Annotated National Credit Code, 7th edition

An essential guide to consumer credit regulation in Australia

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ISBN/ISSN: 9780409357448
Release Date: December 15, 2023
AUD$ 350.00

Product description

Annotated National Credit Code 7th edition is an essential guide to consumer credit regulation in Australia. It is a user- friendly practical guide for businesses, regulators, external dispute resolution schemes, consultants, compliance officers, credit agencies, consumer advocates and legal practitioners.

This new edition provides a comprehensive update on issues involving unfair contract terms, product intervention orders, ePayments, small amount credit contracts, and consumer leases. It includes commentary on substantive amendments to the National Consumer Credit Protection Act 2009 and the National Consumer Credit Protection Regulations 2010.


• summarises Australia’s consumer credit protection regime, i.e., relevant Acts, Regulations, Regulatory Guides, and Information Sheets
• provides commentary on the new regulations pertaining to:
    o obtaining and considering information to verify financial situation of consumers
    o small amount credit contracts—income requirements
    o consumer leases for household goods — income requirements
    o constrained documents and constrained information
    o avoidance schemes
    o disclosure of information in consumer leases for household goods
    o base price of goods
• provides detailed overviews of the NCCP Act regime and the National Credit Code
• includes updated information on the ASIC licensing system, responsible lending requirements, responsibilities of credit providers, credit enforcement issues and penalty for breaches
• includes a summary of and commentary on the legislative response to the Banking Royal Commissions
• content is current to 1 July 2023

Related Titles

• Lockhart, The Law of Misleading or Deceptive Conduct, 6th edition
• Bolitho, Paterson and Howell, Duggan & Lanyon’s Consumer Credit Law, 2nd edition
• Tyree, Banking Law in Australia, 10th edition
• Steinwall, Annotated Competition and Consumer Legislation, 2023 edition


Featured Authors

Table of contents

  • Introduction

  • Overview of the NCCP Act Regime

  • Overview of the National Credit Code

  • Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry

  • ASIC Action — Advertising Activities

  • ASIC Action — Enforcement Activities

  • National Consumer Credit Protection Act 2009

  • National Credit Code

  • National Consumer Credit Protection Regulations 2010