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NATIONAL CONSUMER CREDIT PROTECTION ACT 2009 - NOTES

NATIONAL CONSUMER CREDIT PROTECTION ACT 2009 - NOTES

No. 134, 2009

Compilation No. 45

Compilation date: 1 January 2024

Includes amendments: Act No. 69, 2023

Registered: 12 January 2024

This compilation is in 2 volumes

Volume 1: sections 1-322

Volume 2: sections 323-337

 Schedule 1

 Endnotes

Each volume has its own contents

About this compilation

This compilation

This is a compilation of the National Consumer Credit Protection Act 2009 that shows the text of the law as amended and in force on 1 January 2024 (the compilation date).

The notes at the end of this compilation (the endnotes) include information about amending laws and the amendment history of provisions of the compiled law.

Uncommenced amendments

The effect of uncommenced amendments is not shown in the text of the compiled law. Any uncommenced amendments affecting the law are accessible on the Register (www.legislation.gov.au). The details of amendments made up to, but not commenced at, the compilation date are underlined in the endnotes. For more information on any uncommenced amendments, see the Register for the compiled law.

Application, saving and transitional provisions for provisions and amendments

If the operation of a provision or amendment of the compiled law is affected by an application, saving or transitional provision that is not included in this compilation, details are included in the endnotes.

Editorial changes

For more information about any editorial changes made in this compilation, see the endnotes.

Modifications

If the compiled law is modified by another law, the compiled law operates as modified but the modification does not amend the text of the law. Accordingly, this compilation does not show the text of the compiled law as modified. For more information on any modifications, see the Register for the compiled law.

Self-repealing provisions

If a provision of the compiled law has been repealed in accordance with a provision of the law, details are included in the endnotes.

 

 

 

Contents

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

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

15A Meaning of associate

15B Meaning of mortgage broker

15C Meaning of mortgage intermediary

16 Qualified privilege

16A Meaning of control

16B Meaning of Registrar

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

37A Fit and proper person test

37B Fit and proper person test--matters to which ASIC must have regard

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

46A ASIC may request information etc. in relation to an application for conditions to be varied

Division 5--Obligations of licensees

Subdivision A--General obligations

47 General conduct obligations of licensees

48 Requirements for compensation arrangements

Subdivision B--Providing information and assistance to ASIC

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

50A What are reportable situations?

50B Obligation to lodge a report--reportable situations in relation to the licensee

50C Obligation to lodge a report--reportable situations in relation to other licensees

50D ASIC must publish details of certain reports

51 Obligation to provide ASIC with assistance if reasonably requested

Subdivision C--Notifying and remediating consumers affected by reportable situations

51A Reporting to consumers affected by a reportable situation

51B Obligation to investigate reportable situations that may affect consumers

51C Obligation to keep records of compliance

Subdivision D--Miscellaneous

52 Obligation to cite Australian credit licence number

53 Obligation to lodge annual compliance certificate

53A Obligation to notify ASIC of change in control

53B Obligation to notify ASIC if licensee does not engage in credit activities

53C Knowledge and recklessness

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 a banning order prohibits

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. in relation to credit contracts

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, indirect remuneration etc. relating to credit contracts

121 Fees, indirect remuneration 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 and give information

124C Written documentation required in relation to the preliminary assessment for a small amount credit contract

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. to increase, and entitlement to reduce, credit limit of credit card contract

133BE Credit provider not to offer etc. to increase credit limit of credit card contract

133BF Credit provider not to enter into credit card contract unless it allows credit limit to be reduced

133BFA Credit provider to provide online capacity to request reduction of credit limit

133BFB Credit provider not to suggest the consumer not reduce the credit limit

133BFC Credit provider to give effect to request to reduce credit limit

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

Division 7--Calculation of interest under credit card contracts

133BS Credit provider not to impose retrospective interest charges

Division 8--Ending credit card contracts

133BT Credit provider not to enter into credit card contract unless it allows for termination of contracts

133BU Credit provider to provide online capacity to request termination of credit card contract

133BV Credit provider not to suggest the consumer not terminate the credit card contract

133BW Credit provider to give effect to request to terminate credit card contract

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 in relation to small amount credit contracts must display and give information

133CC Licensee must not enter into a small amount credit contract if the repayments do not meet the prescribed requirements

133CD Licensee must not enter into a small amount credit contract if repayment amounts and intervals are not equal

133CE Written documentation required in relation to the assessment for a small amount credit contract

133CF Licensee not to make certain unsolicited communications in relation to a small amount credit contract

Part 3-2CA--Licensees supplying credit information to credit reporting bodies etc.

Division 1--Introduction

133CM Guide to this Part

133CN Meanings of eligible licensee and eligible credit reporting body

133CO Meaning of eligible credit account

133CP Meaning of mandatory credit information

133CQ Meaning of supply requirements

Division 2--Supplying credit information to credit reporting bodies etc.

Subdivision A--Initial bulk supplies of credit information

133CR Requirement to supply

133CS Exception if credit reporting body not complying with information security requirements

133CT Licensee must give notice if credit reporting body later complies with information security requirements

Subdivision B--Ongoing supplies of credit information

133CU Requirement to supply

133CV Exception if credit reporting body not complying with information security requirements

133CW Licensee must give notice if credit reporting body later complies with information security requirements

Subdivision C--Offences

133CX Offence relating to initial bulk supplies

133CY Offence relating to ongoing supplies

133CZ Offence relating to giving notice if credit reporting body later complies with information security requirements

Division 3--Conditions on credit reporting bodies on-disclosing credit information

133CZA On-disclosing information supplied under Division 2 etc.

133CZB Offence

Division 4--Reporting to the Minister

133CZC Reports about initial bulk supplies of credit information

133CZD Auditors

133CZE Offence

Division 5--Assisting ASIC

133CZF Meaning of Part 3-2CA body

133CZG Obligation to provide a statement or obtain an audit report if directed by ASIC

133CZH Obligation to give ASIC information required by the regulations

133CZI Obligation to provide ASIC with assistance if reasonably requested

133CZJ Extended application of Division 4 of Part  2-5

Division 6--Miscellaneous

133CZK This Part does not limit the Privacy Act 1988

133CZL Review of the operation of this Part

133CZM Main constitutional basis

133CZN Other constitutional bases

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. in relation to consumer leases

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, indirect remuneration etc. relating to consumer leases

144 Fees, indirect remuneration 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

Division 7--Special rules for consumer leases for household goods

147A Licensee who makes representations about credit assistance in relation to consumer leases for household goods must display and give information

147B Written documentation required in relation to the preliminary assessment for a consumer lease for household goods

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

Division 5--Special rules for consumer leases for household goods

156A Licensee who makes representations about consumer leases for household goods must display and give information

156B Licensee must not enter into a consumer lease for household goods if the payments do not meet the prescribed requirements

156C Written documentation required in relation to the assessment for a consumer lease for household goods

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 3-5A--Mortgage brokers and mortgage intermediaries

Division 1--Introduction

Subdivision A--Guide to this Part

158K Guide to this Part

Subdivision B--Interpretation

158KA Doing acts

158KB Circumstances in which a secondary representative is taken to be acting within actual or apparent authority

158KC Obligations under this Part in addition to other obligations

Division 2--Best interests obligations

Subdivision A--Licensees that provide credit assistance in relation to credit contracts

158L Application of this Subdivision

158LA Licensee must act in the best interests of the consumer

158LB Conflict between consumer's interests and those of the licensee etc.

