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NATIONAL CONSUMER CREDIT PROTECTION ACT 2009


TABLE OF PROVISIONS

           Long Title

            

CHAPTER 1--Introduction
            

   PART 1-1--INTRODUCTION

   1.      Short title  
   2.      Commencement  
   3.      The National Credit Code  

   PART 1-2--DEFINITIONS

           Division 1--Introduction

   4.      Guide to this Part  

           Division 2--The Dictionary

   5.      The Dictionary  

           Division 3--Definitions relating to the meaning of credit activity

   6.      Meaning of credit activity  
   7.      Meaning of credit service  
   8.      Meaning of credit assistance  
   9.      Meaning of acts as an intermediary  
   10.     Assignees of credit providers, lessors, mortgagees and beneficiaries of a guarantee  

           Division 4--Other definitions

   11.     Meaning of approved external dispute resolution scheme  
   12.     When a business is carried on in this jurisdiction  
   13.     Meaning of misleading  
   14.     Meaning of person--generally includes a partnership  
   15.     Meaning of person--generally includes multiple trustees  
   16.     Qualified privilege  

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

           Division 1--Introduction

   17.     Guide to this Part  

           Division 2--Constitutional basis and application of this Act and the Transitional Act

   18.     Constitutional basis for this Act and the Transitional Act  
   19.     Meaning of referring State  
   20.     Meaning of referred credit matter  
   21.     General application of this Act and the Transitional Act  
   22.     When Acts bind Crown  

           Division 3--Interaction between the Commonwealth credit legislation and State and Territory laws

   23.     Concurrent operation intended  
   24.     When Commonwealth credit legislation does not apply  
   25.     Avoiding direct inconsistency between Commonwealth and State and Territory laws  
   26.     Regulations to deal with interaction between laws  
            

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

   34.     Guide to this Part  

           Division 2--Australian credit licences

   35.     Australian credit licences  

           Division 3--How to get an Australian credit licence

   36.     Applying for a licence  
   37.     When a licence may be granted--applicants other than ADIs  
   38.     When a licence may be granted--ADIs  
   39.     Regulations may prescribe streamlined process for other applicants  
   40.     Licences must not be granted to certain applicants  
   41.     Applicant must be given hearing before refusal of licence  
   42.     Notice of grant or refusal of licence and date of effect  
   43.     Australian credit licence numbers  
   44.     Basis on which licence is granted  

           Division 4--Conditions on an Australian credit licence

   45.     The conditions on the licence  
   46.     Licence conditions--special procedures for APRA-regulated bodies  

           Division 5--Obligations of licensees

   47.     General conduct obligations of licensees  
   48.     Requirements for compensation arrangements  
   49.     Obligation to provide a statement or obtain an audit report if directed by ASIC  
   50.     Obligation to give ASIC information required by the regulations  
   51.     Obligation to provide ASIC with assistance if reasonably requested  
   52.     Obligation to cite Australian credit licence number  
   53.     Obligation to lodge annual compliance certificate  

           Division 6--When a licence can be suspended, cancelled or varied

              Subdivision A--Suspensions and cancellations

   54.     Suspension or cancellation without hearing  
   55.     Suspension or cancellation after offering a hearing  
   56.     Suspension and cancellation--special procedures for APRA-regulated bodies  

              Subdivision B--Variations

   57.     Varying licences  

              Subdivision C--Miscellaneous rules about suspensions, cancellations and variations

   58.     Effect of suspension  
   59.     Revocation of suspension  
   60.     Date of effect, notice and publication of variation, cancellation or suspension etc.  
   61.     Statement of reasons  
   62.     ASIC may allow licence to continue in force  

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

           Division 1--Introduction

   63.     Guide to this Part  

           Division 2--Authorisation of credit representatives

   64.     Licensee may authorise credit representatives  
   65.     Credit representative that is a body corporate may sub-authorise natural persons as credit representatives  
   66.     Credit representative of 2 or more licensees  
   67.     A person cannot be a credit representative in relation to credit activities authorised by a person's licence  
   68.     Variation and revocation of authorisations and sub-authorisations  
   69.     Obligation not to give authorisation that has no effect  
   70.     Obligation to vary or revoke authorisation that ceases to have effect  
   71.     Obligation to notify ASIC etc. about credit representatives  
   72.     Credit representative numbers  

