Document ID: chunk:federal_register_of_legislation:F2024L01251:clause:2_19:p1
Version: federal_register_of_legislation:F2024L01251
Segment Type: clause
Provision Reference: sch 2 cl 19 (pt 1/6)
Character Range: 90472–93309

19  Access
 (1) This section is made for the purposes of sections 20R and 21T of the Act.
Note 1: Section 20R of the Act sets out a regime for access seekers and individuals to access credit reporting information relating to the individual. Individuals and access seekers may request access; credit reporting bodies must respond within 10 working days. Access must be free if a request of that nature has not been made in the previous 3 months.
Note 2: Section 21T of the Act sets out a similar regime for credit eligibility information held by credit providers. Providers must give access to this information without charge on request.

Evidence requirements for access to credit information
 (2) Where a person requests a credit reporting body or credit provider to provide them with access to credit reporting information or credit eligibility information, the body or provider must not provide access without first obtaining such evidence as is reasonable in the circumstances to satisfy itself of:
 (a) the identity of the person making the request; and
 (b) that person's entitlement to access the information.

Other requirements for services to access credit reporting information
 (3) When a credit reporting body provides a service through which an individual (whether personally or through another access seeker) may obtain their credit reporting information, the body must:
 (a) provide information about how the individual may obtain their credit reporting information from other credit reporting bodies; and
 (b) provide a means of requesting the credit reporting information other than through the body's website.
Note: A credit reporting body may also provide the service through their website.

Free access for individuals who have had an application for consumer credit declined
 (4) Where an individual requests a credit reporting body to provide access to the individual's credit reporting information, the body must not charge a fee for giving access to the information if the individual provides the body with evidence that, not more than 90 days previously, a credit provider refused a consumer credit application made by the individual.
 (5) Subsection (4) applies:
 (a) even where the request for access is made through another access seeker; and:
 (b) regardless of whether the credit reporting body has provided the individual with access to credit reporting information free of charge at any time in the previous 3 months.
Note: Subsections 20R(5) and (6) of the Act generally provide that a credit reporting body may charge an access seeker where a request for access has been made in the previous 3 months.

Requirements for free access services offered by credit reporting bodies
 (6) Where a credit reporting body provides credit reporting information to an access seeker free of charge as required by the