Subdivision B--Credit representatives that provide credit assistance in relation to credit contracts

158LD Application of this Subdivision

158LE Credit representative must act in the best interests of the consumer

158LF Conflict between consumer's interests and those of the credit representative etc.

Division 4--Conflicted remuneration

Subdivision A--What is conflicted remuneration?

158N Conflicted remuneration

158NA Regulations may further define conflicted remuneration

Subdivision B--Ban on accepting conflicted remuneration

158NB Licensee must not accept conflicted remuneration

158NC Credit representative must not accept conflicted remuneration

Subdivision C--Ban on giving conflicted remuneration

158ND Employer must not give employees conflicted remuneration

158NE Credit provider must not give conflicted remuneration

158NF Mortgage intermediary must not give conflicted remuneration

Division 6--Miscellaneous

158T Anti-avoidance

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

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

167A Maximum pecuniary penalty

167B Pecuniary penalty applicable

167C Relinquishing the benefit derived from contravening a civil penalty provision

167D Meaning of benefit derived and detriment avoided because of a contravention of a civil penalty provision

Division 3--General provisions relating to civil penalty provisions

168 Contravening a civil penalty provision is not an offence

169 Attempt and 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

175A Continuing contraventions of civil penalty provisions

175B State of mind

175C Mistake of fact

175D Exceptions etc. to civil penalty provisions--burden of proof

175E Civil penalty provisions contravened by employees, agents or officers

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--Matters relating to handling records and information

Division 1--Introduction

212 Guide to this Part

Division 1A--The Registrar

Subdivision A--The Registrar

212A Appointment of the Registrar

212B Functions

212C Powers

212D Directions by Minister

212E Delegation

212F Assisted decision making

212G Liability for damages

Subdivision B--How the Registrar is to perform and exercise functions and powers

212H Data standards

212J Giving information to the Registrar

212K How the Registrar is to perform and exercise functions and powers

Subdivision C--Disclosure of information

212L Disclosure framework

212M Protection of confidentiality of protected information

212N Authorisation of recording or disclosure

212P Preventing disclosure of particular protected information

212Q Authorisation for purposes of Privacy Act

212R Disclosure to a court

Subdivision D--Miscellaneous

212S Extracts of information to be admissible in evidence

212T Annual report

212U Rules

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 False or misleading documents

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 1A--Codes of conduct

Subdivision A--Approved codes of conduct

238A Approved codes of conduct

238B Variations to approved codes of conduct

238C Review of approved codes of conduct

238D Obligation to comply with enforceable code provisions

238E Regulations

Subdivision B--Mandatory codes of conduct

238F Mandatory codes of conduct

238G Obligation to comply with mandatory code of conduct

Division 2--Other administrative matters

239 ASIC has general administration of this Act

240 Obstructing or hindering ASIC etc.

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 AFCA 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

256A Proceedings at examination

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 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

Subdivision A--Basic extra application

272B Extra application of Crimes Act search warrant provisions

272C Interpretation of modifications

Subdivision B--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

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

285A 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 6-5A--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 of benefit derived and detriment avoided because 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

288H Guide to this Part

Division 2--Infringement notices

288J When an infringement notice may be given

288K Provisions subject to an infringement notice

288L Matters to be included in an infringement notice

288M Payment period

288N Extension of time to pay amount

288P Payment by instalments

288Q Withdrawal of an infringement notice

288R Effect of payment of amount

288S Effect of this Part

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

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 6-7A--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

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

 

Endnotes

Endnote 1--About the endnotes

The endnotes provide information about this compilation and the compiled law.

The following endnotes are included in every compilation:

Endnote 1--About the endnotes

Endnote 2--Abbreviation key

Endnote 3--Legislation history

Endnote 4--Amendment history

Abbreviation key--Endnote 2

The abbreviation key sets out abbreviations that may be used in the endnotes.

Legislation history and amendment history--Endnotes 3 and 4

Amending laws are annotated in the legislation history and amendment history.

The legislation history in endnote 3 provides information about each law that has amended (or will amend) the compiled law. The information includes commencement details for amending laws and details of any application, saving or transitional provisions that are not included in this compilation.

The amendment history in endnote 4 provides information about amendments at the provision (generally section or equivalent) level. It also includes information about any provision of the compiled law that has been repealed in accordance with a provision of the law.

Editorial changes

The Legislation Act 2003 authorises First Parliamentary Counsel to make editorial and presentational changes to a compiled law in preparing a compilation of the law for registration. The changes must not change the effect of the law. Editorial changes take effect from the compilation registration date.

If the compilation includes editorial changes, the endnotes include a brief outline of the changes in general terms. Full details of any changes can be obtained from the Office of Parliamentary Counsel.

Misdescribed amendments

A misdescribed amendment is an amendment that does not accurately describe how an amendment is to be made. If, despite the misdescription, the amendment can be given effect as intended, then the misdescribed amendment can be incorporated through an editorial change made under section  15V of the Legislation Act 2003.

If a misdescribed amendment cannot be given effect as intended, the amendment is not incorporated and "(md not incorp)" is added to the amendment history.

 

Endnote 2--Abbreviation key

 

ad = added or inserted

o = order(s)

am = amended

Ord = Ordinance

amdt = amendment

orig = original

c = clause(s)

par = paragraph(s)/subparagraph(s)

C[x] = Compilation No. x

/sub-subparagraph(s)

Ch = Chapter(s)

pres = present

def = definition(s)

prev = previous

Dict = Dictionary

(prev ... ) = previously

disallowed = disallowed by Parliament

Pt = Part(s)

Div = Division(s)

r = regulation(s)/rule(s)

ed = editorial change

reloc = relocated

exp = expires/expired or ceases/ceased to have

renum = renumbered

effect

rep = repealed

F = Federal Register of Legislation

rs = repealed and substituted

gaz = gazette

s = section(s)/subsection(s)

LA = Legislation Act 2003

Sch = Schedule(s)

LIA = Legislative Instruments Act 2003

Sdiv = Subdivision(s)

(md) = misdescribed amendment can be given

SLI = Select Legislative Instrument

effect

SR = Statutory Rules

(md not incorp) = misdescribed amendment

Sub-Ch = Sub-Chapter(s)

cannot be given effect

SubPt = Subpart(s)

mod = modified/modification

underlining = whole or part not

No. = Number(s)

commenced or to be commenced

 

Endnote 3--Legislation history

 

Act

Number and year

Assent

Commencement

Application, saving and transitional provisions

National Consumer Credit Protection Act 2009

134, 2009

15 Dec 2009

s 3-337 and Sch 1: 1 Apr 2010 (s 2(1) item 2)
Remainder: 15 Dec 2009 (s 2(1) item 1)

 

