General Information

Download Documents

Instalment Contracts and the Uniform Consumer Credit Code

• Justice Legislation Amendment Bill 2008 (PDF 484KB)
• Justice Legislation Amendment Bill 2008 - Explanatory Notes (PDF 112KB)

Fringe Lending

• Fringe Lending Discussion Paper, draft Bill and Amendment Regulation (PDF 556KB)
• Fringe Lending Discussion Paper (RTF 108KB)

Fringe Lending - Consumer Credit Code Amendments - Stakeholder submissions

• Allens Arthur Robinson (PDF 138KB)
• Abcash (PDF 36KB)
• Australia and New Zealand Banking Group Limited (PDF 39KB)
• Banking and Financial Services Ombudsman Limited (PDF 119KB)
• Challenger Mortgage Management (PDF 1MB)
• City Finance Franchising Pty Ltd (38KB)
• Credit Ombudsman Service (PDF 81KB)
• Dr Jeannie Marie Paterson, Faculty of Law, Monash University (PDF 78KB)
• GE Money (PDF 33KB)
• Good Sheperd Youth & Family Service (PDF 44KB)
• Joint Consumer Response (PDF 110KB)
• Joint Industry Submission from ABA, ABACUS and AFC (PDF 142KB)
• Law Council (123KB)
• Mallesons Stephens Jaques (PDF 99KB)
• Mortgage and Finance Association of Australia Submission (PDF 95KB) Attachment (PDF 204KB)
• Min-it Software (PDF 868KB)
• National Finance Services Federation (PDF 138KB)
• Next Financial (PDF 65KB)
• Queensland Law Society (PDF 130KB)

Bill Facilities Regulation

• Consultation Package (PDF 39KB)
• Consumer Credit (Bill Facilities) Amendment Regulation 2006 (PDF 17KB)

Streamlining Pre-Contractual disclosure consultation package

• Consultation Package (PDF 1.1MB)
• Submissions Received

Mandatory Comparison Rates

• First Issues Paper (PDF 167KB | RTF 509KB)
• Consumer Research Issues Paper (PDF 123KB | RTF 1.2MB | RTF ZIP 150KB)
• The Effectiveness of Mandatory Comparison Rates: Information, capacity and choice (PDF 758KB)

Solicitor Lending, Instalment Contracts and the Uniform Consumer Credit Code Consultation Package

• Explanatory Package and the Proposed Legislative Changes (PDF 1.9MB)
• Submissions Received

New Regulations

• Hardship Threshold amendment (PDF 190KB)

Credit Law

• Consumer Credit (Queensland) 1994 Explanatory Notes (PDF 46KB)
• Uniform Consumer Credit Code (PDF 746KB)
• Uniform Consumer Credit Regulations (PDF 575KB)

National Competition Policy Review

• NCP Review of the Consumer Credit Code (PDF 858KB | RTF ZIP 196KB)

Post Implementation Review

• Malbon Report (PDF 280KB)
• Final Report (PDF 554KB)

Uniformity Agreement

• Uniform Consumer Credit Laws Agreement

Policy and Procedure

• Purpose and Role of Guidelines
• Section 133 Guideline (PDF 26KB)
• Exemptions from the Code — Guidelines and Requests

Comparison Rates

• Amendment Act (PDF 476KB)
• Explanatory paper (PDF 53KB)
• A Consumer Guide
• Frequently Asked Questions
• Statement of Enforcement Policy
  • *Statement in Comparison Rate Schedules of the Repayment Frequency Used to Calculate a Comparison Rate
  • *Exemption from Requirement for a Comparison Rate Schedule to Accompany a Credit Application
  • Government Fees, Charges and Duties
  • *Comparison Rates for Loans Offered for Terms other than the Designated Term
  • *Comparison Rates for Consumer Credit Products Which are Priced for Risk
  • *Statements in Comparison Rate Schedules Regarding Secured and Unsecured Loans
  • Comparison Rate Schedules and Notices Under the Consumer Credit Code
  • Valuation Fees
  • *Comparison Rate Warning
• Regulations (for the calculation of comparison rates and details for credit advertisements and schedules).
• Regulations (to implement six Statement of Enforcement Policies) (PDF 194KB)
• Consumer Credit (Queensland) and Another Act Amendment Bill 2007 (PDF 380KB)
• Consumer Credit (Queensland) and Another Act Amendment Bill 2007 - Explanatory Notes (PDF 50KB)

E-Commerce

• Consumer Credit Amendment Regulation 2006 (PDF 198KB)
• Consumer Credit and Trade Measurement Amendment Act 2006 (PDF 561KB)

" * " indicates those statement of enforcement policies that have been made into regulations

Useful Information / Pamphlets

• Balloon Payments (PDF 26KB)
• Interest Free Offers (PDF 84KB)

General

• ANZ case on pre-Code infringements - Victorian Civil and Administrative Tribunal

Website Last Modified: 17 April 2008