Document ID: chunk:federal_register_of_legislation:C2024C00826:clause:1_185
Version: federal_register_of_legislation:C2024C00826
Segment Type: clause
Provision Reference: sch 1 cl 185
Character Range: 1045303–1046574

185  Copies of contracts and other documents
 (1) A credit provider must in accordance with this section, at the written request of a debtor, mortgagor or guarantor, provide to the debtor, mortgagor or guarantor a copy of:
 (a) the credit contract, mortgage or guarantee; or
 (b) any credit‑related insurance contract in the credit provider's possession; or
 (c) a notice previously given to the debtor, mortgagor or guarantor under this Code.
Criminal penalty: 30 penalty units.
 (2) The copy must be provided:
 (a) within 14 days, if the original came into existence one year or less before the request is given; or
 (b) within 30 days, if the original came into existence more than one year before the request is given.
Note: Section 196 provides for the date on which notice is taken to be given.
 (3) A credit provider must provide a copy of a notice which requires a debtor, mortgagor or guarantor to take action if requested in accordance with subsection (1) even though the contract has been discharged or terminated but only if the request is made within 2 years of the discharge or termination.
Criminal penalty: 30 penalty units.
 (4) Subsections (1) and (3) are offences of strict liability.
Note: For strict liability, see section 6.1 of the Criminal Code.