National Consumer Credit Protection Amendment Act 2010

9, 2010

3 Mar 2010

3 Mar 2010

--

Statute Law Revision Act 2011

5, 2011

22 Mar 2011

Schedule 1 (items 66-68): Royal Assent

--

Acts Interpretation Amendment Act 2011

46, 2011

27 June 2011

Schedule 2 (items 781-784) and Schedule 3 (items 10, 11): 27 Dec 2011

Sch. 3 (items 10, 11)

National Consumer Credit Protection Amendment (Home Loans and Credit Cards) Act 2011

84, 2011

25 July 2011

Schedule 1 (items 1-5): 1 Jan 2012
Schedule 1 (items 6, 8-10, 12, 14, 15, 17-28): 1 July 2012

--

Consumer Credit Legislation Amendment (Enhancements) Act 2012

130, 2012

17 Sept 2012

Schedule 1, Schedule 2 (items 9-14, 16-18, 21, 22, 24-26), Schedule 3 and Schedule  5: 1 Mar 2013
Schedule 2 (items 1-8, 15, 19, 20, 23): 18 Sept 2012
Schedule 4: 1 July 2013

--

Privacy Amendment (Enhancing Privacy Protection) Act 2012

197, 2012

12 Dec 2012

Sch 5 (items 131, 132) and Sch 6 (items 15-19): 12 Mar 2014 (s 2(1) items 3, 19)
Sch 6 (item 1): 12 Dec 2012 (s 2(1) item 16)

Sch 6 (items 1, 15-19)

Federal Circuit Court of Australia (Consequential Amendments) Act 2013

13, 2013

14 Mar 2013

Sch 1 (items 418, 419) and Sch 2 (item 1): 12 Apr 2013 (s 2(1) items  2, 3)

--

Public Governance, Performance and Accountability (Consequential and Transitional Provisions) Act 2014

62, 2014

30 June 2014

Sch 10 (item 35) and Sch 14: 1 July 2014 (s 2(1) items 6, 14)

Sch 14

as amended by

 

 

 

 

Public Governance and Resources Legislation Amendment Act (No. 1) 2015

36, 2015

13 Apr 2015

Sch 2 (items 7-9) and Sch 7: 14 Apr 2015 (s 2)

Sch 7

as amended by

 

 

 

 

Acts and Instruments (Framework Reform) (Consequential Provisions) Act 2015

126, 2015

10 Sept 2015

Sch 1 (item 486): 5 Mar 2016 (s 2(1) item 2)

 

Acts and Instruments (Framework Reform) (Consequential Provisions) Act 2015

126, 2015

10 Sept 2015

Sch 1 (item 495): 5 Mar 2016 (s 2(1) item 2)

--

Insolvency Law Reform Act 2016

11, 2016

29 Feb 2016

Sch 2 (item 299): 1 Mar 2017 (s 2(1) item 5)

--

ASIC Supervisory Cost Recovery Levy (Consequential Amendments) Act 2017

45, 2017

19 June 2017

Sch 1 (item 28, 29): 1 July 2017 (s 2(1) item 1)

Sch 1 (item 29)

Treasury Laws Amendment (Banking Measures No. 1) Act 2018

9, 2018

5 Mar 2018

Sch 5 (items 1-8, 15-23): 1 Jan 2019 (s 2(1) items 5, 7, 8)
Sch 5 (items 9-14): 1 July 2018 (s 2(1) item 6)

--

Treasury Laws Amendment (Putting Consumers First--Establishment of the Australian Financial Complaints Authority) Act 2018

13, 2018

5 Mar 2018

s 4: 5 Mar 2018 (s 2(1) item 1)
Sch 1 (items 34-38, 44, 47-51, 58, 63-68, 72) and Sch 2 (item 5): 6 Mar 2018 (s 2(1) items 3, 5-7)

s 4 and Sch 1 (items 44, 58, 72)

Treasury Laws Amendment (Strengthening Corporate and Financial Sector Penalties) Act 2019

17, 2019

12 Mar 2019

Sch 3 (items 1-49) and Sch 5 (items 16-24): 13 Mar 2019 (s 2(1) items 2, 5, 6)
Sch 5 (items 3-15): never commenced (s 2(1) item 4)
Sch 5 (items 29-34): 6 Apr 2019 (s 2(1) item 8)

--

Treasury Laws Amendment (2019 Measures No. 1) Act 2019

49, 2019

5 Apr 2019

Sch 4 (items 63-65): 6 Apr 2019 (s 2(1) item 11)

Sch 4 (item 65)

Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019

50, 2019

5 Apr 2019

Sch 2 (items 13-15): 6 Apr 2019 (s 2(1) item 3)

--

Financial Sector Reform (Hayne Royal Commission Response--Protecting Consumers (2019 Measures)) Act 2020

2, 2020

17 Feb 2020

Sch 3 (items 1-5, 7-29): 18 Feb 2020 (s 2(1) item 3)

--

Financial Sector Reform (Hayne Royal Commission Response--Stronger Regulators (2019 Measures)) Act 2020

3, 2020

17 Feb 2020

Sch 1 (items 2, 13-20), Sch 3 (items 34-54, 61) and Sch 4 (items 23-38): 18 Feb 2020 (s 2(1) item  1)

--

Treasury Laws Amendment (2018 Measures No. 2) Act 2020

8, 2020

26 Feb 2020

Sch 1 (items 3-7): 27 Feb 2020 (s 2(1) item 2)

--

Treasury Laws Amendment (2019 Measures No. 3) Act 2020

64, 2020

22 June 2020

Sch 3 (items 34-39): 23 June 2020 (s 2(1) item 4)

--

Treasury Laws Amendment (Registries Modernisation and Other Measures) Act 2020

69, 2020

22 June 2020

Sch 1 (items 14-19): 4 Apr 2021 (s 2(1) item 2)
Sch 1 (items 1386-1413, 1465-1467): awaiting commencement (s 2(1) item 5)

Sch 1 (items 1465-1467) and Sch 1 (item  1468)

as amended by

 

 

 

 

Treasury Laws Amendment (2021 Measures No. 5) Act 2021

127, 2021

7 Dec 2021

Sch 3 (item 105): 22 June 2020 (s 2(1) item 8)

--

Treasury Laws Amendment (2022 Measures No. 1) Act 2022

35, 2022

9 Aug 2022

Sch 4 (items 7, 9): 21 June 2022 (s 2(1) item 5)
Sch 4 (item 15): 10 Aug 2022 (s 2(1) item 6)

Sch 4 (item 9)

Financial Sector Reform (Hayne Royal Commission Response) Act 2020

135, 2020

17 Dec 2020

Sch 1 (items 9-13) and Sch 4 (items 14, 15): 1 Jan 2021 (s 2(1) items 2, 6)
Sch 10 (items 12-15) and Sch 11 (items 12-17): 1 Oct 2021 (s 2(1) item 11)

--

Treasury Laws Amendment (2020 Measures No. 6) Act 2020

141, 2020

17 Dec 2020

Sch 4 (items 59, 60): 18 Dec 2020 (s 2(1) item 6)

