National Consumer Credit Protection Act 2009
5(1)
Amended by:
Treasury Laws Amendment (2023 Law Improvement Package No. 1) Act 2023 (assent 20/9/2023)
3-Sch2-Cl681
| Commenced | Action | Note |
| 20/10/2023 | Amend | Amended definition 'AFCA scheme' |
3-Sch2-Cl682
| Commenced | Action | Note |
| 20/10/2023 | Amend | Amended definition 'Australian financial services licence' |
3-Sch2-Cl683
| Commenced | Action | Note |
| 20/10/2023 | Amend | Amended definition 'director' |
3-Sch3-Cl42
| Commenced | Action | Note |
| 20/10/2023 | Amend | Amended definition 'financial services licensee' |
Treasury Laws Amendment (Modernising Business Communications and Other Measures) Act 2023 (assent 14/9/2023)
3-Sch1-Cl73
| Commenced | Action | Note |
| 15/09/2023 | Amend | Inserted definition 'virtual enquiry technology' |
3-Sch4-Cl85
| Commenced | Action | Note |
| 15/09/2023 | Amend | Inserted 'financial services licensee' |
Financial Accountability Regime (Consequential Amendments) Act 2023 (assent 14/9/2023)
3-Sch1-Cl69
| Commenced | Action | Note |
| 15/09/2023 | Amend | Amended definition 'large ADI' |
Financial Sector Reform Act 2022 (assent 12/12/2022)
3-Sch4-Cl1
| Commenced | Action | Note |
| 12/06/2023 | Amend | Inserted definition 'repayment date' |
| 12/06/2023 | Amend | Inserted definition 'unsolicited communication to a consumer' |
3-Sch4-Cl20
| Commenced | Action | Note |
| 12/06/2023 | Amend | Inserted definition 'consumer lease for household goods' |
| 12/06/2023 | Amend | Inserted definition 'household goods' |
3-Sch4-Cl57
| Commenced | Action | Note |
| 19/12/2022 | Amend | Inserted definition 'proscribed referral' |
3-Sch4-Cl60
| Commenced | Action | Note |
| 13/12/2022 | Amend | Inserted definition 'avoidance purpose' |
| 13/12/2022 | Amend | Inserted definition 'constitutional corporation' |
| 13/12/2022 | Amend | Inserted definition 'constitutional trade and commerce' |
| 13/12/2022 | Amend | Inserted definition 'scheme' |
3-Sch4-Cl74
| Commenced | Action | Note |
| 12/06/2023 | Amend | Inserted definition 'constrained document' |
| 12/06/2023 | Amend | Inserted definition 'constrained information' |
| 12/06/2023 | Amend | Inserted definition 'hardship notice' |
Federal Circuit and Family Court of Australia (Consequential Amendments and Transitional Provisions) Act 2021 (assent 1/3/2021)
Explanatory Memorandum - REPS
Supplementary Explanatory Memorandum - SEN
Second Reading Speech - REPS
3-Sch2-Cl602
| Commenced | Action | Note |
| 1/09/2021 | Amend | Repealed definition 'Federal Circuit Court' |
3-Sch2-Cl603
| Commenced | Action | Note |
| 1/09/2021 | Amend | Amended definition 'lower court' |
3-Sch2-Cl604
| Commenced | Action | Note |
| 1/09/2021 | Amend | Amended definition 'relevant superior court' |
National Consumer Credit Protection Amendment (Mandatory Credit Reporting and Other Measures) Act 2021 (assent 16/2/2021)
Explanatory Memorandum - REPS
Supplementary Explanatory Memorandum - SEN
Second Reading Speech - REPS
3-Sch1-Cl1
| Commenced | Action | Note |
| 17/02/2021 | Amend | Inserted definition 'banking group' |
| 17/02/2021 | Amend | Inserted definition 'credit information' |
3-Sch1-Cl2
| Commenced | Action | Note |
| 17/02/2021 | Amend | Substituted definition 'credit provider' |
3-Sch1-Cl3
| Commenced | Action | Note |
| 17/02/2021 | Amend | Inserted definition 'Part 3-2CA body' |
| 17/02/2021 | Amend | Inserted definition 'credit reporting body' |
| 17/02/2021 | Amend | Inserted definition 'declaration of contravention' |
| 17/02/2021 | Amend | Inserted definition 'eligible credit account' |
| 17/02/2021 | Amend | Inserted definition 'eligible credit reporting body' |
| 17/02/2021 | Amend | Inserted definition 'eligible licensee' |
| 17/02/2021 | Amend | Inserted definition 'evidential burden' |
| 17/02/2021 | Amend | Inserted definition 'head company' |
| 17/02/2021 | Amend | Inserted definition 'large ADI' |
| 17/02/2021 | Amend | Inserted definition 'mandatory credit information' |
| 17/02/2021 | Amend | Inserted definition 'personal information' |
| 17/02/2021 | Amend | Inserted definition 'sensitive information' |
| 17/02/2021 | Amend | Inserted definition 'supply requirements' |
3-Sch2-Cl15
| Commenced | Action | Note |
| 1/07/2022 | Amend | Inserted definition 'financial hardship information' |
