CREDIT ACT 1984

New South Wales Consolidated Acts

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CREDIT ACT 1984 - NOTES

- As at 6 July 2009 - Act 94 of 1984

Reprint history:

Reprint No 1   30 May 1988
Reprint No 2   23 September 1991
Reprint No 3   18 January 1994
Reprint No 4   8 February 1999

Historical notes

The following abbreviations are used in the Historical notes:

Am	amended	LW	legislation website	Sch	Schedule
Cl	clause	No	number	Schs	Schedules
Cll	clauses	p	page	Sec	section
Div	Division	pp	pages	Secs	sections
Divs	Divisions	Reg	Regulation	Subdiv	Subdivision
GG	Government Gazette	Regs	Regulations	Subdivs	Subdivisions
Ins	inserted	Rep	repealed	Subst	substituted

Variation of application of Act
The following orders have been published under sec 19 (1):

Credit Order No 1-Housing Loan Contracts: GG No 38 of 8.2.1985, p 633

Credit Order No 2-Pawnbrokers: GG No 38 of 8.2.1985, p 631

Credit Order No 3-Monthly Account Charges: GG No 38 of 8.2.1985, p 634

Credit Order No 4-Low Value Transactions: GG No 38 of 8.2.1985, p 634

Credit Order No 5-Existing Continuing Credit Contracts: GG No 38 of 8.2.1985, p 633

Credit Order No 6-Bank Continuing Credit Contracts: GG No 38 of 8.2.1985, p 632

Credit Order No 7-Substitution of Mortgaged Property: GG No 38 of 8.2.1985, p 632

Credit Order No 8-Taking Possession of Fixtures: GG No 38 of 8.2.1985, p 635

Credit Order No 9-Powers of Mortgagee: GG No 38 of 8.2.1985, p 635

Credit Order No 10-Mortgage Exemption: GG No 38 of 8.2.1985, p 635

Credit Order No 11-Variation of Insurance: GG No 38 of 8.2.1985, p 633

Credit Order No 12-Insurance Premium Financing: GG No 38 of 8.2.1985, p 634 (revoked GG No 88 of 11.8.1989, p 5287)

Credit Order No 13-Insurance Premiums on Trust: GG No 38 of 8.2.1985, p 632

Credit Order No 14-Petrol and Taxi Cards: GG No 38 of 8.2.1985, p 636 (revoked GG No 157 of 22.11.1985, p 6100)

Credit Order No 15-Term Loans: GG No 38 of 8.2.1985, p 632 (amended GG Nos 117 of 16.8.1985, p 4330, 24 of 7.2.1986, p 573, 131 of 15.8.1986, p 3948 and 47 of 13.3.1987, p 1326; revoked GG No 73 of 1.5.1987, p 2189)

Credit Order No 15-Term Loans: GG No 73 of 1.5.1987, p 2189

Credit Order No 15A-Store Credit Certificates: GG No 38 of 8.2.1985, p 635

Credit Order No 15B-GIO:IPMA: GG No 47 of 28.2.1985, p 928 (revoked GG No 117 of 16.8.1985, p 4329)

Credit Order No 15C-Exempt Credit Unions: GG No 73 of 26.4.1985, p 1836 (amended GG No 134 of 27.9.1985, p 5136)

Credit Order No 15D-Licensed Stock and Station Agents: GG No 71 of 19.4.1985, p 1717

Credit Order No 15E-Advance Bank Australia Limited: Visacard: GG No 88 of 31.5.1985, p 2444 (revoked GG No 172 of 31.10.1986, p 5317)

Credit Order No 15F-GIO:IPMA: GG No 117 of 15.8.1985, p 4329

Credit Order No 15G-Mildura Co-Operative Fruit Company Limited: GG No 147 of 1.11.1985, p 5705

Credit Order No 15H-CHASE AMP Bank Limited: Visa Card: GG No 138 of 4.10.1985, p 5240 (revoked GG No 2 of 3.1.1986, p 46)

Credit Order No 15I-Pacific Seven Pty Ltd: GG No 147 of 1.11.1985, p 5705

Credit Order No 15J-Futures and Options Contracts Clearing Houses: GG No 161 of 29.11.1985, p 6250

Credit Order No 15K-Advance Bank Australia Limited: Visacard: GG No 172 of 31.10.1986, p 5317

