Document ID: chunk:federal_register_of_legislation:F2024C00882:front:0:p5
Version: federal_register_of_legislation:F2024C00882
Segment Type: other
Provision Reference: 
Character Range: 12333–15668

National Consumer Credit Protection Amendment (Financial Sector Reform) Regulations 2023
Chapter 7—Matters in relation to the National Credit Code
Part 7‑1—Exemptions, declarations and other matters
50 Continued application of Part 12 of the Code and interpretation provisions
50A Exemption for short term credit
51 Exempt credit—maximum account charges
52 Additional exempt credit
53 GIO Finance Limited's No Interest Loan Scheme—exemption from Code
54 Rental Purchase Plan—exemption from certain provisions of Code
55 Partnership loans—exemption from certain provisions of Code
56 Student loans—exemption from certain provisions of Code
57 Loans for conservation of heritage items—exemption from Code
58 ADIs—exemption from Code
59 Estate administrators—exemption from certain provisions of Code
60 Credit under Aged Care Act 1997—exemption from certain provisions of Code
61 Firefighter's Benefit Fund of WA Incorporated—exemption from certain provisions of Code
62 Charge card contracts—exemption of certain contracts from Code
63 Credit providers providing credit to directors—exemption from certain provisions of Code
64 Mortgages—exemptions from Code
65 Guarantees—exemption from Code
65A Indigenous Business Australia—exemption from certain provisions of Code
65C Residential investment property loans—exemption from Code
66 Deemed mortgages for goods lease with option to purchase
67 Prescribed person in relation to a declaration
68 Declaration of purposes for which credit provided
69 Direct debit default notices—exemption for credit providers
69C Exemption—requirement to disclose information about the AFCA scheme
69D Exemption—requirement to give notice of direct debit default
Part 7‑2—Credit contracts
70 Statement about debtor's statutory rights and obligations
71 Comparison rate
72 Pre‑contractual statement
72A Precontractual disclosure—requirements for giving documents other than personally
72B Precontractual disclosure—requirements for giving documents by means involving electronic communication
72C Precontractual disclosure—making documents available for retrieval on an electronic document retrieval system
73 Additional disclosures about insurance financed by contract
74 Additional disclosures about credit contracts to be signed by debtor
74A Reverse mortgages—disclosure about credit contract not including tenancy protection provision
75 Deduction of amount for interest charges
76 Calculation of unpaid daily balances
77 Early debit or payment of interest charges
78 Interest charges in relation to residential investment property
79 When statement of account not required
Part 7‑2A—Prohibited credit fees and charges
79A Termination fees for certain credit contracts
79AE Small amount credit contracts (fees and charges)—prescribed persons
79AB Credit provider or prescribed person must not require or accept payment of fee or charge in relation to small amount credit contract etc
79AC Prohibition relating to annual cost rate of credit contracts—later increases of annual percentage rate etc
79B Minimum Repayment Warning
Part 7‑2B—Additional rules in relation to small amount credit contracts
79C Default in payment by direct debit under small amount credit contract
Part 7‑3—Related mortgages and guarantees
80 Mortgage arising from certain home ownership schemes—exemption from subsection 50(1)