Document ID: chunk:federal_register_of_legislation:C2024C00826:schedule:1:p2
Version: federal_register_of_legislation:C2024C00826
Segment Type: schedule
Provision Reference: sch 1 (pt 2/7)
Character Range: 699613–702544

require or accept payment of a fee or charge in relation to a small amount credit contract etc.
31C Prohibition on unexpired monthly fees in relation to small amount credit contracts
32 Fees or charges in relation to third parties
Division 4A—Annual cost rate of certain credit contracts
32A Prohibitions relating to credit contracts if the annual cost rate exceeds 48%
32AA Prohibition relating to the annual cost rate of credit contracts—later increases of the annual percentage rate etc.
32B Calculation of annual cost rate
Division 5—Credit provider's obligation to account
33 Statements of account
34 Information to be contained in statements of account
35 Opening balance must not exceed closing balance of previous statement
36 Statement of amount owing and other matters
37 Court may order statement to be provided
38 Disputed accounts
39 Dating and adjustment of debits and credits in accounts
Division 5A—Additional rules relating to small amount credit contracts
39A Limit on the application of amount of credit provided under a small amount credit contract
39B Limit on amount that may be recovered if there is default under a small amount credit contract
39C Credit provider must do prescribed things if a default in payment by direct debit occurs
Division 6—Certain transactions not to be treated as new contracts
40 Changes etc. under contracts
Part 3—Related mortgages and guarantees
Division 1—Mortgages
41 Application of Division
42 Form of mortgage
43 Copy of mortgage for mortgagor
44 Mortgages over all property void
45 Restriction on mortgage of future property
46 Mortgages and continuing credit contracts
47 All accounts mortgages
48 Third party mortgages prohibited
49 Maximum amount which may be secured
50 Prohibited securities
51 Assignment or disposal of mortgaged property by mortgagor
52 Conditions on consent to assignment or disposal of property subject to mortgage
53 Offence for noncompliance
Division 2—Guarantees
54 Application of Division
55 Form of guarantee
56 Disclosure
57 Copies of documents for guarantor
58 Guarantor may withdraw before credit is provided
59 Extension of guarantee
60 Limitation of guarantor's liability
61 Increase in guarantor's liabilities
62 Offence for noncompliance
Part 4—Changes to obligations under credit contracts, mortgages and guarantees
Division 1—Unilateral changes by credit provider
63 Application of Division
64 Interest rate changes
65 Repayment changes
66 Credit fees and charges changes
67 Changes to credit limits etc. in continuing credit contracts
67A Changes to tenancy protection in credit contracts for reverse mortgages
68 Other unilateral changes by credit provider
69 Particulars of matters as changed only required to be given under this Division in certain cases
70 Prohibited increases in liabilities
Division 2—Changes by agreement of parties
71 Changes by agreement
Division 3—Changes on grounds of hardship and unjust transactions
72