--

Territories Legislation Amendment Act 2020

154, 2020

17 Dec 2020

Sch 2 (items 56-63): 2 Aug 2021 (s 2(1) item 4)
Sch 2 (item 86): 1 Sept 2021 (s 2(1) item 7)
Note: This amending title was affected by an editorial change (see C2021C00347)

--

National Consumer Credit Protection Amendment (Mandatory Credit Reporting and Other Measures) Act 2021

5, 2021

16 Feb 2021

Sch 1 (items 1-10): 17 Feb 2021 (s 2(1) item 2)
Sch 2 (items 15-21): 1 July 2022 (s 2(1) item 4)

--

Federal Circuit and Family Court of Australia (Consequential Amendments and Transitional Provisions) Act 2021

13, 2021

1 Mar 2021

Sch 2 (items 602-611): 1 Sept 2021 (s 2(1) item 5)

--

Treasury Laws Amendment (2021 Measures No. 4) Act 2021

72, 2021

30 June 2021

Sch 4 (item 2): 1 July 2021 (s 2(1) item 5)

--

Financial Sector Reform (Hayne Royal Commission Response--Better Advice) Act 2021

115, 2021

28 Oct 2021

Sch 1 (items 102-105): 1 Jan 2022 (s 2(1) item 2)

--

Treasury Laws Amendment (2021 Measures No. 5) Act 2021

127, 2021

7 Dec 2021

Sch 3 (items 28-31): 8 Dec 2021 (s 2(1) item 4)

--

Corporate Collective Investment Vehicle Framework and Other Measures Act 2022

8, 2022

22 Feb 2022

Sch 8 (items 19-21): 23 Feb 2022 (s 2(1) item 9)

--

Financial Sector Reform Act 2022

87, 2022

12 Dec 2022

Sch 4 (items 1-56, 63-77): 12 June 2023 (s 2(1) items 6, 9)
Sch 4 (items 57-59): 19 Dec 2022 (s 2(1) item 7)
Sch 4 (items 60-62): 13 Dec 2022 (s 2(1) item 8)

--

National Anti-Corruption Commission (Consequential and Transitional Provisions) Act 2022

89, 2022

12 Dec 2022

Sch 1 (item 123): 1 July 2023 (s 2(1) item 2)

--

Treasury Laws Amendment (Financial Services Compensation Scheme of Last Resort) Act 2023

46, 2023

3 July 2023

Sch 1 (items 19-22): 4 July 2023 (s 2(1) item 2)

--

Financial Accountability Regime (Consequential Amendments) Act 2023

68, 2023

14 Sept 2023

Sch 1 (items 69, 70): 15 Sept 2023 (s 2(1) item 2)

--

Treasury Laws Amendment (Modernising Business Communications and Other Measures) Act 2023

69, 2023

14 Sept 2023

Sch 1 (items 73-75), Sch 3 (items 35-38) and Sch 4 (items 85-92): 15 Sept 2023 (s 2(1) items 2, 4, 5)
Sch 1 (items 125-130): 1 Jan 2024 (s 2(1) item 3)

--

Treasury Laws Amendment (2023 Law Improvement Package No. 1) Act 2023

76, 2023

20 Sept 2023

Sch 2 (items 681-686) and Sch 3 (item 42): 20 Oct 2023 (s 2(1) items 2, 14)
Sch 5 (item 32): 21 Sept 2023 (s 2(1) item 19)

--

 

Endnote 4--Amendment history

 

Provision affected

How affected

Chapter 1

 

Part 1-2

 

Division 2

 

s 5.....................

am No 9, 2010; No 46, 2011; No 84, 2011; No 130, 2012; No 13, 2013; No 11, 2016; No 9, 2018; No 13, 2018; No 17, 2019; No 2, 2020; No 3, 2020; No 69, 2020; No 135, 2020; No 154, 2020; No 5, 2021; No 13, 2021; No 87, 2022; No 68, 2023; No 69, 2023; No 76, 2023

Division 3

 

s 6.....................

am No 84, 2011

Division 4

 

s 11....................

rep No 13, 2018

s 15A...................

ad No 2, 2020

s 15B...................

ad No 2, 2020

s 15C...................

ad No 2, 2020

s 16A...................

ad No 3, 2020

s 16B...................

ad No 69, 2020

Part 1-3

 

Division 2

 

s. 18....................

am. No. 9, 2010; No. 46, 2011

s. 19....................

am. No. 9, 2010

s. 20....................

am. No. 9, 2010

Chapter 2

 

Part 2-1

 

Division 1

 

s. 27....................

am. No. 130, 2012

Division 2

 

s 29....................

am No 17, 2019; No 8, 2020

Division 3

 

Division 3 heading..........

rs. No. 130, 2012

s 30....................

am No 17, 2019

s 31....................

am No 17, 2019

s 32....................

am No 17, 2019

s. 33....................

rep. No. 130, 2012

Part 2-2

 

Division 3

 

s 37....................

am No 3, 2020

s 37A...................

ad No 3, 2020

s 37B...................

ad No 3, 2020

 

am No 76, 2023

Division 4

 

s 45....................

am No 3, 2020

s 46A...................

ad No 3, 2020

Division 5

 

Subdivision A

 

Subdivision A heading........

ad No 135, 2020

s 47....................

am No 13, 2018; No 17, 2019; No 135, 2020; No 69, 2023

Subdivision B

 

Subdivision B heading........

ad No 135, 2020

s 49....................

am No 17, 2019; No 3, 2020

s 50....................

am No 17, 2019

s 50A...................

ad No 135, 2020

 

am No 8, 2022

s 50B...................

ad No 135, 2020

s 50C...................

ad No 135, 2020

s 50D...................

ad No 135, 2020

s 51....................

am No 17, 2019

Subdivision C

 

Subdivision C..............

ad No 135, 2020

s 51A...................

ad No 135, 2020

s 51B...................

ad No 135, 2020

s 51C...................

ad No 135, 2020

Subdivision D

 

Subdivision D heading........

ad No 135, 2020

s 52....................

am No 17, 2019

s 53....................

am No 17, 2019

s 53A...................

ad No 3, 2020

s 53B...................

ad No 3, 2020

s 53C...................

ad No 135, 2020

Division 6

 

Subdivision A

 

s 54....................

am No 45, 2017; No 3, 2020; No 46, 2023

s 55....................

am No 3, 2020

Part 2-3

 

Division 2

 

s 64....................

am No 13, 2018

s 65....................

am No 13, 2018

s 69....................

am No 17, 2019

s 70....................

am No 17, 2019

s 71....................

am No 17, 2019; No 69, 2020

s 72....................

am No 69, 2020

Division 3

 

s 73....................

am No 17, 2019; No 154, 2020

Part 2-4

 

Division 1

 

s 79....................

rs No 3, 2020

Division 2

 

s 80....................

am No 3, 2020; No 115, 2021; No 46, 2023; No 76, 2023

s 81....................

am No 3, 2020

s 82....................

am No 17, 2019

Division 3

 

s 86....................

am No 3, 2020

Part 2-5

 

Division 2

 

s 88....................

am No 17, 2019

s 92....................

am No 2, 2020

s 95....................