           Division 3--Information about representatives

   73.     ASIC may give licensee information about representatives  

           Division 4--Liability of licensees for representatives

   74.     Application of this Division  
   75.     Responsibility if representative of only one licensee  
   76.     Representatives of multiple licensees  
   77.     Responsibility extends to loss or damage suffered by client  
   78.     Effect of this Division  

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

           Division 1--Introduction

   79.     Guide to this Part  

           Division 2--Banning orders

   80.     ASIC's power to make a banning order  
   81.     What is a banning order?  
   82.     Effect of banning orders  
   83.     Variation or cancellation of banning orders  
   84.     Date of effect, notice and publication of banning order, variation or cancellation  
   85.     Statement of reasons  

           Division 3--Disqualification by the court

   86.     Disqualification by the court  

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

           Division 1--Introduction

   87.     Guide to this Part  

           Division 2--Financial records of licensees

   88.     Obligation to keep financial records  
   89.     How financial records are to be kept  
   90.     Language of financial records  
   91.     Location of financial records  
   92.     Information to be shown in financial records  
   93.     Regulations may impose additional requirements  
   94.     Financial records taken to be made with licensee's authority  
   95.     Obligation to retain financial records for 7 years  
   96.     Financial records are prima facie evidence of matters  

           Division 3--Trust accounts of credit service licensees

   97.     Application of this Division  
   98.     Obligation for credit service licensees to maintain trust account  
   99.     Obligations in relation to trust account money  
   100.    Obligation to lodge trust account statement and trust account audit report  
   101.    Time of lodgment of trust account statement and trust account audit report  

           Division 4--Matters relating to audit reports

   102.    Auditor's right of access to records, information etc.  
   103.    Auditor's fees and expenses  
   104.    Auditor to report on certain matters  
   105.    Qualified privilege for auditor etc.  
   106.    Regulations in relation to audit reports etc.  

   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

   111.    Guide to this Part  
   112.    Application of this Part  

           Division 2--Credit guide of credit assistance providers

   113.    Credit guide of credit assistance providers  

           Division 3--Quote for providing credit assistance etc

   114.    Quote for providing credit assistance etc.  

           Division 4--Obligations of credit assistance providers before providing credit assistance for credit contracts

   115.    Obligations of credit assistance providers before providing credit assistance for credit contracts  
   116.    Preliminary assessment of unsuitability of the credit contract  
   117.    Reasonable inquiries etc. about the consumer  
   118.    When the credit contract must be assessed as unsuitable--entering contract or increasing the credit limit  
   119.    When the credit contract must be assessed as unsuitable--remaining in credit contract  
   120.    Providing the consumer with the preliminary assessment  

           Division 5--Fees, commissions etc

   121.    Fees, commissions etc. relating to credit contracts  
   122.    No profiting from fees etc. paid to third parties  

           Division 6--Prohibition on suggesting, or assisting with, unsuitable credit contracts

   123.    Prohibition on suggesting or assisting consumers to enter, or increase the credit limit under, unsuitable credit contracts  
   124.    Prohibition on suggesting to consumers to remain in unsuitable credit contracts  

           Division 7--Special rules for short-term and small amount credit contracts

   124A.   Prohibition on providing credit assistance in relation to short-term credit contracts  
   124B.   Licensee who makes representations about credit assistance in relation to small amount credit contracts must display information etc.  

