Australian Capital Territory Consolidated Acts

CONSUMER CREDIT ACT 1995 - NOTES

Note 1     The Legislation Act contains definitions and other provisions relevant to this Act.

Note 2     For example, the Legislation Act, dict, pt 1, defines the following terms:

              •     ACAT

              •     Executive

              •     territory law

              •     the Territory.

"annual percentage rate", for part 3A (Maximum annual percentage rate and disclosure)—see section 8A.

"code", for part 3A (Maximum annual percentage rate and disclosure)—see section 8A.

"Consumer Credit (Australian Capital Territory) Code" means the provisions applying because of section 4.

"Consumer Credit (Australian Capital Territory) Regulations" means the provisions applying because of section 5.

"Consumer Credit (Queensland) Act" means the Consumer Credit (Queensland) Act 1994 (Qld).

"contract document", for part 3A (Maximum annual percentage rate and disclosure)—see section 8A.

"credit", for part 3A (Maximum annual percentage rate and disclosure)—see section 8A.

"credit contract", for part 3A (Maximum annual percentage rate and disclosure)—see section 8A.

"credit fees and charges", for part 3A (Maximum annual percentage rate and disclosure)—see section 8A.

"scheme legislation of the Australian Capital Territory" means—

        (a)     this Act; and

        (b)     the Consumer Credit (Australian Capital Territory) Code; and

        (c)     the Consumer Credit (Australian Capital Territory) Regulations.

Endnotes

1     About the endnotes

Amending and modifying laws are annotated in the legislation history and the amendment history. Current modifications are not included in the republished law but are set out in the endnotes.

Not all editorial amendments made under the Legislation Act 2001, part 11.3 are annotated in the amendment history. Full details of any amendments can be obtained from the Parliamentary Counsel's Office.

Uncommenced amending laws and expiries are listed in the legislation history and the amendment history. These details are underlined. Uncommenced provisions and amendments are not included in the republished law but are set out in the last endnote.

If all the provisions of the law have been renumbered, a table of renumbered provisions gives details of previous and current numbering.

The endnotes also include a table of earlier republications.

2     Abbreviation key

am = amended	ord = ordinance
amdt = amendment	orig = original
ch = chapter	par = paragraph/subparagraph
def = definition	pres = present
dict = dictionary	prev = previous
disallowed = disallowed by the Legislative	(prev...) = previously
Assembly	pt = part
div = division	r = rule/subrule
exp = expires/expired	renum = renumbered
Gaz = gazette	reloc = relocated
hdg = heading	R[X] = Republication No
IA = Interpretation Act 1967	RI = reissue
ins = inserted/added	s = section/subsection
LA = Legislation Act 2001	sch = schedule
LR = legislation register	sdiv = subdivision
LRA = Legislation (Republication) Act 1996	sub = substituted
mod = modified/modification	SL = Subordinate Law
o = order	underlining = whole or part not commenced
om = omitted/repealed	or to be expired

3     Legislation history

Consumer Credit Act 1995 No 18

notified 5 September 1995 (Gaz 1995 No S212)

s 1, s 2 commenced 5 September 1995 (s 2 (1))

remainder commenced 1 November 1996 (s 2 (2) and Gaz 1996 No S273)

as amended by

Consumer Credit (Administration) (Consequential Provisions) Act 1996 No 42 pt 2 div 1

notified 2 September 1996 (Gaz 1996 No S223)

s 1, s 2 and pt 2 div 1 commenced 2 September 1996 (s 2 (1))

Law Reform (Miscellaneous Provisions) Act 1999 No 66 sch 3

notified 10 November 1999 (Gaz 1999 No 45)

commenced 10 November 1999 (s 2)

Justice and Community Safety Legislation Amendment Act 2000 (No 3) No 17 sch 1

notified 1 June 2000 (Gaz 2000 No 22)

commenced 1 June 2000 (s 2)

Legislation (Consequential Amendments) Act 2001 No 44 pt 75

notified 26 July 2001 (Gaz 2001 No 30)

s 1, s 2 commenced 26 July 2001 (IA s 10B)

pt 75 commenced 12 September 2001 (s 2 and Gaz 2001 No S65)

Justice and Community Safety Legislation Amendment Act 2004 A2004-18 pt 3

notified LR 6 April 2004
s 1, s 2 commenced 6 April 2004 (LA s 75 (1))
pt 3 commenced 20 April 2004 (s 2)

Justice and Community Safety Legislation Amendment Act 2005 (No 4) A2005-60 sch 1 pt 1.7

notified LR 1 December 2005

s 1, s 2 taken to have commenced 23 November 2005 (LA s 75 (2))

sch 1 pt 1.7 commenced 22 December 2005 (s 2 (4))

ACT Civil and Administrative Tribunal Legislation Amendment Act 2008 A2008-36 sch 1 pt 1.12

notified LR 4 September 2008

s 1, s 2 commenced 4 September 2008 (LA s 75 (1))

sch 1 pt 1.12 commenced 2 February 2009 (s 2 (1) and see ACT Civil and Administrative Tribunal Act 2008 A2008-35, s 2 (1) and CN2009-2)

4     Amendment history

Name of Act
s 1     sub A2005-60 amdt 1.16

Dictionary
s 2     am 1996 No 42 pt 2 div 1
    om R1 LRA
    ins A2005-60 amdt 1.19

Notes
s 3     am 2001 No 44 amdt 1.800, amdt 1.801
    defs reloc to dict A2005-60 amdt 1.18
    sub A2005-60 amdt 1.19
    def short-term credit contract ins A2004-18 s 9
    om A2005-60 amdt 1.17