Credit Order No 15L-National Mutual Royal Savings Bank (NSW) Limited (American Express Lines of Credit): GG No 47 of 13.3.1987, p 1326

Credit Order No 15M-National Mutual Royal Savings Bank (NSW) Limited (Loan Contracts): GG No 47 of 13.3.1987, p 1326

Credit Order No 15N-IMB Credit Service: GG No 65 of 10.4.1987, p 1855

Credit Order No 16-American Express Extended Payment Plan: GG No 47 of 28.2.1985, p 928

Credit Order No 17-AGC Credit Line: GG No 47 of 28.2.1985, p 929

Credit Order No 18-Citicorp Ready Credit: GG No 100 of 5.7.1985, p 3378

Credit Order No 19-Salary Deductions: GG No 117 of 16.8.1985, p 4330

Credit Order No 20-Credit (Supply of Goods): GG No 134 of 27.9.1985, p 5136

Credit Order No 21-Australian Films: GG No 147 of 1.11.1985, p 5704

Credit Order No 22-Overseas Visitors Cash Advances: GG No 150 of 8.11.1985, p 5885

Credit Order No 23-Westpac Bankcard Contracts: GG No 147 of 1.11.1985, p 5705 (revoked GG No 78 of 9.5.1986, p 2037)

Credit Order No 24-Petrol and Taxi Cards: GG No 157 of 22.11.1985, p 6100 (and see GG No 176 of 20.12.1985, p 6643) (revoked GG No 88 of 11.8.1989, p 5289)

Credit Order No 25-Citibank and Citicorp Continuing Credit Contracts: GG No 161 of 29.11.1985, p 6250

Credit Order No 26-Recognized States: GG No 176 of 20.12.1985, p 6643 (amended GG No 52 of 28.4.1989, p 2559)

Credit Order No 27-HFC Financial Services Limited: GG No 2 of 3.1.1986, p 47

Credit Order No 28-Mercantile Credits Limited Continuing Credit Contracts: GG No 2 of 3.1.1986, p 46

Credit Order No 29-CHASE AMP Bank Limited Continuing Credit Contracts: GG No 2 of 3.1.1986, p 46

Credit Order No 30-Statement of Account Payable on Demand: GG No 36 of 28.2.1986, p 927

Credit Order No 31-National Mutual Royal Bank Limited: GG No 41 of 7.3.1986, p 1034

Credit Order No 32-Statement of Account: GG No 44 of 14.3.1986, p 1169

Credit Order No 33-NatWest Australia Bank Limited: GG No 66 of 24.4.1986, p 1818

Credit Order No 34-Westpac Continuing Credit Contracts: GG No 78 of 9.5.1986, p 2037

Credit Order No 35-Farming Property Transactions: GG No 103 of 4.7.1986, p 3127

Credit Order No 36-Business Finance: GG No 131 of 15.8.1986, p 3948

Credit Order No 37-Staff Loans: GG No 131 of 15.8.1986, p 3949

Credit Order No 38-Educational Services: GG No 136 of 29.8.1986, p 4212

Credit Order No 39-Standard Chartered Bank Australia Limited: Visa Card: GG No 177 of 14.11.1986, p 5548

Credit Order No 40-Mercantile Credits (Furniture One Card): GG No 175 of 7.11.1986, p 5455

Credit Order No 41-ANZ Sportsgirl Credit Card: GG No 175 of 7.11.1986, p 5455

Credit Order No 42-ANZ Continuing Credit Contracts: GG No 44 of 6.3.1987, p 1222

Credit Order No 43-Trustee Exemption: GG No 54 of 20.3.1987, p 1464

Credit Order No 44-National Mutual Royal Savings Banks (Visa Cards): GG No 47 of 13.3.1987, p 1326

Credit Order No 45-AGC Adjustable Credit: GG No 65 of 10.4.1987, p 1855

Credit Order No 46-Citibank Savings Limited Continuing Credit Contracts: GG No 2 of 8.1.1988, p 86

Credit Order No 47-NatWest Australia Bank Limited: Visa Card: GG No 184 of 27.11.1987, p 6608

Credit Order No 48-Angus & Coote Dunklings Diamond Card: GG No 12 of 22.1.1988, p 347

Credit Order No 49-ANZ Private Label Credit Cards (Connors Card and Others): GG No 52 of 28.4.1989, p 2559 (revoked GG No 88 of 11.8.1989, p 5285)