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

           Division 1--Introduction

   125.    Guide to this Part  

           Division 2--Credit guide of credit providers

   126.    Credit guide of credit providers  
   127.    Credit guide of credit providers who are assignees  

           Division 3--Obligation to assess unsuitability

   128.    Obligation to assess unsuitability  
   129.    Assessment of unsuitability of the credit contract  
   130.    Reasonable inquiries etc. about the consumer  
   131.    When credit contract must be assessed as unsuitable  
   132.    Giving the consumer the assessment  

           Division 4--Prohibition on entering, or increasing the credit limit of, unsuitable credit contracts

   133.    Prohibition on entering, or increasing the credit limit of, unsuitable credit contracts  

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

           Division 1--Introduction

   133A.   Guide to this Part  

           Division 2--Key Facts Sheets for standard home loans

   133AA.  What is a standard home loan?  
   133AB.  What is a Key Facts Sheet for a standard home loan?  
   133AC.  Credit provider's website to provide capacity to generate Key Facts Sheet  
   133AD.  Credit provider to provide Key Facts Sheet in other situations  
   133AE.  What if more information is needed from the consumer?  
   133AF.  Defences to obligation to provide a Key Facts Sheet  

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

           Division 1--Introduction

   133B.   Guide to this Part  

           Division 2--Credit card contracts and related concepts

   133BA.  Meaning of credit card contract etc.  

           Division 3--Key Facts Sheets for credit card contract

   133BB.  What is a Key Facts Sheet for a credit card contract?  
   133BC.  Application form for credit card contract to include up-to-date Key Facts Sheet  
   133BD.  Credit provider not to enter into credit card contract unless Key Facts Sheet has been provided etc.  

           Division 4--Offers etc

   133BE.  Credit provider not to offer etc. to increase credit limit of credit card contract  
   133BF.  Informed consent of the consumer to the making of credit limit increase invitations  
   133BG.  Records of consents and withdrawals to be kept  

           Division 5--Use of credit card in excess of credit limit

   133BH.  Credit provider to notify consumer of use of credit card in excess of credit limit  
   133BI.  Credit provider not to impose fees etc. because credit card used in excess of credit limit  
   133BJ.  Records of consents and withdrawals to be kept  

           Division 6--Order of application of payments made under credit card contracts

   133BO.  Credit provider to apply payments in accordance with this Division  
   133BP.  Agreement to apply payment against particular amount owed  
   133BQ.  Application of payment against last statement balance, with higher interest debts to be discharged first  
   133BR.  Application of any remaining part of the relevant payment  

   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

   133C.   Guide to this Part  

           Division 2--Short-term and small amount credit contracts

   133CA.  Prohibition on entering, or increasing the credit limit of, short-term credit contracts  
   133CB.  Licensee who makes representations about small amount credit contracts must display information etc.  
   133CC.  Licensee must not enter into a small amount credit contract if the repayments do not meet the prescribed requirements  

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

   133DA.  Guide to this Part  
   133DB.  Giving projections of equity before providing credit assistance or entering credit contract  
   133DC.  Making reverse mortgage information statement available on website of credit provider or credit assistance provider  
   133DD.  Making reverse mortgage information statement available in other situations  
   133DE.  Representations that use the term "reverse mortgage" etc.  

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

           Division 1--Introduction

   134.    Guide to this Part  
   135.    Application of this Part  

           Division 2--Credit guide of credit assistance providers

   136.    Credit guide of credit assistance providers  

           Division 3--Quote for providing credit assistance etc

   137.    Quote for providing credit assistance etc.  

           Division 4--Obligations of credit assistance providers before providing credit assistance for consumer leases

   138.    Obligations of credit assistance providers before providing credit assistance for consumer leases  
   139.    Preliminary assessment of unsuitability of the consumer lease  
   140.    Reasonable inquiries etc. about the consumer  
   141.    When the consumer lease must be assessed as unsuitable--entering lease  
   142.    When the consumer lease must be assessed as unsuitable--remaining in lease  
   143.    Providing the consumer with the preliminary assessment  

           Division 5--Fees, commissions etc

   144.    Fees, commissions etc. relating to consumer leases  
   145.    No profiting from fees etc. paid to third parties  

           Division 6--Prohibition on suggesting, or assisting with, unsuitable consumer leases

   146.    Prohibition on suggesting, or assisting with, unsuitable consumer leases  
   147.    Prohibition on suggesting to consumers to remain in unsuitable consumer leases  

