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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

Disclaimer

Disclaimer: The information provided in this web site is of a general nature only and does not replace the Code itself. You should obtain your own copy of the Code and seek independent legal advice if you believe you are affected by the Code.

The Government Consumer Agencies assume no responsibility or liability in relation to anyone acting in reliance on the information provided on or linked to this site.