am No 17, 2019

Division 3

 

s 98....................

am No 17, 2019

s 99....................

am No 17, 2019

s 100...................

am No 17, 2019; No 64, 2020

Division 4

 

s 102...................

am No 17, 2019

s 104...................

am No 17, 2019

s 106...................

am No 3, 2020

Part 2-6

 

Division 2

 

s 109...................

am No 49, 2019

s 110...................

am No 8, 2020

Chapter 3

 

Part 3-1

 

Division 1

 

s 111...................

am No 130, 2012; No 2, 2020; No 87, 2022

Division 2

 

s 113...................

am No 13, 2018; No 17, 2019; No 2, 2020

Division 3

 

s 114...................

am No 17, 2019

Division 4

 

s 115...................

am No 17, 2019

s 117...................

am No 130, 2012; No 17, 2019; No 87, 2022

s 118...................

am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022

s 119...................

am No 9, 2018; No 17, 2019

s 120...................

am No 17, 2019

Division 5

 

Division 5 heading..........

am No 2, 2020

s 121...................

am No 17, 2019; No 2, 2020

s 122...................

am No 17, 2019

Division 6

 

s 123...................

am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022

s 124...................

am No 9, 2018; No 17, 2019

Division 7

 

Division 7................

ad No 130, 2012

s 124A..................

ad No 130, 2012

 

am No 17, 2019

s 124B..................

ad No 130, 2012

 

am No 17, 2019

 

rs No 87, 2022

s 124C..................

ad No 87, 2022

Part 3-2

 

Part 3-2 heading......

rs. No. 84, 2011

Division 1

 

s. 125...................

am. No. 130, 2012

Division 2

 

s 126...................

am No 13, 2018; No 17, 2019

s 127...................

am No 13, 2018; No 17, 2019

Division 3

 

Division 3 heading..........

rs No 130, 2012

s 128...................

am No 130, 2012; No 17, 2019

s 129...................

am No 130, 2012

s 130...................

am No 130, 2012; No 17, 2019; No 87, 2022

s 131...................

am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022

s 132...................

am No 17, 2019

Division 4

 

s 133...................

am No 130, 2012; No 9, 2018; No 17, 2019; No 87, 2022

Part 3-2A

 

Part 3-2A..........

ad. No. 84, 2011

Division 1

 

s. 133A..................

ad. No. 84, 2011

Division 2

 

s. 133AA.................

ad. No. 84, 2011

s. 133AB.................

ad. No. 84, 2011

s 133AC.................

ad No 84, 2011

 

am No 17, 2019

s 133AD.................

ad No 84, 2011

 

am No 17, 2019

s 133AE.................

ad No 84, 2011

 

am No 17, 2019

s. 133AF.................

ad. No. 84, 2011

Part 3-2B

 

Part 3-2B..........

ad. No. 84, 2011

Division 1

 

s 133B..................

ad No 84, 2011

 

am No 9, 2018

Division 2

 

s. 133BA.................

ad. No. 84, 2011

Division 3

 

s 133BB.................

ad No 84, 2011

s 133BC.................

ad No 84, 2011

 

am No 17, 2019

s 133BD.................

ad No 84, 2011

 

am No 17, 2019

Division 4

 

Division 4 heading..........

rs No 9, 2018

s 133BE.................

ad No 84, 2011

 

am No 9, 2018; No 17, 2019

s 133BF.................

ad No 84, 2011

 

rep No 9, 2018

 

ad No 9, 2018

 

am No 17, 2019

s 133BFA................

ad No 9, 2018

 

am No 17, 2019

s 133BFB................

ad No 9, 2018

 

am No 17, 2019

s 133BFC................

ad No 9, 2018

 

am No 17, 2019

s 133BG.................

ad No 84, 2011

 

rep No 9, 2018

Division 5

 

s 133BH.................

ad No 84, 2011

 

am No 17, 2019

s 133BI..................

ad No 84, 2011

s 133BJ..................

ad No 84, 2011

 

am No 17, 2019

Division 6

 

s 133BO.................

ad No 84, 2011

 

am No 17, 2019

s. 133BP.................

ad. No. 84, 2011

s. 133BQ.................

ad. No. 84, 2011

s. 133BR.................

ad. No. 84, 2011

Division 7

 

Division 7................

ad No 9, 2018

s 133BS.................

ad No 9, 2018

 

am No 17, 2019

Division 8

 

Division 8................

ad No 9, 2018

s 133BT.................

ad No 9, 2018

 

am No 17, 2019

s 133BU.................

ad No 9, 2018

 

am No 17, 2019

s 133BV.................

ad No 9, 2018

 

am No 17, 2019

s 133BW.................

ad No 9, 2018

 

am No 17, 2019

Part 3-2C

 

Part 3-2C..........

ad. No. 130, 2012

Division 1

 

s 133C..................

ad No 130, 2012

 

am No 87, 2022

Division 2

 

s 133CA.................

ad No 130, 2012

 

am No 17, 2019

s 133CB.................

ad No 130, 2012

 

am No 17, 2019

 

rs No 87, 2022

s 133CC.................

ad No 130, 2012

 

am No 17, 2019; No 87, 2022

s 133CD.................

ad No 87, 2022

s 133CE.................

ad No 87, 2022

s 133CF.................

ad No 87, 2022

Part 3-2CA

 

Part 3-2CA.........

ad No 5, 2021

Division 1

 

s 133CM.................

ad No 5, 2021

s 133CN.................

ad No 5, 2021

s 133CO.................

ad No 5, 2021

s 133CP.................

ad No 5, 2021

 

am No 5, 2021

s 133CQ.................

ad No 5, 2021

Division 2

 

Subdivision A

 

s 133CR.................

ad No 5, 2021

s 133CS.................

ad No 5, 2021

s 133CT.................

ad No 5, 2021

Subdivision B

 

s 133CU.................

ad No 5, 2021

 

am No 5, 2021

s 133CV.................

ad No 5, 2021

s 133CW.................

ad No 5, 2021

Subdivision C

 

s 133CX.................

ad No 5, 2021

s 133CY.................

ad No 5, 2021

s 133CZ.................

ad No 5, 2021

Division 3

 

s 133CZA................

ad No 5, 2021

s 133CZB................

ad No 5, 2021

Division 4

 

s 133CZC................

ad No 5, 2021

s 133CZD................

ad No 5, 2021

s 133CZE................

ad No 5, 2021

Division 5

 

s 133CZF................

ad No 5, 2021

s 133CZG................

ad No 5, 2021

s 133CZH................

ad No 5, 2021

s 133CZI.................

ad No 5, 2021

s 133CZJ.................

ad No 5, 2021

Division 6

 

s 133CZK................

ad No 5, 2021

s 133CZL................

ad No 5, 2021

s 133CZM................

ad No 5, 2021

s 133CZN................

ad No 5, 2021

Part 3-2D

 

Part 3-2D..........

ad No 130, 2012

s 133DA.................

ad No 130, 2012

s 133DB.................

ad No 130, 2012

 

am No 17, 2019

s 133DC.................

ad No 130, 2012

 

am No 17, 2019

s 133DD.................