Credit Order No 49A-ANZ Private Label Credit Cards (Connors Card and Others): GG No 88 of 11.8.1989, p 5285

Credit Order No 50-Sydney Futures Exchange Ltd: GG No 85 of 13.5.1988, p 2665 (revoked GG No 88 of 11.8.1989, p 5291)

Credit Order No 50-Sydney Futures Exchange Ltd and Australian Financial Futures Market Pty Ltd: GG No 88 of 11.8.1989, p 5291

Credit Order No 51-Continuing Credit Contracts (Life Insurance Companies): GG No 87 of 4.8.1989, p 4980

Credit Order No 52-Purchase of Marketable Securities: GG No 105 of 27.10.1989, p 8909

Credit Order No 53-AGC Credit Contract: GG No 34 of 23.3.1989, p 1528 (revoked GG No 78 of 23.6.1989, p 3653)

Credit Order No 53A-AGC Credit Contract: GG No 78 of 23.6.1989, p 3653

Credit Order No 54-Insurance Premium Financing: GG No 88 of 11.8.1989, p 5287 (amended GG No 102 of 20.10.1989, p 8662)

Credit Order No 55-Petrol and Taxi Cards: GG No 88 of 11.8.1989, p 5289

Credit Order No 56-Prescribed Statement: GG No 52 of 28.4.1989, p 2560

Credit Order No 56A-Prescribed Statement: GG No 88 of 11.8.1989, p 5284

Credit Order No 56B-Prescribed Statement: GG No 102 of 20.10.1989, p 8661 (revoked GG No 48 of 22.3.1991, p 2265)

Credit Order No 56C-Prescribed Statement: GG No 48 of 22.3.1991, p 2265

Credit Order No 57-Waltons/AGC Continuing Credit Contracts: GG No 93 of 8.9.1989, p 6671

Credit Order No 58-Custom Credit Continuing Credit Contracts: GG No 109 of 10.11.1989, p 9502

Credit Order No 59-Australian Card Services Pty Ltd and Associated Companies Exemption: GG No 41 of 23.3.1990, p 2417

Credit Order No 60-AGC Mortgagemaster Credit Card: GG No 124 of 22.12.1989, p 11388

Credit Order No 61-Medical and Commercial Finance Corporation Limited: GG No 119 of 8.12.1989, p 10540

Credit Order No 62-Encyclopaedia Brittanica: GG No 54 of 27.4.1990, p 3395

Credit Order No 63-Citibank Visa Facility: GG No 54 of 27.4.1990, p 3395

Credit Order No 64-Australian Retail Financial Network (ARFN) and Grace Bros Financial Service (GBFS): GG No 44 of 30.3.1990, p 2588

Credit Order No 65-Household Financial Services Limited: GG No 88 of 13.7.1990, p 6519

Credit Order No 66-Rural and Industries Bank of Western Australia (Visa Cards): GG No 120 of 28.9.1990, p 8678

Credit Order No 67-Australia and New Zealand Banking Group Limited (Bankcards and Visa Cards): GG No 141 of 9.11.1990, p 9824

Credit Order No 68-Australia and New Zealand Banking Group Limited (Mastercards): GG No 16 of 18.1.1991, p 477

Credit Order No 69-American Express (Gold Reserve and Personal Reserve): GG No 33 of 22.2.1991, p 1537

Credit Order No 70-Citibank Mastercard Facility: GG No 134 of 27.9.1991, p 8352

Credit Order No 71-National Mutual Life Association of Australasia Limited: GG No 110 of 26.7.1991, p 6070

Credit Order No 72-Compulsory Third Party Insurance: GG No 114 of 9.8.1991, p 6479 (revoked GG No 153 of 1.11.1991, p 9230)

Credit Order No 72-Compulsory Third-Party Insurance: GG No 153 of 1.11.1991, p 9230

Credit Order No 73-Diners Finance Extra Cash Facility: GG No 7 of 17.1.1992, p 268

Credit Order No 73A-Diners Finance-Interstate Contracts: GG No 150 of 31.12.1992, p 9117

Credit Order No 74-Rental Purchase Agreements: GG No 15 of 31.1.1992, p 523

Credit Order No 75-R & I Bank of Western Australia Ltd (Bankcards): GG No 102 of 21.8.1992, p 5989

