Privacy Act 1988
View history note
Hide history noteA disclosure by a credit reporting body of credit reporting information about an individual is a permitted CRB disclosure in relation to the individual if:
(a) the disclosure is to an entity that is specified in an item of the table and that has an Australian link; and
(b) such conditions as are specified for the item are satisfied.
| Permitted CRB disclosures | ||
| Item | If the disclosure is to ... | the condition or conditions are ... |
| 1 | a credit provider | the provider requests the information for a consumer credit related purpose of the provider in relation to the individual. |
| 2 | a credit provider | (a) the provider requests the information for a commercial credit related purpose of the provider in relation to a person; and
(b) the individual expressly consents to the disclosure of the information to the provider for that purpose. |
| 3 | a credit provider | (a) the provider requests the information for a credit guarantee purpose of the provider in relation to the individual; and
(b) the individual expressly consents, in writing, to the disclosure of the information to the provider for that purpose. |
| 4 | a credit provider | the credit reporting body is satisfied that the provider, or another credit provider, believes on reasonable grounds that the individual has committed a serious credit infringement. |
| 5 | a credit provider | (a) the credit reporting body holds consumer credit liability information that relates to consumer credit provided by the provider to the individual; and
(b) the consumer credit has not been terminated, or has not otherwise ceased to be in force. |
| 6 | a credit provider under subsection 6J(1) | the provider requests the information for a securitisation related purpose of the provider in relation to the individual. |
| 7 | a mortgage insurer | the insurer requests the information for a mortgage insurance purpose of the insurer in relation to the individual. |
| 8 | a trade insurer | (a) the insurer requests the information for a trade insurance purpose of the insurer in relation to the individual; and
(b) the individual expressly consents, in writing, to the disclosure of the information to the insurer for that purpose. |
20F(2)
The consent of the individual under paragraph (b) of item 2 of the table in subsection (1) must be given in writing unless:
(a) the credit provider referred to in that item requests the information for the purpose of assessing an application for commercial credit made by a person to the provider; and
(b) the application has not been made in writing.
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