Document ID: chunk:federal_register_of_legislation:C2025C00055:section:20e:p2
Version: federal_register_of_legislation:C2025C00055
Segment Type: section
Provision Reference: s 20E (pt 2/2)
Character Range: 177968–179536

relation to consumer credit provided by the provider to the individual; or
 (ii) collecting payments that are overdue in relation to commercial credit provided by the provider to a person; or
 (iii) assessing whether to accept the individual as a guarantor in relation to credit for which an application has been made to the provider by a person other than the individual; or
 (b) in the case of a mortgage insurer—assessing the risk of the individual defaulting on mortgage credit in relation to which the insurer has provided insurance to a credit provider.
Civil penalty: 2,000 penalty units.
 (5) If a credit reporting body discloses credit reporting information under this section, the body must make a written note of that disclosure.
Civil penalty: 500 penalty units.
Note: Other Acts may provide that the note must not be made (see for example the Australian Crime Commission Act 2002 and the National Anti‑Corruption Commission Act 2022).

No use or disclosure for the purposes of direct marketing
 (6) This section does not apply to the use or disclosure of credit reporting information for the purposes of direct marketing.
Note: Section 20G deals with the use or disclosure of credit reporting information for the purposes of direct marketing.

No disclosure of financial hardship information as part of credit score
 (7) Subsection (3) does not apply to the disclosure of CRB derived information which contains or takes the form of a credit score where the credit information from which the credit score is derived includes financial hardship information.