Conferment of judicial functions on courts and ACAT
s 7 hdg     sub A2008-36 amdt 1.150
s 7     am A2008-36 amdt 1.151, amdt 1.152

Conferment of administrative functions
s 8     am 1999 No 66 sch 3; 2000 No 17 sch 1

Maximum annual percentage rate and disclosure
pt 3A hdg     ins A2004-18 s 10

Definitions for pt 3A
s 8A     ins A2004-18 s 10
    def annual percentage rate ins A2004-18 s 10
    def code ins A2004-18 s 10
    def contract document ins A2004-18 s 10
    def credit ins A2004-18 s 10
    def credit contract ins A2004-18 s 10
    def credit fees and charges ins A2004-18 s 10
    def short-term credit contract ins A2004-18 s 10
    om A2005-60 amdt 1.20

Maximum annual percentage rate
s 8B     ins A2004 s 10
    sub A2005-60 amdt 1.21

Disclosure of cost of credit
s 8C     ins A2004 s 10
    am A2005-60 amdts 1.22-1.24

Application to the Crown
s 9     om A2005-60 amdt 1.25

Maximum annual percentage rate
s 10     om A2004-18 s 11

Proceedings for offences against code or regulations
s 11     om A2005-60 amdt 1.25

Savings and transitional regulations
s 12     om 2001 No 44 amdt 1.803

Regulation-making power
s 13     am 2001 No 44 amdt 1.804

Dictionary
dict     ins A2005-60 amdt 1.26
    am A2008-36 amdt 1.153
    def annual percentage rate ins A2004-18 s 9
    reloc from s 3 A2005-60 amdt 1.18
    def code ins A2004-18 s 9
    reloc from s 3 A2005-60 amdt 1.18
    def Consumer Credit (Australian Capital Territory) Code     reloc from s 3 A2005-60 amdt 1.18
    def Consumer Credit (Australian Capital Territory) Regualtions     reloc from s 3 A2005-60 amdt 1.18
    def Consumer Credit (Queensland) Act     reloc from s 3 A2005-60 amdt 1.18
    def contract document ins A2004-18 s 9
    reloc from s 3 A2005-60 amdt 1.18
    def credit ins A2004-18 s 9
    reloc from s 3 A2005-60 amdt 1.18
    def credit contract ins A2004-18 s 9
    reloc from s 3 A2005-60 amdt 1.18
    def credit fees and charges ins A2004-18 s 9
    reloc from s 3 A2005-60 amdt 1.18
    def credit tribunal am 1996 No 42 pt 2 div 1
    reloc from s 3 A2005-60 amdt 1.18
    om A2008-36 amdt 1.154
    def scheme legislation of the Australian Capital Territory am 2001 No 44 amdt 1.802
    reloc from s 3 A2005-60 amdt 1.18

5     Earlier republications

Some earlier republications were not numbered. The number in column 1 refers to the publication order.

Since 12 September 2001 every authorised republication has been published in electronic pdf format on the ACT legislation register. A selection of authorised republications have also been published in printed format. These republications are marked with an asterisk (*) in column 1. Electronic and printed versions of an authorised republication are identical.

Republication No	Amendments to	Republication date
1	Act 2000 No 17	24 July 2000
2	A2001-44	21 February 2002
3	A2004-18	20 April 2004
4	A2005-60	22 December 2005

© Australian Capital Territory 2009

Australian Capital Territory

A1995-18

Republication No 5

Effective: 2 February 2009

Republication date: 2 February 2009

Last amendment made by A2008-36





Unauthorised version prepared by ACT Parliamentary Counsel's Office

About this republication

The republished law

This is a republication of the Consumer Credit Act 1995

(including any amendment made under the Legislation Act 2001, part 11.3 (Editorial changes)) as in force on 2 February 2009

. It also includes any amendment, repeal or expiry affecting the republished law to 2 February 2009

.

The legislation history and amendment history of the republished law are set out in endnotes 3 and 4.

Kinds of republications

The Parliamentary Counsel's Office prepares 2 kinds of republications of ACT laws (see the ACT legislation register at www.legislation.act.gov.au):

              • authorised republications to which the Legislation Act 2001 applies

              • unauthorised republications.

The status of this republication appears on the bottom of each page.

Editorial changes

The Legislation Act 2001, part 11.3 authorises the Parliamentary Counsel to make editorial amendments and other changes of a formal nature when preparing a law for republication. Editorial changes do not change the effect of the law, but have effect as if they had been made by an Act commencing on the republication date (see Legislation Act 2001, s 115 and s 117). The changes are made if the Parliamentary Counsel considers they are desirable to bring the law into line, or more closely into line, with current legislative drafting practice.

This republication includes amendments made under part 11.3 (see endnote 1).

Uncommenced provisions and amendments

If a provision of the republished law has not commenced or is affected by an uncommenced amendment, the symbol  U  appears immediately before the provision heading. The text of the uncommenced provision or amendment appears only in the last endnote.

Modifications

If a provision of the republished law is affected by a current modification, the symbol  M  appears immediately before the provision heading. The text of the modifying provision appears in the endnotes. For the legal status of modifications, see Legislation Act 2001, section 95.

Penalties

The value of a penalty unit for an offence against this republished law at the republication date is—

(a) if the person charged is an individual—$100; or

(b) if the person charged is a corporation—$500.

Australian Capital Territory

Consumer Credit Act 1995

Endnotes

Australian Capital Territory

Consumer Credit Act 1995