ad No 130, 2012

 

am No 17, 2019

s 133DE.................

ad No 130, 2012

 

am No 17, 2019

Part 3-3

 

Division 1

 

s 134...................

am No 2, 2020; No 87, 2022

Division 2

 

s 136...................

am No 13, 2018; No 17, 2019; No 2, 2020

Division 3

 

s 137...................

am No 17, 2019

Division 4

 

s 138...................

am No 17, 2019

s 140...................

am No 17, 2019; No 87, 2022

s 141...................

am No 17, 2019

s 142...................

am No 17, 2019

s 143...................

am No 17, 2019

Division 5

 

Division 5 heading..........

am No 2, 2020

s 144...................

am No 17, 2019; No 2, 2020

s 145...................

am No 17, 2019

Division 6

 

s 146...................

am No 17, 2019

s 147...................

am No 130, 2012; No 17, 2019

Division 7

 

Division 7................

ad No 87, 2022

s 147A..................

ad No 87, 2022

s 147B..................

ad No 87, 2022

Part 3-4

 

Division 1

 

s 148...................

am No 130, 2012; No 87, 2022

Division 2

 

s 149...................

am No 13, 2018; No 17, 2019

s 150...................

am No 13, 2018; No 17, 2019

Division 3

 

Division 3 heading..........

rs No 130, 2012

s 151...................

rs No 130, 2012

 

am No 17, 2019; No 64, 2020

s. 152...................

am. No. 130, 2012

s 153...................

am No 130, 2012; No 17, 2019; No 87, 2022

s 154...................

am No 17, 2019

s 155...................

am No 17, 2019

Division 4

 

s 156...................

am No 17, 2019

Division 5

 

Division 5................

ad No 87, 2022

s 156A..................

ad No 87, 2022

s 156B..................

ad No 87, 2022

s 156C..................

ad No 87, 2022

Part 3-5

 

Division 2

 

s 158...................

am No 5, 2011; No 13, 2018; No 17, 2019; No 2, 2020

Part 3-5A

 

Part 3-5A..........

ad No 2, 2020

Division 1

 

Subdivision A

 

s 158K..................

ad No 2, 2020

Subdivision B

 

s 158KA.................

ad No 2, 2020

s 158KB.................

ad No 2, 2020

s 158KC.................

ad No 2, 2020

Division 2

 

Subdivision A

 

s 158L..................

ad No 2, 2020

s 158LA.................

ad No 2, 2020

s 158LB.................

ad No 2, 2020

Subdivision B

 

s 158LD.................

ad No 2, 2020

s 158LE.................

ad No 2, 2020

s 158LF..................

ad No 2, 2020

Division 4

 

Subdivision A

 

s 158N..................

ad No 2, 2020

s 158NA.................

ad No 2, 2020

Subdivision B

 

s 158NB.................

ad No 2, 2020

s 158NC.................

ad No 2, 2020

Subdivision C

 

s 158ND.................

ad No 2, 2020

s 158NE.................

ad No 2, 2020

s 158NF.................

ad No 2, 2020

Division 6

 

s 158T..................

ad No 2, 2020

Part 3-6

 

Division 2

 

s 160...................

am No 13, 2018; No 17, 2019; No 2, 2020

Part 3-6A

 

Part 3-6A..........

ad. No. 130, 2012

Division 1

 

s 160A..................

ad No 130, 2012

 

am No 9, 2018; No 87, 2022

Division 2

 

s 160B..................

ad No 130, 2012

 

am No 17, 2019; No 2, 2020

s 160C..................

ad No 130, 2012

 

am No 17, 2019; No 8, 2020

Division 2A

 

Division 2A...............

ad No 87, 2022

s 160CA.................

ad No 87, 2022

s 160CB.................

ad No 87, 2022

Division 3

 

s 160D..................

ad No 130, 2012

 

am No 17, 2019

Division 4

 

s 160E..................

ad No 130, 2012

 

am No 17, 2019

Division 5

 

Division 5................

ad No 9, 2018

s 160F...................

ad No 9, 2018

Division 6

 

Division 6................

ad No 87, 2022

s 160G..................

ad No 87, 2022

Part 3-7

 

Division 2

 

s 163...................

am No 49, 2019

Chapter 4

 

Part 4-1

 

Division 2

 

s 167...................

am No 17, 2019; No 141, 2020

s 167A..................

ad No 17, 2019

s 167B..................

ad No 17, 2019

s 167C..................

ad No 17, 2019

s 167D..................

ad No 17, 2019

Division 3

 

s 169...................

rs No 17, 2019

s 171...................

am No 17, 2019

s 172...................

am No 17, 2019

s 173...................

am No 17, 2019

s 174...................

am No 17, 2019

s 175...................

am No 17, 2019

s 175A..................

ad No 17, 2019

s 175B..................

ad No 17, 2019

s 175C..................

ad No 17, 2019

s 175D..................

ad No 17, 2019

s 175E..................

ad No 17, 2019

Part 4-2

 

Division 2

 

s. 179...................

am. No. 130, 2012

s. 180...................

am. No. 130, 2012

s. 180A..................

ad. No. 130, 2012

s 181...................

am No 130, 2012

 

rs No 17, 2019

s. 184...................

am. No. 130, 2012

Part 4-3

 

Division 1

 

s 185...................

am No 13, 2013; No 13, 2021

Division 2

 

Subdivision B

 

s 187...................

am No 13, 2013; No 154, 2020; No 13, 2021

s 189...................

am No 13, 2013; No 154, 2020 (amdt never applied (Sch 2 item 86)); No 13, 2021

Subdivision C

 

s 191...................

am No 13, 2013; No 13, 2021

s 194...................

am No 141, 2020

Subdivision D

 

s 199...................

am No 130, 2012; No 13, 2013; No 13, 2021

s. 200...................

am. No. 130, 2012

Division 3

 

Subdivision B

 

s 204...................

am No 154, 2020

s 207...................

am No 17, 2019

Chapter 5

 

Part 5-1

 

Part 5-1 heading......

rs No 69, 2020

Division 1

 

s 212...................

rs No 69, 2020

Division 1A

 

Division 1A...............

ad No 69, 2020

Subdivision A

 

s 212A..................

ad No 69, 2020

s 212B..................

ad No 69, 2020

s 212C..................

ad No 69, 2020

s 212D..................

ad No 69, 2020

s 212E..................

ad No 69, 2020

s 212F...................

ad No 69, 2020

s 212G..................

ad No 69, 2020

Subdivision B

 

s 212H..................

ad No 69, 2020

s 212J...................

ad No 69, 2020

s 212K..................

ad No 69, 2020

Subdivision C

 

s 212L..................

ad No 69, 2020

s 212M..................

ad No 69, 2020

s 212N..................

ad No 69, 2020

s 212P...................

ad No 69, 2020

s 212Q..................

ad No 69, 2020

s 212R..................

ad No 69, 2020

Subdivision D

 

s 212S...................

ad No 69, 2020

s 212T..................

ad No 69, 2020

s 212U..................

ad No 69, 2020

Division 2

 

Division 2 heading..........