Territories Legislation Amendment Act 2020 (assent 17/12/2020)
Addendum to the Explanatory Memorandum - REPS
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch2-Cl56
| Commenced | Action | Note |
| 2/08/2021 | Amend | Repealed definition 'Australia' |
3-Sch2-Cl57
| Commenced | Action | Note |
| 2/08/2021 | Amend | Substituted definition 'Territory' |
Financial Sector Reform (Hayne Royal Commission Response) Act 2020 (assent 17/12/2020)
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch1-Cl9
| Commenced | Action | Note |
| 1/01/2021 | Amend | Inserted definition 'approved code of conduct' |
| 1/01/2021 | Amend | Inserted definition 'code of conduct' |
| 1/01/2021 | Amend | Inserted definition 'enforceable code provision' |
| 1/01/2021 | Amend | Inserted definition 'mandatory code of conduct' |
| 1/01/2021 | Amend | Inserted definition 'subscriber' |
3-Sch10-Cl12
| Commenced | Action | Note |
| 1/10/2021 | Amend | Inserted definition 'Reference Checking and Information Sharing Protocol' |
3-Sch11-Cl12
| Commenced | Action | Note |
| 1/10/2021 | Amend | Inserted definition 'core obligation' |
| 1/10/2021 | Amend | Inserted definition 'knowledge' |
| 1/10/2021 | Amend | Inserted definition 'recklessness' |
| 1/10/2021 | Amend | Inserted definition 'reportable situation' |
Treasury Laws Amendment (Registries Modernisation and Other Measures) Act 2020 (assent 22/6/2020)
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch1-Cl14
| Commenced | Action | Note |
| 4/04/2021 | Amend | Inserted definition 'Australian business law' |
| 4/04/2021 | Amend | Inserted definition 'Commonwealth body' |
| 4/04/2021 | Amend | Inserted definition 'Registrar' |
| 4/04/2021 | Amend | Inserted definition 'data standards' |
| 4/04/2021 | Amend | Inserted definition 'designated secrecy provision' |
| 4/04/2021 | Amend | Inserted definition 'disclosure framework' |
| 4/04/2021 | Amend | Inserted definition 'government entity' |
| 4/04/2021 | Amend | Inserted definition 'official employment' |
| 4/04/2021 | Amend | Inserted definition 'protected information' |
| 4/04/2021 | Amend | Inserted definition 'secrecy provision' |
| 4/04/2021 | Amend | Inserted definition 'taxation law' |
Financial Sector Reform (Hayne Royal Commission Response - Stronger Regulators (2019 Measures)) Act 2020 (assent 17/2/2020)
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch4-Cl23
| Commenced | Action | Note |
| 18/02/2020 | Amend | Substituted definition 'banning order' |
3-Sch4-Cl24
| Commenced | Action | Note |
| 18/02/2020 | Amend | Inserted definition 'control' |
Financial Sector Reform (Hayne Royal Commission Response - Protecting Consumers (2019 Measures)) Act 2020 (assent 17/2/2020)
Replacement Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch3-Cl1
| Commenced | Action | Note |
| 18/02/2020 | Amend | Inserted definition 'associate' |
3-Sch3-Cl3
| Commenced | Action | Note |
| 18/02/2020 | Amend | Inserted definition 'conflicted remuneration' |
| 18/02/2020 | Amend | Inserted definition 'mortgage broker' |
| 18/02/2020 | Amend | Inserted definition 'mortgage intermediary' |
3-Sch3-Cl7
| Commenced | Action | Note |
| 18/02/2020 | Amend | Inserted definition 'indirect remuneration' |
Treasury Laws Amendment (Strengthening Corporate and Financial Sector Penalties) Act 2019 (assent 12/3/2019)
Revised Explanatory Memorandum - SEN
Second Reading Speech - REPS
3-Sch3-Cl1
| Commenced | Action | Note |
| 13/03/2019 | Amend | Inserted definition 'annual turnover' |
| 13/03/2019 | Amend | Inserted definition 'benefit derived and detriment avoided' |
3-Sch3-Cl2
| Commenced | Action | Note |
| 13/03/2019 | Amend | Substituted definition 'contravention' |
3-Sch3-Cl3
| Commenced | Action | Note |
| 13/03/2019 | Amend | Inserted definition 'individual fine formula' |
| 13/03/2019 | Amend | Inserted definition 'infringement notice' |
| 13/03/2019 | Amend | Inserted definition 'payment period' |
| 13/03/2019 | Amend | Inserted definition 'pecuniary penalty order' |
| 13/03/2019 | Amend | Inserted definition 'relinquishment order' |
| 13/03/2019 | Amend | Inserted definition 'subject to an infringement notice' |
Treasury Laws Amendment (Putting Consumers First - Establishment of the Australian Financial Complaints Authority) Act 2018 (assent 5/3/2018)
