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Australia
National Consumer Credit Protection Regulations 2010

National Consumer Credit Protection Regulations 2010

law://au/li/2010/f2010l00631@2026-11-13

Version in force onWhereAustralia

Connections

Amended by 1: National Consumer Credit Protection Amendment (Small Business Exemption) Regulations 2026

Defined terms · 114

Show every defined term

au/li/2010/f2010l00631

Key facts

Type: Legislative instrument · F2010L00631
Made: 10 Mar 2010
Text current to: 5 Sept 2026
Official: Federal Register of Legislation

History · 1 version

5 Sept 2026Reading

This text since 5 Sept 2026

Contents

Chapter 1 Preliminary
Chapter 2 Licensing of persons who engage in credit activities
Chapter 3 Responsible lending conduct
Chapter 4 Administration—registers relating to credit activities
Chapter 5 Compliance and enforcement
Chapter 6 Miscellaneous
Chapter 7 Matters in relation to the National Credit Code
Schedule 1 Forms
Schedule 2 Modifications—carried over instruments
Schedule 3 Modifications—special purpose funding entity
Schedule 4 Modifications—responsible lending conduct
Schedule 5 Key Facts Sheets for standard home loans
Schedule 5A Reverse mortgage information statement
Schedule 6 Key Facts Sheets for credit card contracts
Schedule 10 Employer authorisation—prescribed form of statement

Contents

Chapter 1 Preliminary
Chapter 2 Licensing of persons who engage in credit activities
Chapter 3 Responsible lending conduct
Chapter 4 Administration—registers relating to credit activities
Chapter 5 Compliance and enforcement
Chapter 6 Miscellaneous
Chapter 7 Matters in relation to the National Credit Code
Schedule 1 Forms
Schedule 2 Modifications—carried over instruments
Schedule 3 Modifications—special purpose funding entity
Schedule 4 Modifications—responsible lending conduct
Schedule 5 Key Facts Sheets for standard home loans
Schedule 5A Reverse mortgage information statement
Schedule 6 Key Facts Sheets for credit card contracts
Schedule 10 Employer authorisation—prescribed form of statement

In force

Contents

4,912 provisions, too many to show on one page. Open a part or section to read it with its history and connections, or search inside the text.

Chapter 1 · Preliminary
Chapter 2 · Licensing of persons who engage in credit activities
Chapter 3 · Responsible lending conduct
Chapter 4 · Administration—registers relating to credit activities
Chapter 5 · Compliance and enforcement
Chapter 6 · Miscellaneous
Chapter 7 · Matters in relation to the National Credit Code
Schedule 1 · Forms
Schedule 2 · Modifications—carried over instruments
Schedule 3 · Modifications—special purpose funding entity
Schedule 4 · Modifications—responsible lending conduct
Schedule 5 · Key Facts Sheets for standard home loans
Schedule 5A · Reverse mortgage information statement
1. Note: See regulation 28LE.
Schedule 6 · Key Facts Sheets for credit card contracts
1. Note: See regulation 28LBA.
2. Part 1 Model of Key Facts Sheets
3. Part 2 Information about preparing a Key Facts Sheet
Schedule 10 · Employer authorisation—prescribed form of statement
1. Note: See subregulation 28LCE(2).
2. [Form] Consent to make direct deductions from salary or wages
3. Subsection 160E(2) of the Act
4. [Regulation 28LCE of the Regulations]
5. TO:.........................................
6. (name of employer of debtor/lessee)
7. .........................................
8. .........................................
9. (address of employer of debtor/lessee)
10. FROM:.........................................
11. (name of credit provider/lessor)
12. .........................................
13. (Australian credit licence number)
14. .........................................
15. (address of credit provider/lessor)
16. Complete all of the following information (except as indicated) before signing the form
17. Date of first deduction:
18. Date of last deduction:
19. Amount of each deduction:
20. IMPORTANT YOU CAN CANCEL THIS DEDUCTION REQUEST DIRECTLY WITH YOUR EMPLOYER AT ANY TIME. IF YOU CANCEL THIS DEDUCTION REQUEST YOU WILL BE IN DEFAULT IF YOU DO N
21. ..................................................
22. (signature of debtor/lessee giving consent)
23. I confirm I have been provided with a copy of this form.
24. ..................................................
25. (signature of debtor/lessee giving consent)
26. ..................................................
27. Date of signing
28. The following information is optional
29. INFORMATION TO THE EMPLOYER These arrangements relate to a contract between your employee and a third party. You are not liable for any failure of your employee
30. ..................................................
31. (signature of employer)
32. ..................................................
33. Date of signing

Sourced from the Federal Register of Legislation at legislation.gov.au, © Commonwealth of Australia, licensed under CC BY 4.0. Compilations may have been reformatted.