am No 69, 2020

s 213...................

rs No 69, 2020

s 214...................

rep No 69, 2020

Part 5-2

 

Division 2

 

s 218...................

am No 17, 2019

Division 3

 

s 220...................

am No 17, 2019

Division 4

 

s 225...................

am No 17, 2019

 

rs No 3, 2020

Part 5-3

 

Division 2

 

s 227...................

am No 17, 2019; No 69, 2020

s 228...................

am No 17, 2019

s 229...................

am No 17, 2019

Part 5-4

 

Division 2

 

s 233...................

am No 69, 2020

s 236...................

am No 69, 2020

s 237...................

am No 69, 2020

Part 5-5

 

Division 1A

 

Division 1A...............

ad No 135, 2020

Subdivision A

 

s 238A..................

ad No 135, 2020

s 238B..................

ad No 135, 2020

s 238C..................

ad No 135, 2020

s 238D..................

ad No 135, 2020

s 238E..................

ad No 135, 2020

Subdivision B

 

s 238F...................

ad No 135, 2020

s 238G..................

ad No 135, 2020

Division 2

 

s 240...................

am No 17, 2019; No 69, 2020

s 241...................

rep No 135, 2020

s 243...................

am No 3, 2020

s 245...................

am No 13, 2018

Part 6-2

 

Division 2

 

s 256...................

am No 17, 2019

s 256A..................

ad No 69, 2023

s 259...................

am No 17, 2019

s 260...................

am No 17, 2019

Part 6-3

 

Division 1

 

s 262...................

am No 3, 2020

Division 2

 

s 263...................

am No 3, 2020; No 64, 2020

s 265...................

am No 5, 2021

s 266...................

am No 49, 2019; No 5, 2021

s 267...................

am No 5, 2021

s 269...................

rep No 3, 2020

s 270...................

rep No 3, 2020

s 271...................

am No 3, 2020

Part 6-3A

 

Part 6-3A..........

ad No 3, 2020

Division 1

 

s 272A..................

ad No 3, 2020

Division 2

 

Subdivision A

 

s 272B..................

ad No 3, 2020

s 272C..................

ad No 3, 2020

Subdivision B

 

s 272D..................

ad No 3, 2020

s 272E..................

ad No 3, 2020

s 272F...................

ad No 3, 2020

 

am No 89, 2022

s 272G..................

ad No 3, 2020

Part 6-5

 

Division 2

 

s 281...................

am No 69, 2020

s 282...................

am No 17, 2019

s 285A..................

ad No 69, 2023

Part 6-5A

 

Part 6-5A..........

ad No 17, 2019

Division 1

 

s 288A..................

ad No 17, 2019

Division 2

 

s 288B..................

ad No 17, 2019

s 288C..................

ad No 17, 2019

s 288D..................

ad No 17, 2019

s 288E..................

ad No 17, 2019

s 288F...................

ad No 17, 2019

s 288G..................

ad No 17, 2019

Part 6-5B

 

Part 6-5B..........

ad No 17, 2019

Division 1

 

s 288H..................

ad No 17, 2019

Division 2

 

s 288J...................

ad No 17, 2019

s 288K..................

ad No 17, 2019

 

am No 135, 2020

s 288L..................

ad No 17, 2019

 

am No 127, 2021

s 288M..................

ad No 17, 2019

 

am No 127, 2021

s 288N..................

ad No 17, 2019

s 288P...................

ad No 17, 2019

s 288Q..................

ad No 17, 2019

s 288R..................

ad No 17, 2019

s 288S...................

ad No 17, 2019

Part 6-6

 

Part 6-6 heading......

rs No 17, 2019

Division 2

 

s 290...................

am No 17, 2019

s 291...................

am No 17, 2019

s 292...................

am No 17, 2019

 

rep No 3, 2020

s 293...................

am No 17, 2019

s 294...................

am No 17, 2019

s 296...................

am No 17, 2019

Part 6-7

 

Division 2

 

s 301...................

am No 17, 2019

Part 6-7A

 

Part 6-7A..........

ad No 50, 2019

Division 1

 

s 301A..................

ad No 50, 2019

Division 2

 

s 301B..................

ad No 50, 2019

s 301C..................

ad No 50, 2019

s 301D..................

ad No 50, 2019

 

am No 72, 2021

s 301E..................

ad No 50, 2019

s 301F...................

ad No 50, 2019

s 301G..................

ad No 50, 2019

s 301H..................

ad No 50, 2019

s 301J...................

ad No 50, 2019

s 301K..................

ad No 50, 2019

s 301L..................

ad No 50, 2019

s 301M..................

ad No 50, 2019

s 301N..................

ad No 50, 2019

s 301P...................

ad No 50, 2019

 

am No 17, 2019

Part 6-8

 

Division 2

 

s 307...................

am No 5, 2021

Part 6-9

 

Division 2

 

s 319...................

am No 17, 2019

Chapter 7

 

Part 7-1

 

Division 1

 

s 323...................

am No 69, 2020; No 87, 2022

Division 1A

 

Division 1A...............

ad No 87, 2022

s 323A..................

ad No 87, 2022

s 323B..................

ad No 87, 2022

s 323C..................

ad No 87, 2022

s 323D..................

ad No 87, 2022

Division 3

 

Division 3 heading..........

rs No 69, 2020

s 327...................

am No 50, 2019; No 69, 2020 (Sch 1 items 1411, 1412); No 135, 2020; No 46, 2023

s 328...................

am No 69, 2020

Division 4

 

s 331...................

rep No 17, 2019

Division 5

 

s 335A..................

ad No 130, 2012

 

am No. 130, 2012

 

rep No 87, 2022

s 337...................

am No 50, 2019

Schedule 1

 

Part 1

 

s 13....................

am No 17, 2019

s 13A...................

ad No 130, 2012

Part 2

 

Division 1

 

s 16....................

am No 76, 2023

s. 17....................

am. No. 130, 2012

s. 18A...................

ad. No. 130, 2012

s. 18B...................

ad. No. 130, 2012

s 18C...................

ad No 130, 2012

 

am No 17, 2019

s. 19....................

am. No. 130, 2012

s. 22....................

am. No. 130, 2012

Division 2

 

s. 23....................

am. No. 84, 2011; No. 130, 2012

s. 23A...................

ad. No. 130, 2012

s 24....................

am No 130, 2012; No 17, 2019

s. 24A...................

ad. No. 130, 2012

s. 26....................

am. No. 130, 2012

Division 3

 

s. 27A...................

ad. No. 130, 2012

s 30B...................

ad No 84, 2011

 

am No 17, 2019

Division 4

 

s. 31....................

am. No. 130, 2012

s. 31A...................

ad. No. 130, 2012

s. 31B...................

ad. No. 130, 2012

s 31C...................

ad No 87, 2022

s. 32....................

rs. No. 130, 2012

Division 4A

 

Division 4A

ad. No. 130, 2012

s. 32A...................

ad. No. 130, 2012

s. 32AA.................

ad. No. 130, 2012

s. 32B...................

ad. No. 130, 2012

Division 5

 

s. 33....................

