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National Consumer Credit Protection Act 2009

No. 134, 2009

Compilation No. 49

Compilation date: 11 December 2024

                Includes amendments: Act No. 138, 2024

This compilation is in 2 volumes

Volume 1: sections 1–322
Volume 2: sections 323–337
 Schedule 1
 Endnotes

Each volume has its own contents

About this compilation

This compilation

This is a compilation of the National Consumer Credit Protection Act 2009 that shows the text of the law as amended and in force on 11 December 2024 (the compilation date).

The notes at the end of this compilation (the endnotes) include information about amending laws and the amendment history of provisions of the compiled law.

Uncommenced amendments

The effect of uncommenced amendments is not shown in the text of the compiled law. Any uncommenced amendments affecting the law are accessible on the Register (www.legislation.gov.au). The details of amendments made up to, but not commenced at, the compilation date are underlined in the endnotes. For more information on any uncommenced amendments, see the Register for the compiled law.

Application, saving and transitional provisions for provisions and amendments

If the operation of a provision or amendment of the compiled law is affected by an application, saving or transitional provision that is not included in this compilation, details are included in the endnotes.

Editorial changes

For more information about any editorial changes made in this compilation, see the endnotes.

Modifications

If the compiled law is modified by another law, the compiled law operates as modified but the modification does not amend the text of the law. Accordingly, this compilation does not show the text of the compiled law as modified. For more information on any modifications, see the Register for the compiled law.

Self‑repealing provisions

If a provision of the compiled law has been repealed in accordance with a provision of the law, details are included in the endnotes.

Contents
Chapter 1—Introduction
Part 1‑1—Introduction
1 Short title
2 Commencement
3 The National Credit Code
Part 1‑2—Definitions
Division 1—Introduction
4 Guide to this Part
Division 2—The Dictionary
5 The Dictionary
Division 3—Definitions relating to the meaning of credit activity
6 Meaning of credit activity
7 Meaning of credit service
8 Meaning of credit assistance
9 Meaning of acts as an intermediary
10 Assignees of credit providers, lessors, mortgagees and beneficiaries of a guarantee
Division 4—Other definitions
12 When a business is carried on in this jurisdiction
13 Meaning of misleading
14 Meaning of person—generally includes a partnership
15 Meaning of person—generally includes multiple trustees
15A Meaning of associate
15B Meaning of mortgage broker
15C Meaning of mortgage intermediary
16 Qualified privilege
16A Meaning of control
16B Meaning of Registrar
Part 1‑3—Application of this Act and the Transitional Act
Division 1—Introduction
17 Guide