Australian Capital Territory Consolidated Acts

CONSUMER CREDIT (ADMINISTRATION) ACT 1996

TABLE OF PROVISIONS

           Long Title

   PART 1--PRELIMINARY

   1.      Name of Act  
   2.      Dictionary  
   3.      Notes  

   PART 2--CREDIT PROVIDERS

           Division 2.1--Exemptions

   4.      Exemption—banks  
   5.      Exemption—collection of debts due to former credit providers  
   6.      Exemption—Ministerial determination  

           Division 2.2--Provision of consumer credit

   7.      Registration as a consumer credit provider  
   8.      Authorised names  
   9.      Partnerships  

           Division 2.3--Registration of consumer credit providers

   10.     Authority given by registration  
   11.     Application for registration  
   12.     Registration  
   13.     Endorsement of names  
   14.     Changed particulars  
   15.     Term of registration  
   16.     Annual fee and statement  
   17.     Cancellation of registration for failure to pay fee or provide statement  
   18.     Surrender of registration  

           Division 2.3A--Complaints—credit providers

   18A.    Meaning of credit provider—div 2.3A  
   18B.    Who may complain?  
   18C.    Form of complaint  
   18D.    Withdrawal of complaints  
   18E.    Further information about complaint etc  
   18F.    Investigation of complaint  
   18G.    No further action on complaint  
   18H.    Action after investigating complaint  

           Division 2.4--Occupational discipline—credit providers

   19.     Meaning of credit provider—div 2.4  
   20.     Grounds for occupational discipline  
   21.     Application to ACAT for occupational discipline—credit provider  
   22.     Orders for occupational discipline  
   23.     Credit provider not liable for penalties  
   24.     Extension of time for complying with directions  
   24AA.   Powers of inquiry  
   24AB.   Cancellation or suspension for insolvency etc  

           Division 2.4A--Offences—credit providers

   24AC.   Offence—comply with orders  
   24AD.   Offence—return registration to place conditions etc  
   24AE.   Offence—return suspended or cancelled registration  
   24AF.   Offence—disqualified credit providers to have no concern in credit businesses  

           Division 2.5--General

   24A.    Civil penalties—credit providers  
   25.     Death of registered credit provider  
   26.     Register of credit providers  
   27.     Access to register  

   PART 3--FINANCE BROKING

           Division 3.1--Exemptions

   29.     Exemption—particular entities  
   30.     Exemption—finance broking in the course of another business  
   31.     Exemption—Ministerial determination  

           Division 3.2--Finance broking

   32.     Registration as a finance broker  
   33.     Advertising  
   34.     Records  
   35.     Commissions  
   36.     Valuation fees  
   37.     False statements about credit provision  
   38.     Authorised names  
   39.     Partnerships  
   40.     Proof of finance broking offences  

           Division 3.3--Registration of finance brokers

   41.     Authority given by registration  
   42.     Application for registration  
   43.     Registration  
   44.     Endorsement of names  
   45.     Changed particulars  
   46.     Term of registration  
   47.     Annual fee and statement  
   48.     Cancellation of registration for failure to pay fee or provide statement  
   49.     Surrender of registration  

           Division 3.3A--Complaints—finance brokers

   49A.    Meaning of finance broker—div 3.3A  
   49B.    Who may complain?  
   49C.    Form of complaint  
   49D.    Withdrawal of complaints  
   49E.    Further information about complaint etc  
   49F.    Investigation of complaint  
   49G.    No further action on complaint  
   49H.    Action after investigating complaint  

           Division 3.4--Occupational discipline—finance brokers

   50.     Meaning of finance broker—div 3.4  
   51.     Grounds for occupational discipline  
   52.     Application to ACAT for occupational discipline—finance brokers  
   53.     Orders for occupational discipline  
   54.     Finance broker not liable for penalties  
   55.     Extension of time for complying with directions  
   55AA.   Powers of inquiry  
   55AB.   Cancellation or suspension for insolvency etc  

           Division 3.4A--Offences—finance brokers

   55AC.   Offence—comply with orders  
   55AD.   Offence—return registration for conditions  
   55AE.   Offence—return suspended or cancelled registration  
   55AF.   Offence—disqualified finance brokers  

           Division 3.5--General

   55A.    Civil penalties—finance brokers  
   56.     Death of registered finance broker  
   57.     Register of finance brokers  
   58.     Access to register  
   59.     False or misleading statements  

   PART 5--INQUIRIES

   99.     Meaning of inquirer—pt 5  
   100.    Executive may order inquiry  
   101.    Notice of inquiry  
   102.    Application of Inquiries Act 1991  
   103.    Findings and recommendations  

   PART 6--UNJUST CONDUCT

   105.    Undertakings  
   106.    Registration of undertakings  
   107.    Orders by ACAT  
   108.    Contravention of orders  

   PART 7--ROLE OF COMMISSIONER

           Division 7.1--Functions generally

   109.    Functions  

           Division 7.2--Functions in relation to proceedings

   111.    Representing other people before ACAT  
   112.    Taking or defending proceedings for other people  
   113.    Conduct of proceedings so taken or defended  
   114.    Intervention by Minister or commissioner  
   115.    Presumption that Minister has consented  
   116.    Investigation of certain applications to ACAT  

           Division 7.3--Powers in relation to investigations

   117.    Investigators  
   118.    Powers of entry and inspection  
   119.    Consent to entry  
   120.    Search warrants  
   121.    Power to obtain information or documents  
   122.    Retaining and copying documents produced  
   123.    Obstructing etc investigator  

   PART 8--FINANCIAL COUNSELLING TRUST FUND

   124.    Continuation of fund  
   125.    Payments to fund  
   125A.   Payment into ACAT trust account  
   126.    Payments from fund  
   127.    Bank account  

   PART 8A--NOTIFICATION AND REVIEW OF DECISIONS

   128.    Meaning of reviewable decision—pt 8A  
   129.    Reviewable decision notices  
   130.    Applications for review  

   PART 9--MISCELLANEOUS

   134.    Secrecy  
   135.    Limitation on prosecution  
   136.    Conduct of agents  
   137.    Extensions of time  
   138.    Registration—evidence  
   138A.   Joint liability  
   140.    Determination of fees  
   140A.   Approved forms  
   141.    Regulation-making power  
           SCHEDULE 1
           DICTIONARY
           ENDNOTES