Credit Order No 76-St George Credit Card Products: GG No 75 of 26.6.1992, p 4300

Credit Order No 77-Commonwealth Bank (Visa Cards): GG No 116 of 18.9.1992, p 6863

Credit Order No 79-St. George Bank Limited (Loan Contracts): GG No 133 of 6.11.1992, p 8109

Credit Order No 80-AGC Personal Line of Credit: GG No 125 of 16.10.1992, p 7549

Credit Order No 81-R & I Bank of Western Australia Ltd (Mastercards): GG No 125 of 16.10.1992, p 7550

Credit Order No 82-Metway Bank Limited Visa Card Facility: GG No 128 of 23.10.1992, p 7790

Credit Order No 83-Citibank Limited Gold MasterCard and Gold Visa Card: GG No 65 of 25.6.1993, p 3122

Credit Order No 84-Transitional Exemption on Change in Annual Percentage Rate: GG No 78 of 9.7.1993, p 3782

Credit Order No 85-Continuing Credit Contracts-Fees and Charges: GG No 82 of 23.7.1993, p 4056

Credit Order No 86-Continuing Credit Contracts-Fees and Charges (Variation of Order): GG No 104 of 24.9.1993, p 5914

Credit Order No 87-Novated Motor Vehicle Leases: GG No 62 of 29.4.1994, p 1889

Credit Order No 88-Maximum Annual Percentage Rates: GG No 88 of 1.7.1994, p 3320

Credit Order No 89-South Australian Asset Management Corporation: GG No 88 of 1.7.1994, p 3322

Credit Order No 90-Telemarketing: GG No 86 of 14.7.1995, p 3683

Credit Order No 91-Commonwealth Bank Repayment Redraw Facility: GG No 61 of 17.5.1996, p 2309

Table of amending instruments

Credit Act 1984 No 94. Assented to 28.6.1984. Date of commencement of secs 3 (1) (2), 4, 5, 6, 8, 9, 12, 15, 16 and 19, Part 2 (secs 21 and 23 excepted), secs 48, 157-161, 169 and 172, 19.10.1984, sec 2 (2) and GG No 147 of 19.10.1984, p 5078; date of commencement of sec 153, 21.12.1984, sec 2 (2) and GG No 178 of 21.12.1984, p 6297; date of commencement of the remainder of the Act (sec 173 excepted), 28.2.1985, sec 2 (2) and GG No 178 of 21.12.1984, p 6297. This Act has been amended as follows:

