Document ID: chunk:federal_register_of_legislation:C2025C00182:front:0:p2
Version: federal_register_of_legislation:C2025C00182
Segment Type: other
Provision Reference: 
Character Range: 2777–5993

powers
12 Directions by Minister
12A Other functions and powers
12AA Cooperation with APRA
Division 2—Unconscionable conduct and consumer protection in relation to financial services
Subdivision A—Application
12AC Division extends to some conduct outside Australia
12AD Application of Division to Commonwealth and Commonwealth authorities
12AE Saving of other laws and remedies
Subdivision B—Interpretation
12BA Interpretation
12BAA Definition of financial product
12BAB Meaning of financial service
12BB Misleading representations with respect to future matters
12BC Consumers
12BD Acquisition, supply and re‑supply
12BE Application of Division in relation to leases and licences of land and buildings
12BEA Asserting a right to payment
Subdivision BA—Unfair contract terms
12BF Unfair terms of consumer contracts and small business contracts
12BG Meaning of unfair
12BH Examples of unfair terms
12BI Terms that define main subject matter of consumer contracts or small business contracts etc. are unaffected
12BK Standard form contracts
12BL Contracts to which this Subdivision does not apply
12BLA Replacement life insurance contracts to which this Subdivision does not apply
12BLB Renewed life insurance contracts to which this Subdivision does not apply
12BLC This Subdivision does not apply to certain contracts connected with financial markets
12BM Contraventions of this Subdivision etc.
Subdivision C—Unconscionable conduct
12CA Unconscionable conduct within the meaning of the unwritten law of the States and Territories
12CB Unconscionable conduct in connection with financial services
12CC Matters the court may have regard to for the purposes of section 12CB
Subdivision D—Consumer protection
12DA Misleading or deceptive conduct
12DB False or misleading representations
12DC False or misleading representations in relation to financial products that involve interests in land
12DD Cash price to be stated in certain circumstances
12DE Offering rebates, gifts, prizes etc.
12DF Certain misleading conduct in relation to financial services
12DG Bait advertising
12DH Referral selling
12DI Accepting payment without intending or being able to supply as ordered
12DJ Harassment and coercion
12DK Pyramid selling of financial products
12DL Unsolicited credit cards and debit cards
12DM Assertion of right to payment for unsolicited financial services etc.
12DMA Liability of recipient for unsolicited financial services etc.
12DMB Assertion of right to payment for unauthorised advertisements
12DMC Caps on commissions for add‑on risk products supplied in connection with motor vehicles
12DN Application of provisions of this Division to information providers
Subdivision DA—Deferred sales for add‑on insurance products
12DO Meaning of add‑on insurance product
12DP Meaning of add‑on insurance deferral period and add‑on insurance pre‑deferral period
12DQ Prohibition on selling add‑on insurance products before end of add‑on insurance deferral period etc.
12DR Prohibition on offering add‑on insurance product during add‑on insurance deferral period
12DS Prohibition on offering add‑on insurance product—customer opt‑out
12DT Right of return and refund for add‑on insurance product sold in contravention of