am. No. 84, 2011; No. 130, 2012

s. 34....................

am. No. 84, 2011; No. 130, 2012

s. 36....................

am. No. 130, 2012

s. 38....................

am. No. 130, 2012

Division 5A

 

Division 5A...............

ad. No. 130, 2012

s. 39A...................

ad. No. 130, 2012

s 39B...................

ad No 130, 2012

 

am No 17, 2019

s. 39C...................

ad. No. 130, 2012

Division 6

 

Division 6................

rs. No. 130, 2012

s. 40....................

rs. No. 130, 2012

Part 3

 

Division 1

 

s 50....................

am No 64, 2020

Part 4

 

Division 1

 

s 64....................

am No 69, 2023

s 66....................

am No 69, 2023

s 67....................

am No 5, 2021

s. 67A...................

ad. No. 130, 2012

Division 2

 

s. 71....................

am. No. 130, 2012

Division 3

 

s 72....................

am No 5, 2011

 

rs No 130, 2012

 

am No 13, 2018; No 17, 2019; No 87, 2022; No 69, 2023

s 73....................

am No 130, 2012; No 69, 2023

s. 74....................

am. No. 130, 2012

s. 76....................

am. No. 130, 2012

Part 5

 

Division 1

 

Division 1 heading..........

rs. No. 130, 2012

Subdivision A

 

Subdivision A heading........

ad. No. 130, 2012

s 82....................

am No 87, 2022

s. 83....................

am. No. 130, 2012

Subdivision B

 

Subdivision B..............

ad. No. 130, 2012

s. 86A...................

ad. No. 130, 2012

s. 86B...................

ad. No. 130, 2012

s. 86C...................

ad. No. 130, 2012

s. 86D...................

ad. No. 130, 2012

s. 86E...................

ad. No. 130, 2012

s. 86F...................

ad. No. 130, 2012

Subdivision C

 

Subdivision C heading........

ad. No. 130, 2012

s. 87....................

am. No. 130, 2012

Division 2

 

s 88....................

am No 130, 2012; No 197, 2012; No 13, 2018

s. 89....................

am. No. 130, 2012

s. 89A...................

ad. No. 130, 2012

s. 92....................

rep. No. 130, 2012

s. 93....................

am. No. 130, 2012

s. 93A...................

ad. No. 130, 2012

Division 3

 

s. 94....................

am. No. 5, 2011; No. 130, 2012; No 13, 2018

s. 95....................

am. No. 5, 2011; No. 130, 2012

Division 4

 

s. 98....................

am. No. 130, 2012

Part 6

 

Part 6 heading.............

am No 87, 2022

Division 1

 

s 111...................

am No 130, 2012; No 87, 2022

s 112...................

am No 87, 2022

s 113...................

am No 87, 2022

s 114...................

am No 130, 2012

s 114A..................

ad No 87, 2022

s 115...................

am No 62, 2014; No 87, 2022

s 116...................

am No 17, 2019

 

rs No 87, 2022

s 117...................

rs No 87, 2022

s 118...................

rs No 87, 2022

s 119...................

rs No 87, 2022

 

am No 69, 2023

s 120...................

am No 87, 2022

s 121...................

am No 87, 2022

Division 2

 

s 124...................

am No 130, 2012; No 87, 2022

Part 7

 

Division 1

 

s. 127...................

am. No. 130, 2012

Division 3

 

s 129...................

am No 130, 2012

s 130...................

am No 130, 2012

s 131...................

am No 130, 2012

s 132...................

am No 130, 2012

s 133...................

am No 130, 2012

Part 8

 

s 145...................

am No 135, 2020

Part 9

 

s 150...................

am No 64, 2020

s 154...................

am No 17, 2019

s 155...................

rs No 17, 2019

s 156...................

am No 17, 2019

Part 11

 

Division 1

 

s 171...................

am No 87, 2022

s 172...................

am No 17, 2019

Division 2

 

s. 173...................

am. No. 130, 2012

s. 173A..................

ad. No. 130, 2012

s 174...................

am No 17, 2019; No 87, 2022

s. 174A..................

ad. No. 130, 2012

Division 3 heading..........

rep. No. 130, 2012

Division 4

 

Division 4................

ad. No. 130, 2012

s. 175A..................

ad. No. 130, 2012

s 175AA.................

ad No 87, 2022

s 175AB.................

ad No 87, 2022

s 175AC.................

ad No 87, 2022

s 175B..................

ad No 130, 2012

Division 5

 

Division 5................

ad. No. 130, 2012

Subdivision A

 

s. 175C..................

ad. No. 130, 2012

s. 175D..................

ad. No. 130, 2012

s. 175E..................

ad. No. 130, 2012

s. 175F..................

ad. No. 130, 2012

s. 175G..................

ad. No. 130, 2012

Subdivision B

 

s 175H..................

ad No 130, 2012

 

am No 87, 2022

Division 6

 

Division 6................

ad. No. 130, 2012

s. 175J..................

ad. No. 130, 2012

s. 176...................

rep. No. 130, 2012

s. 177...................

rep. No. 130, 2012

Division 7

 

Division 7................

ad. No. 130, 2012

Subdivision A

 

s. 177A..................

ad. No. 130, 2012

Subdivision B

 

s 177B..................

ad No 130, 2012

 

am No 13, 2018; No 17, 2019; No 87, 2022; No 69, 2023

s 177C..................

ad No 130, 2012

 

am No 69, 2023

s. 177D..................

ad. No. 130, 2012

s. 177E..................

ad. No. 130, 2012

s. 177F..................

ad. No. 130, 2012

s. 177G..................

ad. No. 130, 2012

s. 177H..................

ad. No. 130, 2012

s. 177J..................

ad. No. 130, 2012

s. 177K..................

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Division 8

 

Division 8 heading..........

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Subdivision A

 

Subdivision A heading........

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Subdivision B

 

Subdivision B heading........

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s. 178A..................

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s 179...................

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s. 179A..................

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s. 179B..................

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s. 179C..................

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Subdivision C

 

Subdivision C..............

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s. 179D..................

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am No 197, 2012; No 13, 2018

s. 179E..................

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s. 179F..................

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s. 179G..................

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s 179GA.................

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Subdivision D

 

Subdivision D.............

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s. 179H..................

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am No 13, 2018

s. 179J..................

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s. 179K..................

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s. 179L..................

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Subdivision E

 

Subdivision E..............

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s. 179M..................

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s. 179N..................

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s. 179P..................

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s. 179Q..................

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Subdivision F

 

Subdivision F..............

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s. 179R..................

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Division 9

 

Division 9................

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Subdivision A

 

s. 179S..................

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Subdivision B

 

s. 179T..................

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Division 10

 

Division 10...............

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s 179U..................

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am No 17, 2019

s 179V..................

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am No 17, 2019

s 179VA.................

ad No 87, 2022

s 179VB.................

ad No 87, 2022

s 179VC.................

ad No 87, 2022

Division 11

 

Division 11...............

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s. 179W.................

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Part 12

 

Division 2

 

s. 185A..................

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Part 13

 

s 204...................

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Part 14

 

Division 2

 

s 206...................

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