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

           Division 1--Introduction

   148.    Guide to this Part  

           Division 2--Credit guide of lessors

   149.    Credit guide of lessors  
   150.    Credit guide of lessors who are assignees  

           Division 3--Obligation to assess unsuitability

   151.    Obligation to assess unsuitability  
   152.    Assessment of unsuitability of the consumer lease  
   153.    Reasonable inquiries etc. about the consumer  
   154.    When consumer lease must be assessed as unsuitable  
   155.    Giving the consumer the assessment  

           Division 4--Prohibition on entering unsuitable consumer leases

   156.    Prohibition on entering unsuitable consumer leases  

   PART 3-5--CREDIT REPRESENTATIVES

           Division 1--Introduction

   157.    Guide to this Part  

           Division 2--Credit guide of credit representatives

   158.    Credit guide of credit representatives  

   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 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  

   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

   165.    Guide to this Part  

           Division 2--Declarations and pecuniary penalty orders for contraventions of civil penalty provisions

   166.    Declaration of contravention of civil penalty provision  
   167.    Court may order person to pay pecuniary penalty for contravening civil penalty provision  

           Division 3--General provisions relating to civil penalty provisions

   168.    Contravening a civil penalty provision is not an offence  
   169.    Involvement in contravention treated in same way as actual contravention  
   170.    Civil evidence and procedure rules for proceedings relating to civil penalty provisions  
   171.    Criminal proceedings before civil proceedings  
   172.    Criminal proceedings during civil proceedings  
   173.    Criminal proceedings after civil proceedings  
   174.    Evidence given in proceedings for pecuniary penalty not admissible in criminal proceedings  
   175.    Civil double jeopardy  

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

           Division 1--Introduction

   176.    Guide to this Part  

           Division 2--Power of the court to grant remedies

   177.    Injunctions  
   178.    Compensation orders  
   179.    Other orders to compensate loss or damage  
   180.    Orders in relation to unlawful credit activities  
   180A.   Orders to remedy unfair or dishonest conduct by credit service providers  
   181.    Preference must be given to compensate consumers  
   182.    Adverse publicity orders  
   183.    Relief from liability for contravention of civil penalty provision  
   184.    Multiple remedies may be granted  

   PART 4-3--JURISDICTION AND PROCEDURE OF COURTS

           Division 1--Introduction

   185.    Guide to this Part  

           Division 2--Civil proceedings

              Subdivision A--Application of this Division

   186.    Application of this Division  

              Subdivision B--Conferral of civil jurisdiction

   187.    Civil jurisdiction of courts  
   188.    Jurisdiction--decisions to prosecute and related criminal justice process decisions made by Commonwealth officers  
   189.    Cross-jurisdictional appeals  
   190.    Courts to act in aid of each other  

              Subdivision C--Transfers between courts

   191.    Transfers--application of Subdivision  
   192.    Transfers--exercise of transfer power  
   193.    Transfers--criteria for transfer  
   194.    Transfers--how initiated  
   195.    Transfers--documents and procedure  
   196.    Transfers--conduct of proceedings  
   197.    Transfers--entitlement to practise as a lawyer  
   198.    Transfers--limitation on appeals  

              Subdivision D--Other matters

   199.    Plaintiffs may choose small claims procedure  
   200.    Costs only if proceedings brought vexatiously etc.  
   201.    Civil proceedings not to be stayed  
   202.    Standard of proof in civil proceedings  

           Division 3--Criminal proceedings

              Subdivision A--Application of this Division

   203.    Application of this Division  

              Subdivision B--Conferral of criminal jurisdiction

   204.    Criminal jurisdiction of courts  
   205.    Criminal proceedings--laws to be applied  
   206.    Criminal proceedings--how taken  
   207.    Certain persons to assist in prosecutions  
   208.    Privilege against self-incrimination not available to bodies corporate in criminal proceedings  

           Division 4--Proceedings generally

   209.    ASIC's power to intervene in proceedings  
   210.    Evidence of contravention  
   211.    Power of court to punish for contempt of court  
            

CHAPTER 5--Administration
            

   PART 5-1--REGISTERS RELATING TO CREDIT ACTIVITIES

           Division 1--Introduction

   212.    Guide to this Part  

           Division 2--Registers relating to credit activities

   213.    Credit registers  
   214.    Inspection and public availability of credit registers  

   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.    Offences relating to documents lodged with ASIC etc.  

