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NATIONAL CONSUMER CREDIT PROTECTION ACT 2009

Table of Provisions

CHAPTER 1--Introduction

 

PART 1-1--INTRODUCTION

PART 1-2--DEFINITIONS

DIVISION 1--Introduction

PART 1-3--APPLICATION OF THIS ACT AND THE TRANSITIONAL ACT

DIVISION 1--Introduction

CHAPTER 2--Licensing of persons who engage in credit activities

 

PART 2-1--REQUIREMENT TO BE LICENSED TO ENGAGE IN CREDIT ACTIVITIES

DIVISION 1--Introduction
  • 27 Guide to this Part  
  • DIVISION 2--Engaging in credit activities without a licence
  • 28 Application of this Division  
  • 29 Prohibition on engaging in credit activities without a licence  
  • DIVISION 3--Other prohibitions relating to the requirement to be licensed
  • 30 Prohibitions on holding out and advertising etc.  
  • 31 Prohibition on conducting business with unlicensed persons  
  • 32 Prohibition on charging a fee etc.  

PART 2-2--AUSTRALIAN CREDIT LICENCES

DIVISION 1--Introduction

PART 2-3--CREDIT REPRESENTATIVES AND OTHER REPRESENTATIVES OF LICENSEES

DIVISION 1--Introduction

PART 2-4--BANNING OR DISQUALIFICATION OF PERSONS FROM ENGAGING IN CREDIT ACTIVITIES

DIVISION 1--Introduction

PART 2-5--FINANCIAL RECORDS, TRUST ACCOUNTS AND AUDIT REPORTS

DIVISION 1--Introduction

PART 2-6--EXEMPTIONS AND MODIFICATIONS RELATING TO THIS CHAPTER

DIVISION 1--Introduction
  • 107 Guide to this Part  
  • DIVISION 2--Exemptions and modifications relating to this Chapter
  • 108 Provisions to which this Part applies  
  • 109 Exemptions and modifications by ASIC  
  • 110 Exemptions and modifications by the regulations  
  •  

CHAPTER 3--Responsible lending conduct

 

PART 3-1--LICENSEES THAT PROVIDE CREDIT ASSISTANCE IN RELATION TO CREDIT CONTRACTS

DIVISION 1--Introduction

PART 3-2--LICENSEES THAT ARE CREDIT PROVIDERS UNDER CREDIT CONTRACTS: GENERAL RULES

DIVISION 1--Introduction

PART 3-2A----LICENSEES THAT ARE CREDIT PROVIDERS UNDER CREDIT CONTRACTS: ADDITIONAL RULES RELATING TO STANDARD HOME LOANS

DIVISION 1--Introduction

PART 3-2B----LICENSEES THAT ARE CREDIT PROVIDERS UNDER CREDIT CONTRACTS: ADDITIONAL RULES RELATING TO CREDIT CARD CONTRACTS

DIVISION 1--Introduction

PART 3-2C----LICENSEES THAT ARE CREDIT PROVIDERS UNDER CREDIT CONTRACTS: ADDITIONAL RULES RELATING TO SHORT-TERM AND SMALL AMOUNT CREDIT CONTRACTS

DIVISION 1--Introduction

PART 3-2CA----LICENSEES SUPPLYING CREDIT INFORMATION TO CREDIT REPORTING BODIES ETC.

DIVISION 1--Introduction

PART 3-2D----LICENSEES AND REVERSE MORTGAGES

PART 3-3--LICENSEES THAT PROVIDE CREDIT ASSISTANCE IN RELATION TO CONSUMER LEASES

DIVISION 1--Introduction

PART 3-4--LICENSEES THAT ARE LESSORS UNDER CONSUMER LEASES

DIVISION 1--Introduction

PART 3-5--CREDIT REPRESENTATIVES

DIVISION 1--Introduction

PART 3-5A----MORTGAGE BROKERS AND MORTGAGE INTERMEDIARIES

DIVISION 1--Introduction

PART 3-6--DEBT COLLECTORS

DIVISION 1--Introduction
  • 159 Guide to this Part  
  • DIVISION 2--Credit guide of debt collectors
  • 160 Credit guide of debt collectors  