1984	No 153	Statute Law (Miscellaneous Amendments) Act 1984. Assented to 10.12.1984.
1986	No 40	Credit (Regulated Mortgages) Amendment Act 1986. Assented to 6.5.1986. Date of commencement of sec 3, 1.8.1986, sec 2 (2) and GG No 126 of 1.8.1986, p 3690.
	No 220	Miscellaneous Acts (Leasehold Strata Schemes) Amendment Act 1986. Assented to 23.12.1986. Date of commencement of Sch 1, 1.3.1989, sec 2 (2) and GG No 21 of 10.2.1989, p 911.
1987	No 207	Credit (Consumer Claims Tribunals) Amendment Act 1987. Assented to 8.12.1987. Date of commencement of Sch 1, 1.3.1988, sec 2 and GG No 41 of 26.2.1988, p 1150.
	No 209	Statute Law (Miscellaneous Provisions) Act (No 2) 1987. Assented to 9.12.1987. Date of commencement, assent, sec 2 (1).
1988	No 131	Statute Law (Miscellaneous Provisions) Act (No 3) 1988. Assented to 30.12.1988. Date of commencement of Sch 29, except as provided by sec 2 (4), assent, sec 2 (1).
1989	No 56	Credit Legislation (Amendment) Act 1989. Assented to 19.5.1989. Date of commencement, 1.10.1989, sec 2 (1) and GG No 98 of 29.9.1989, p 7767. However, under sec 2 (2), amendments made by the Act are taken to have commenced on 14.6.1989-see GG No 98 of 29.9.1989, p 7767.
1990	No 97	Credit (Amendment) Act 1990. Assented to 12.12.1990. Date of commencement, assent, sec 2.
1991	No 94	Statute Law (Miscellaneous Provisions) Act (No 2) 1991. Assented to 17.12.1991. Date of commencement of the provision of Sch 1 relating to the Credit Act 1984, assent, Sch 1.
1992	No 27	Credit (Amendment) Act 1992. Assented to 18.5.1992. Date of commencement, 1.9.1993, sec 2 and GG No 94 of 27.8.1993, p 4860.
	No 111	Statute Law (Miscellaneous Provisions) Act (No 3) 1992. Assented to 8.12.1992. Date of commencement of the provisions of Sch 1 relating to the Credit Act 1984, assent, Sch 1.
1993	No 71	Credit (Amendment) Act 1993. Assented to 18.11.1993. Date of commencement, 1.7.1994, sec 2 and GG No 80 of 17.6.1994, p 2912.
1995	No 7	Consumer Credit (New South Wales) Act 1995. Assented to 8.6.1995. Date of commencement, 1.11.1996, sec 2 and GG No 99 of 30.8.1996, p 4980.
	No 69	Consumer Credit Administration Act 1995. Assented to 12.12.1995. Date of commencement, 1.11.1996, sec 2 and GG No 119 of 25.10.1996, p 7094.
1996	No 30	Statute Law (Miscellaneous Provisions) Act 1996. Assented to 21.6.1996. Date of commencement of Sch 2, assent, sec 2 (1).
	No 139	Strata Schemes Management (Miscellaneous Amendments) Act 1996. Assented to 16.12.1996. Date of commencement, 1.7.1997, sec 2 and GG No 68 of 27.6.1997, p 4770.
1997	No 115	Traffic Legislation Amendment Act 1997. Assented to 9.12.1997. Date of commencement, 29.6.1998, sec 2 and GG No 97 of 26.6.1998, p 4431.
1998	No 161	Fair Trading Tribunal Act 1998. Assented to 14.12.1998. Date of commencement of Sch 4.2, 1.3.1999, sec 2 and GG No 25 of 26.2.1999, p 972.
	No 162	Consumer Claims Act 1998. Assented to 14.12.1998. Date of commencement, 1.3.1999, sec 2 and GG No 25 of 26.2.1999, p 971.
1999	No 19	Road Transport Legislation Amendment Act 1999. Assented to 1.7.1999. Date of commencement of Sch 2, 1.12.1999, sec 2 (1) and GG No 133 of 26.11.1999, p 10863.
	No 31	Statute Law (Miscellaneous Provisions) Act 1999. Assented to 7.7.1999. Date of commencement of Sch 1.11, assent, sec 2 (2); date of commencement of Sch 4, assent, sec 2 (1).
	No 85	Statute Law (Miscellaneous Provisions) Act (No 2) 1999. Assented to 3.12.1999. Date of commencement of Sch 2.8, assent, sec 2 (2).
2001	No 34	Corporations (Consequential Amendments) Act 2001. Assented to 28.6.2001. Date of commencement of Sch 2.8, 15.7.2001, sec 2 (1) and Commonwealth Gazette No S 285 of 13.7.2001.
	No 56	Statute Law (Miscellaneous Provisions) Act 2001. Assented to 17.7.2001. Date of commencement of Sch 2.12, assent, sec 2 (2).
	No 82	Consumer, Trader and Tenancy Tribunal Act 2001. Assented to 21.11.2001. Date of commencement of Sch 7.5, 25.2.2002, sec 2 (1) and GG No 48 of 22.2.2002, p 901.
	No 121	Justices Legislation Repeal and Amendment Act 2001. Assented to 19.12.2001. Date of commencement of Sch 2, 7.7.2003, sec 2 and GG No 104 of 27.6.2003, p 5978.
2002	No 73	Miscellaneous Acts Amendment (Relationships) Act 2002. Assented to 1.10.2002. Date of commencement, 1.11.2002, sec 2 and GG No 201 of 1.11.2002, p 9302.
2005	No 11	Road Transport (General) Act 2005. Assented to 14.4.2005. Date of commencement of Sch 3.4, 30.9.2005, sec 2 (1) and GG No 120 of 30.9.2005, p 7674.
	No 28	Civil Procedure Act 2005. Assented to 1.6.2005. Date of commencement of Sch 5.10, 15.8.2005, sec 2 (1) and GG No 100 of 10.8.2005, p 4205.
	No 98	Statute Law (Miscellaneous Provisions) Act (No 2) 2005. Assented to 24.11.2005. Date of commencement of Sch 3, assent, sec 2 (2).
2007	No 94	Miscellaneous Acts (Local Court) Amendment Act 2007. Assented to 13.12.2007. Date of commencement of Schs 1.21 and 2, 6.7.2009, sec 2 and 2009 (314) LW 3.7.2009.