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

           Division 1--Introduction

   226.    Guide to this Part  

           Division 2--Prohibitions relating to the concealment or falsification of credit books

   227.    Concealing etc. of credit books  
   228.    Falsification of credit books  
   229.    Precautions against falsification of credit books  

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

           Division 1--Introduction

   230.    Guide to this Part  

           Division 2--Fees imposed by the National Consumer Credit Protection (Fees) Act 2009

   231.    Fees are payable to the Commonwealth  
   232.    Lodgment of document without payment of fee  
   233.    Doing act without payment of fee  
   234.    Effect of sections 232 and 233  
   235.    Waiver and refund of fees  
   236.    Debts due to the Commonwealth  
   237.    Payment of fee does not give right to inspect or search  

   PART 5-5--OTHER ADMINISTRATIVE MATTERS

           Division 1--Introduction

   238.    Guide to this Part  

           Division 2--Other administrative matters

   239.    ASIC has general administration of this Act  
   240.    Obstructing or hindering ASIC etc.  
   241.    Approved codes of conduct  
   242.    ASIC may arrange for use of computer programs to make decisions  
   243.    Qualified privilege for information given to ASIC  
   244.    ASIC certificate is prima facie evidence of matters  
   245.    Operator of approved external dispute resolution scheme may give information to ASIC  
            

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

   252.    Guide to this Part  

           Division 2--Examination of persons

   253.    Notice requiring appearance for examination  
   254.    Proceedings at examination  
   255.    Requirements made of examinee  
   256.    Examination to take place in private  
   257.    Examinee's lawyer may attend  
   258.    Record of examination  
   259.    Giving to other persons copies of record  
   260.    Copies given subject to conditions  
   261.    Record to accompany report  

   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  
   267.    Notice to produce documents in person's possession  
   268.    ASIC may authorise persons to require production of books, giving of information etc.  
   269.    Application for warrant to seize books not produced  
   270.    Grant of warrant  
   271.    Powers if books produced or seized  
   272.    Powers if books not produced  

   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

   276.    Guide to this Part  

           Division 2--Hearings

   277.    Power to hold hearings  
   278.    General discretion to hold hearing in public or private  
   279.    Request by person appearing at hearing that it take place in public  
   280.    Certain hearings to take place in private  
   281.    ASIC may restrict publication of certain material  
   282.    Who may be present when hearing takes place in private  
   283.    Involvement of person entitled to appear at hearing  
   284.    Power to summon witnesses and take evidence  
   285.    Proceedings at hearings  
   286.    ASIC to take account of evidence and submissions  
   287.    Reference to court of question of law arising at hearing  
   288.    Protection of ASIC members etc.  

   PART 6-6--OFFENCES

           Division 1--Introduction

   289.    Guide to this Part  

           Division 2--Offences

   290.    Contraventions of requirements made under this Chapter  
   291.    False information  
   292.    Obstructing person executing a warrant under this Chapter  
   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

   298.    Guide to this Part  

           Division 2--ASIC's powers in relation to contraventions of this Chapter

   299.    Application of this Part  
   300.    Orders by ASIC relating to credit contracts, mortgages, guarantees or consumer leases  
   301.    Orders under this Part  

   PART 6-8--EVIDENTIARY USE OF CERTAIN MATERIAL

           Division 1--Introduction

   302.    Guide to this Part  

           Division 2--Evidentiary use of certain material

   303.    Statements made at an examination: proceedings against examinee  
   304.    Statements made at an examination: other proceedings  
   305.    Weight of evidence admitted under section 304  
   306.    Objection to admission of statements made at examination  
   307.    Copies of, or extracts from, certain books  
   308.    Report under Part 6-1  
   309.    Exceptions to admissibility of report  
   310.    Material otherwise admissible  

   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 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  
   331.    Regulations--infringement notices  

           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  
   335A.   Review relating to small amount credit contracts  
   336.    Acquisition of property  
   337.    Minister may delegate prescribed functions and powers under this Act  
           SCHEDULE 1 National Credit Code


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