Understanding Australian Consumer Credit Law: A Practical Guide to the National Consumer Credit ReformsCCH Australia Limited, 2010 - 326 pages An essential reference guide for anyone involving in, or affected by, the significant reforms to the regulation of Australian consumer credit law. |
Contents
Overview | 1 |
Application | 21 |
Obtaining an Australian credit licence | 67 |
Holding an Australian credit licence | 83 |
Initiating a credit contract Responsible lending and disclosure | 133 |
Initiating a credit contract Making the unsuitability assessment | 163 |
The course of the credit contract | 203 |
Enforcement | 233 |
Appendices Appendix 1 | 295 |
Appendix 2 | 301 |
Appendix 3 | 304 |
Appendix 4 | 306 |
Appendix 5 | 308 |
| 311 | |
Case table | 317 |
Finding list | 319 |
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Common terms and phrases
amount apply arrangements ASIC RG assessment Australian authorised borrower breach brokers carried changes charges circumstances civil penalty client Code commission compliance comply conduct consider Consumer Credit Protection consumer lease Corporations Act court cover credit activities credit assistance credit contract Credit Guide credit provider credit reporting credit representative criminal dated debt debtor directors disclosure document enforcement engage ensure example exemption Explanatory Memorandum fees financial services give given guarantee hardship increase individuals interest investment issue legislation lender liability licence licensee limit loan matters maximum means meet mortgage National Consumer Credit NCCP Act NCCP Reg notice obligations offence particular party payment period practices proposed reasonable received records reference regime registered person regulated Regulatory relation relevant responsible lending risk Securities standard statement suggesting Transition trustee unsuitable