Table of amendments

Sec 3	Am 2001 No 56, Sch 2.12 [2].
Sec 5	Am 1986 No 220, Sch 1; 1987 No 207, Sch 1 (1); 1987 No 209, Sch 44; 1992 No 27, Sch 1 (1); 1995 No 69, Sch 1; 1996 No 30, Sch 2; 1996 No 139, Sch 2.10; 1997 No 115, Sch 4.2; 1998 No 161, Sch 4.2 [1]; 1998 No 162, Sch 2.1 [1]; 1999 No 19, Sch 2.5; 1999 No 31, Sch 4.19 [1]; 2001 No 34, Sch 2.8 [1]-[3]; 2001 No 56, Sch 2.12 [3]-[10]; 2001 No 82, Sch 7.5 [1]; 2002 No 73, Sch 1.4; 2005 No 11, Sch 3.4.
Sec 6	Am 1987 No 207, Sch 1 (2); 1998 No 162, Sch 2.1 [2]; 1999 No 31, Sch 4.19 [2]; 2001 No 121, Sch 2.69 [1]; 2005 No 28, Sch 5.10 [1]; 2007 No 94, Sch 1.21.
Sec 11	Am 2001 No 56, Sch 2.12 [2] [11].
Sec 13	Am 2001 No 56, Sch 2.12 [12] [13].
Sec 17	Am 2001 No 56, Sch 2.12 [14].
Sec 18	Am 1989 No 56, Sch 1; 1992 No 111, Sch 1.
Secs 19A, 19B	Ins 1995 No 7, Sch 1.
Sec 21	Am 2001 No 56, Sch 2.12 [2].
Sec 22	Am 2001 No 56, Sch 2.12 [13].
Sec 24	Am 2001 No 56, Sch 2.12 [2] [15]-[17].
Sec 25	Am 2001 No 56, Sch 2.12 [17].
Sec 29	Am 2001 No 56, Sch 2.12 [13] [18].
Sec 30	Am 1984 No 153, Sch 4 (1).
Sec 32	Am 2001 No 56, Sch 2.12 [19] [20].
Sec 42	Am 2001 No 56, Sch 2.12 [21].
Secs 45, 46	Am 2001 No 56, Sch 2.12 [22].
Sec 47	Am 2001 No 56, Sch 2.12 [21]; 2005 No 98, Sch 3.15 [1].
Sec 48	Am 2001 No 56, Sch 2.12 [15].
Sec 49	Am 2001 No 56, Sch 2.12 [23].
Secs 56, 57	Am 2001 No 56, Sch 2.12 [22].
Sec 59	Am 2001 No 56, Sch 2.12 [21] [23].
Sec 61	Am 1987 No 209, Sch 44.
Sec 62	Am 2001 No 56, Sch 2.12 [11] [21] [24].
Secs 63, 64, 68	Am 2001 No 56, Sch 2.12 [22].
Sec 69	Am 2001 No 56, Sch 2.12 [15].
Sec 70	Am 2001 No 56, Sch 2.12 [22] [25]; 2005 No 98, Sch 3.15 [1].
Sec 71	Am 2001 No 56, Sch 2.12 [22]; 2005 No 98, Sch 3.15 [1].
Sec 74	Am 2001 No 56, Sch 2.12 [15] [26] [27].
Sec 81	Am 1995 No 69, Sch 1; 1999 No 31, Sch 1.11 [1]; 2001 No 56, Sch 2.12 [15] [28].
Sec 85	Am 1990 No 97, Sch 1 (1); 1992 No 27, Sch 1 (2); 1995 No 69, Sch 1; 2001 No 56, Sch 2.12 [21].
Sec 85A	Ins 1990 No 97, Sch 1 (2). Am 1995 No 69, Sch 1.
Sec 86	Am 1990 No 97, Sch 1 (3); 1995 No 69, Sch 1; 1998 No 161, Sch 4.2 [2]; 2001 No 56, Sch 2.12 [22]; 2001 No 82, Sch 7.5 [2].
Sec 86A	Ins 1990 No 97, Sch 1 (4). Am 1995 No 69, Sch 1.
Sec 86B	Ins 1992 No 27, Sch 1 (3).
Sec 94	Am 2001 No 56, Sch 2.12 [29].