PART 3-6A----MISCELLANEOUS RULES

DIVISION 1--Introduction
  • 160A Guide to this Part  
  • DIVISION 2--Representations
  • 160B "Independent", "impartial" or "unbiased" etc.  
  • 160C "Financial counsellor" etc.  
  • DIVISION 2A--Use or disclosure of certain documents and information
  • 160CA Application of this Division  
  • 160CB Prohibition on use or disclosure of certain documents and information  
  • DIVISION 3--Giving misleading information
  • 160D Prohibition on giving misleading information etc.  
  • DIVISION 4--Giving authorisation for deductions by employer of debtor or lessee
  • 160E Requirements for giving authorisation to employer  
  • DIVISION 5--Periods for determining unsuitability in respect of credit card contracts
  • 160F Periods for determining unsuitability in respect of credit card contracts  
  • DIVISION 6--Proscribed referrals
  • 160G Prohibition on proscribed referrals  

PART 3-7--EXEMPTIONS AND MODIFICATIONS RELATING TO THIS CHAPTER

DIVISION 1--Introduction
  • 161 Guide to this Part  
  • DIVISION 2--Exemptions and modifications relating to this Chapter
  • 162 Provisions to which this Part applies  
  • 163 Exemptions and modifications by ASIC  
  • 164 Exemptions and modifications by the regulations  
  •  

CHAPTER 4--Remedies

 

PART 4-1--CIVIL PENALTY PROVISIONS

DIVISION 1--Introduction

PART 4-2--POWER OF THE COURT TO GRANT REMEDIES

DIVISION 1--Introduction

PART 4-3--JURISDICTION AND PROCEDURE OF COURTS

DIVISION 1--Introduction

CHAPTER 5--Administration

 

PART 5-1--MATTERS RELATING TO HANDLING RECORDS AND INFORMATION

DIVISION 1--Introduction

PART 5-2--DOCUMENTS LODGED WITH ASIC OR REQUIRED BY THIS ACT

DIVISION 1--Introduction
  • 215 Guide to this Part  
  • DIVISION 2--Lodgment of documents with ASIC
  • 216 When documents are lodged with ASIC  
  • 217 Approved forms for documents to be lodged with ASIC  
  • 218 ASIC may refuse to receive document etc.  
  • DIVISION 3--ASIC's register of documents
  • 219 Register of documents lodged with ASIC  
  • 220 ASIC may require person to give information for document registers  
  • 221 Written document setting out information from document registers is prima facie evidence of matters  
  • DIVISION 4--Other provisions relating to documents lodged with ASIC or required under this Act
  • 222 Certified copy or extract of document lodged with ASIC is admissible in evidence  
  • 223 ASIC may destroy or dispose of certain documents  
  • 224 Court may order lodgment of document etc.  
  • 225 False or misleading documents  

PART 5-3--CONCEALMENT OR FALSIFICATION OF CREDIT BOOKS

DIVISION 1--Introduction

PART 5-4--FEES IMPOSED BY THE NATIONAL CONSUMER CREDIT PROTECTION (FEES) ACT 2009

DIVISION 1--Introduction

PART 5-5--OTHER ADMINISTRATIVE MATTERS

DIVISION 1--Introduction

CHAPTER 6--Compliance and enforcement

 

PART 6-1--INVESTIGATIONS

DIVISION 1--Introduction
  • 246 Guide to this Part  
  • DIVISION 2--Investigations
  • 247 General powers of investigation  
  • 248 Minister may direct investigations  
  • 249 Interim report on investigation  
  • 250 Final report on investigation  
  • 251 Distribution of report  

PART 6-2--EXAMINATION OF PERSONS

DIVISION 1--Introduction

PART 6-3--INSPECTION OF BOOKS AND AUDIT INFORMATION-GATHERING POWERS

DIVISION 1--Introduction
  • 262 Guide to this Part  
  • DIVISION 2--Inspection of books and audit information-gathering powers
  • 263 When certain powers may be exercised  
  • 264 ASIC may inspect books without charge  
  • 265 Notice to auditors concerning information and books  
  • 266 Notice to produce books about credit activities or credit reporting  
  • 267 Notice to produce documents in person's possession  
  • 268 ASIC may authorise persons to require production of books, giving of information etc.  
  • 271 Powers if books produced or seized  
  • 272 Powers if books not produced  

PART 6-3A----SEARCH WARRANTS

DIVISION 1--Introduction
  • 272A Guide to this Part  
  • DIVISION 2--Extra application of Crimes Act search warrant provisions
  • 272B Extra application of Crimes Act search warrant provisions  
  • 272C Interpretation of modifications  
  • 272D Major modifications--evidential material  
  • 272E Major modifications--who may apply for a warrant etc.  
  • 272F Major modifications--purposes for which things may be used and shared  
  • 272G Minor modifications  

