | ad F2023L00540 |
r. 105A.................. | ad. 2012 No. 313 |
r. 105B.................. | ad. 2012 No. 313 |
r. 105C.................. | ad. 2012 No. 313 |
r. 105D.................. | ad. 2012 No. 313 |
r. 105E.................. | ad. 2012 No. 313 |
r. 105G.................. | ad. 2012 No. 313 |
r. 105H.................. | ad. 2012 No. 313 |
| rep. No. 43, 2013 |
r. 105J................... | ad. 2012 No. 313 |
r. 105K.................. | ad. No. 43, 2013 |
r. 105L.................. | ad. 2012 No. 313 |
Part 7-10 |
|
r 109.................... | am F2020L01189 |
r. 110A.................. | ad. No. 85, 2013 |
r. 111A.................. | ad. 2010 No. 137 |
| am. 2010 No. 235 |
| rep. No. 43, 2013 |
Part 7-11 |
|
Part 7-11 heading..... | am F2019L01641 |
Division 1 |
|
Division 1 heading.......... | ad F2019L01641 |
r 112.................... | (1) exp 30 June 2012 (r 112(4)) |
| (3) exp 30 June 2012 (r 112(4)) |
Division 2 |
|
Division 2................ | ad F2019L01641 |
r 113.................... | ad F2019L01641 |
Division 4 |
|
Division 4................ | ad Act No 69, 2023 |
r 115.................... | ad Act No 69, 2023 |
Schedule 1 |
|
Schedule 1................ | am No 105, 2010; No 137, 2010; No 313, 2012; No 43, 2013; No 85, 2013; F2018L00515; F2019L00392; F2023L01423; F2024L01216 |
Schedule 2 |
|
Schedule 2................ | ad No 105, 2010 |
| am No 137, 2010; No 185, 2010; No 235, 2010; No 303, 2010; F2018L00515; F2019L00392; F2024L01216 |
Schedule 3 |
|
Schedule 3................ | ad No 137, 2010 |
| am No 185, 2010; No 303, 2010; No 143, 2011; F2018L01144; F2019L00392; F2022L01627 |
Schedule 4 |
|
Schedule 4................ | ad. 2010 No. 333 |
| am F2019L00392 |
Schedule 5 |
|
Schedule 5 heading.......... | rs F2019L01641 |
Schedule 5................ | ad. 2011 Nos. 201 and 165 |
| am. 2012 No. 117 |
Schedule 5A |
|
Schedule 5A.............. | ad. No. 85, 2013 |
Schedule 6 |
|
Schedule 6................ | ad. 2011 No. 201 |
| am No 117, 2012; F2019L01641 |
Schedule 7................ | ad No 314, 2012 |
| am F2019L01641 |
| rep F2023L00540 |
Schedule 8................ | ad No 314, 2012 |
| am F2019L01641 |
| rep F2023L00540 |
Schedule 9................ | ad No 314, 2012 |
| am F2019L01641 |
| rep F2023L00540 |
Schedule 10 |
|
Schedule 10............... | ad. 2012 No. 314 |
| am F2019L01641 |