Revised Explanatory Memorandum - REPS
Supplementary Explanatory Memorandum - SEN
Second Reading Speech - SEN
4-Sch1-Cl34
| Commenced | Action | Note |
| 6/03/2018 | Amend | Inserted definition 'AFCA scheme' |
4-Sch1-Cl63
| Commenced | Action | Note |
| 6/03/2018 | Amend | Repealed definition 'approved external dispute resolution scheme' |
Treasury Laws Amendment (Banking Measures No. 1) Act 2018 (assent 5/3/2018)
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch5-Cl15
| Commenced | Action | Note |
| 1/01/2019 | Amend | Inserted definition 'credit limit reduction entitlement' |
3-Sch5-Cl21
| Commenced | Action | Note |
| 1/01/2019 | Amend | Inserted definition 'credit card termination entitlement' |
Insolvency Law Reform Act 2016 (assent 29/02/2016)
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch2-Cl299
| Commenced | Action | Note |
| 1/03/2017 | Amend | Amended definition 'insolvent' |
Federal Circuit Court of Australia (Consequential Amendments) Act 2013 (assent 14/03/2013)
3-Sch1-Cl418
| Commenced | Action | Note |
| 12/04/2013 | Amend | Inserted definition 'Federal Circuit Court' |
3-Sch2-Cl1
| Commenced | Action | Note |
| 12/04/2013 | Amend | Amended definition 'lower court' |
| 12/04/2013 | Amend | Amended definition 'relevant superior court' |
Consumer Credit Legislation Amendment (Enhancements) Act 2012 (assent 17/09/2012)
Revised Explanatory Memorandum - SEN
Second Reading Speech - REPS
3-Sch2-Cl1
| Commenced | Action | Note |
| 18/09/2012 | Amend | Inserted definition 'reverse mortgage' |
3-Sch2-Cl4
| Commenced | Action | Note |
| 18/09/2012 | Amend | Inserted definition 'reverse mortgage information statement' |
3-Sch3-Cl1
| Commenced | Action | Note |
| 1/03/2013 | Amend | Inserted definition 'short-term credit contract' |
3-Sch3-Cl2
| Commenced | Action | Note |
| 1/03/2013 | Amend | Inserted definition 'small amount credit contract' |
3-Sch5-Cl1
| Commenced | Action | Note |
| 1/03/2013 | Amend | Amended definition 'lessor' |
3-Sch5-Cl2
| Commenced | Action | Note |
| 1/03/2013 | Amend | "Repealed definition 'value of a credit contractmortgage |
3-Sch5-Cl3
| Commenced | Action | Note |
| 1/03/2013 | Amend | Inserted definition 'value' |
National Consumer Credit Protection Amendment (Home Loans and Credit Cards) Act 2011 (assent 25/11/2011)
Revised Explanatory Memorandum - SEN
Second Reading Speech - REPS
3-Sch1-Cl1
| Commenced | Action | Note |
| 1/01/2012 | Amend | Inserted definition 'Key Facts Sheet' |
3-Sch1-Cl10
| Commenced | Action | Note |
| 1/07/2012 | Amend | Inserted definition 'credit card contract' |
3-Sch1-Cl12
| Commenced | Action | Note |
| 1/07/2012 | Amend | Inserted definition 'credit limit increase invitation' |
3-Sch1-Cl14
| Commenced | Action | Note |
| 1/07/2012 | Amend | Substituted definition 'Key Facts Sheet' |
3-Sch1-Cl15
| Commenced | Action | Note |
| 1/07/2012 | Amend | Inserted definition 'linked' |
3-Sch1-Cl17
| Commenced | Action | Note |
| 1/07/2012 | Amend | Inserted definition 'use' |
3-Sch1-Cl2
| Commenced | Action | Note |
| 1/01/2012 | Amend | Inserted definition 'residential property' |
3-Sch1-Cl3
| Commenced | Action | Note |
| 1/01/2012 | Amend | Inserted definition 'standard home loan' |
3-Sch1-Cl6
| Commenced | Action | Note |
| 1/07/2012 | Amend | Inserted definition 'annual percentage rate' |
3-Sch1-Cl8
| Commenced | Action | Note |
| 1/07/2012 | Amend | Inserted definition 'continuing credit contract' |
3-Sch1-Cl9
| Commenced | Action | Note |
| 1/07/2012 | Amend | Inserted definition 'credit card' |
Acts Interpretation Amendment Act 2011 (assent 27/06/2011)
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch2-Cl781
| Commenced | Action | Note |
| 27/12/2011 | Amend | Amended definition 'Australia' |
3-Sch2-Cl782
| Commenced | Action | Note |
| 27/12/2011 | Amend | Amended definition 'insolvent' |
National Consumer Credit Protection Amendment Act 2010 (assent 3/03/2010)
Explanatory Memorandum - REPS
Second Reading Speech - REPS
3-Sch1-Cl1
| Commenced | Action | Note |
| 3/03/2010 | Amend | Repealed definition 'initial National Credit Act' |
3-Sch1-Cl2
| Commenced | Action | Note |
| 3/03/2010 | Amend | Repealed definition 'initial Transitional Act' |