Sec 95	Am 1991 No 94, Sch 1; 2001 No 56, Sch 2.12 [15] [29].
Sec 96	Am 2001 No 56, Sch 2.12 [30].
Sec 98	Am 2001 No 56, Sch 2.12 [15] [31].
Sec 99	Am 2001 No 56, Sch 2.12 [31].
Sec 102	Am 2001 No 56, Sch 2.12 [2] [15]; 2005 No 98, Sch 3.15 [1].
Sec 104	Am 2001 No 56, Sch 2.12 [22] [32].
Sec 105	Am 2001 No 56, Sch 2.12 [15].
Sec 106	Am 2001 No 56, Sch 2.12 [33].
Sec 107	Am 2001 No 56, Sch 2.12 [2] [34].
Sec 110	Am 2001 No 56, Sch 2.12 [15].
Sec 112	Am 2001 No 56, Sch 2.12 [2] [33].
Sec 113	Am 2001 No 56, Sch 2.12 [15] [29].
Sec 114	Am 2001 No 56, Sch 2.12 [2] [28].
Sec 115	Am 2001 No 56, Sch 2.12 [28] [29] [31] [33].
Sec 116	Am 2001 No 56, Sch 2.12 [27] [35]-[37].
Sec 117	Am 2001 No 56, Sch 2.12 [2] [13] [20].
Sec 118	Am 2001 No 56, Sch 2.12 [15].
Sec 121	Am 1996 No 30, Sch 2; 2001 No 56, Sch 2.12 [20] [38] [39].
Sec 126	Am 2001 No 56, Sch 2.12 [40].
Sec 127	Am 2001 No 56, Sch 2.12 [41].
Sec 128	Am 2001 No 56, Sch 2.12 [15] [28] [42].
Sec 131	Am 2001 No 56, Sch 2.12 [43].
Sec 132	Am 2001 No 56, Sch 2.12 [2].
Sec 134	Am 1984 No 153, Sch 4 (2).
Sec 136	Am 2001 No 56, Sch 2.12 [25].
Sec 139	Am 2001 No 56, Sch 2.12 [2] [15] [27].
Sec 140	Am 2001 No 56, Sch 2.12 [2].
Sec 147	Am 1999 No 31, Sch 1.11 [2]; 2001 No 56, Sch 2.12 [15] [44].
Sec 150	Am 2001 No 56, Sch 2.12 [15] [45]-[48].
Sec 153	Am 2001 No 56, Sch 2.12 [40].
Sec 156	Am 2001 No 56, Sch 2.12 [20] [49] [50].
Sec 159A	Ins 1995 No 69, Sch 1. Am 2005 No 98, Sch 3.15 [2].
Sec 159B	Ins 1995 No 69, Sch 1. Am 1999 No 85, Sch 2.8; 2001 No 121, Sch 2.69 [2]; 2007 No 94, Sch 2.
Sec 160	Am 2001 No 56, Sch 2.12 [51].
Sec 164	Am 2001 No 56, Sch 2.12 [2] [15].
Sec 166A	Ins 1995 No 69, Sch 1. Am 1999 No 31, Sch 1.11 [3].
Sec 167	Am 1992 No 27, Sch 1 (4).
Sec 170	Subst 1993 No 71, sec 3. Am 2005 No 28, Sch 5.10 [2].
Sec 172	Rep 1988 No 131, Sch 29.
Sec 173	Rep 1986 No 40, sec 3. Ins 1990 No 97, Sch 1 (5).
Sch 2	Am 1990 No 97, Sch 1 (6); 2005 No 98, Sch 3.15 [1].
Sch 4	Am 1990 No 97, Sch 1 (7); 2005 No 98, Sch 3.15 [1].
Sch 7	Am 1990 No 97, Sch 1 (8).
Sch 8	Ins 1990 No 97, Sch 1 (9). Am 1992 No 27, Sch 1 (5); 1992 No 111, Sch 1.
The whole Act (except sec 5 (1))	Am 2001 No 56, Sch 2.12 [1] (“Commissioner” omitted wherever occurring, “Director-General” inserted instead).