PART 6-4--PROCEEDINGS AFTER AN INVESTIGATION

DIVISION 1--Introduction
  • 273 Guide to this Part  
  • DIVISION 2--Proceedings after an investigation
  • 274 ASIC may prosecute  
  • 275 ASIC may bring civil proceedings  

PART 6-5--HEARINGS

DIVISION 1--Introduction

PART 6-5A----PENALTIES FOR OFFENCES

DIVISION 1--Introduction
  • 288A Guide to this Part  
  • DIVISION 2--Penalty for committing an offence
  • 288B Penalty for committing an offence  
  • 288C Penalty applicable to an offence committed by an individual  
  • 288D Penalty applicable to an offence committed by a body corporate  
  • 288E Meaning ofbecause of an offence  
  • 288F Where is the penalty for an offence specified?  
  • 288G If no penalty is specified  

PART 6-5B----INFRINGEMENT NOTICES

DIVISION 1--Introduction

PART 6-6--OFFENCES UNDER THIS CHAPTER

DIVISION 1--Introduction
  • 289 Guide to this Part  
  • DIVISION 2--Offences
  • 290 Contraventions of requirements made under this Chapter  
  • 291 False information  
  • 293 Disrupting hearings  
  • 294 Concealing books relevant to investigation  
  • 295 Self-incrimination  
  • 296 Legal professional privilege  
  • 297 Powers of court relating to contraventions of this Chapter  

PART 6-7--ASIC'S POWERS IN RELATION TO CONTRAVENTIONS OF THIS CHAPTER

DIVISION 1--Introduction

PART 6-7A----PRODUCT INTERVENTION ORDERS

DIVISION 1--Introduction
  • 301A Guide to this Part  
  • DIVISION 2--Product intervention orders
  • 301B Definitions  
  • 301C Application of product intervention orders  
  • 301D ASIC may make product intervention orders  
  • 301E Significant detriment to consumers  
  • 301F ASIC to consult before making product intervention orders  
  • 301G Commencement and duration of product intervention orders  
  • 301H Extension of product intervention orders  
  • 301J Amendment of product intervention orders  
  • 301K Revocation of product intervention orders  
  • 301L ASIC to issue public notice of product intervention orders  
  • 301M Remaking product intervention orders  
  • 301N Product intervention orders may require notification  
  • 301P Enforcement of product intervention orders  

PART 6-8--EVIDENTIARY USE OF CERTAIN MATERIAL

DIVISION 1--Introduction

PART 6-9--MISCELLANEOUS PROVISIONS RELATING TO COMPLIANCE AND ENFORCEMENT

DIVISION 1--Introduction
  • 311 Guide to this Part  
  • DIVISION 2--Miscellaneous provisions relating to compliance and enforcement
  • 312 Requirement made of a body corporate  
  • 313 Evidence of authority  
  • 314 Giving documents to natural persons  
  • 315 Place and time for production of books  
  • 316 Application of Crimes Act and Evidence Act  
  • 317 Allowances and expenses  
  • 318 Expenses of investigation under Part 6-1  
  • 319 Recovery of expenses of investigation  
  • 320 Compliance with this Chapter  
  • 321 Effect of this Chapter  
  • 322 Enforcement of undertakings  
  •  

CHAPTER 7--Miscellaneous

 

PART 7-1--MISCELLANEOUS

DIVISION 1--Introduction
  • 323 Guide to this Part  
  • DIVISION 1A--Avoidance schemes
  • 323A Schemes for avoidance purposes  
  • 323B Whether it is reasonable to draw conclusion as to purpose  
  • 323C Presumption of avoidance for certain schemes in civil cases  
  • 323D Exemption by ASIC  
  • DIVISION 2--Liability of persons for conduct of their agents etc.
  • 324 Liability for bodies corporate for conduct of their agents, employees etc.  
  • 325 Liability of persons (other than bodies corporate) for the conduct of their agents, employees etc.  
  • 326 Regulations for the purposes of this Division  
  • DIVISION 3--Review of ASIC's decisions
  • 327 Review by Administrative Appeals Tribunal of decisions by ASIC under this Act  
  • 328 Notice of reviewable decision and review rights  
  • DIVISION 4--Regulations
  • 329 Regulations  
  • 330 Regulations--where proceedings may be brought  
  • DIVISION 5--Other miscellaneous provisions
  • 332 Civil penalty provisions contravened or offences committed partly in and partly out of this jurisdiction  
  • 333 Contravention of Act does not generally affect validity of transactions etc.  
  • 334 Contracting out etc.  
  • 335 Indemnities  
  • 336 Acquisition of property  
  • 337 Minister may delegate prescribed functions and powers under this Act  

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