{"id":"consumer-credit-national-uniform-legislation-implementation-act-2010","name":"Consumer Credit (National Uniform Legislation) Implementation Act 2010","slug":"consumer-credit-national-uniform-legislation-implementation-act-2010","collection":"act","jurisdiction":"nt","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":29962,"registerId":"nt-consumer-credit-national-uniform-legislation-implementation-act-2010-current","compilationNumber":null,"startDate":"2026-04-01","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Consumer Credit (National Uniform Legislation) Implementation Act 2010","content":"NORTHERN TERRITORY OF AUSTRALIA\nCONSUMER CREDIT (NATIONAL UNIFORM LEGISLATION)\nIMPLEMENTATION ACT 2010\nAs in force at 1 April 2010\nTable of provisions\nPart 1 Preliminary matters\n1 Short title ......................................................................................... 1\n2 Commencement .............................................................................. 1\nPart 2 Amendment of Consumer Affairs and Fair\nTrading Act 1990\n3 Act amended ................................................................................... 1\n4 Repeal of sections 83 to 86 and Part 12 .......................................... 1\nPart 3 Repeal of Consumer Credit (Northern\nTerritory) Act 1995\n5 Repeal of Consumer Credit (Northern Territory) Act ....................... 1\nPart 4 Amendment of Instruments Act 1935\n6 Act amended ................................................................................... 2\n7 Amendment of section 3A (Application of Act)................................. 2\nPart 5 Amendment of Traffic Act 1987\n8 Act amended ................................................................................... 2\n9 Amendment of section 29AB (Definitions) ....................................... 2\n10 Amendment of section 29AO (Rights of credit provider) .................. 2\nPart 6 Transitional provisions for National Credit\nlegislation\n11 Definitions ........................................................................................ 3\n12 Court proceedings ........................................................................... 3\n13 Construction of references to former consumer credit\nlegislation......................................................................................... 3\n14 Provision of information and assistance to ASIC ............................. 4\n15 ASIC has certain functions and powers ........................................... 4\n16 Regulations...................................................................................... 4\nENDNOTES\n\n\n\nNORTHERN TERRITORY OF AUSTRALIA\n____________________\nAs in force at 1 April 2010\n____________________\nCONSUMER CREDIT (NATIONAL UNIFORM LEGISLATION)\nIMPLEMENTATION ACT 2010\nAn Act to provide for the implementation of national consumer credit\nlegislation\nPart 1 Preliminary matters\n1 Short title\nThis Act may be cited as the Consumer Credit (National Uniform\nLegislation) Implementation Act 2010.\n2 Commencement\nThis Act commences on the day the National Consumer Credit\nProtection Act 2009 (Cth) commences.\nPart 2 Amendment of Consumer Affairs and Fair\nTrading Act 1990\n3 Act amended\nThis Part amends the Consumer Affairs and Fair Trading Act 1990.\n4 Repeal of sections 83 to 86 and Part 12\nSections 83 to 86 and Part 12\nrepeal\nPart 3 Repeal of Consumer Credit (Northern Territory)\nAct 1995\n5 Repeal of Consumer Credit (Northern Territory) Act\nThe Consumer Credit (Northern Territory) Act 1995 (Act No. 38 of\n1995) is repealed.\n\nPart 5 Amendment of Traffic Act 1987\nConsumer Credit (National Uniform Legislation) Implementation Act 2010 2\nPart 4 Amendment of Instruments Act 1935\n6 Act amended\nThis Part amends the Instruments Act 1935.\n7 Amendment of section 3A (Application of Act)\n(1) Section 3A(2)\nomit\nConsumer Credit (Northern Territory) Code\nsubstitute\nConsumer Credit Code\n(2) After section 3A(2)\ninsert\n(3) In this section:\nConsumer Credit Code means Schedule 1 to the National\nConsumer Credit Protection Act 2009 (Cth).\nPart 5 Amendment of Traffic Act 1987\n8 Act amended\nThis Part amends the Traffic Act 1987.\n9 Amendment of section 29AB (Definitions)\nSection 29AB, definition Consumer Credit (Northern Territory)\nCode\nomit, substitute\nConsumer Credit Code means Schedule 1 to the National\nConsumer Credit Protection Act 2009 (Cth).\n10 Amendment of section 29AO (Rights of credit provider)\nSection 29AO\nomit\nConsumer Credit (Northern Territory) Code\n\nPart 6 Transitional provisions for National Credit legislation\nConsumer Credit (National Uniform Legislation) Implementation Act 2010 3\nsubstitute\nConsumer Credit Code\nPart 6 Transitional provisions for National Credit\nlegislation\n11 Definitions\nIn this Part:\nCommissioner means the Commissioner of Consumer Affairs\nappointed under section 6 of the Consumer Affairs and Fair Trading\nAct 1990.\nformer consumer credit legislation means the Consumer Credit\n(Northern Territory) Act as in force immediately before its repeal by\nthis Act.\nNational Credit legislation means:\n(a) the National Consumer Credit Protection Act 2009 (Cth); and\n(b) the National Consumer Credit Protection (Transitional and\nConsequential Provisions) Act 2009 (Cth).\nproceedings has the same meaning as in the National Consumer\nCredit Protection (Transitional and Consequential Provisions)\nAct 2009 (Cth).\n12 Court proceedings\nProceedings in a court that constitute old proceedings under\nitem 4(1) of Schedule 1 to the National Consumer Credit Protection\n(Transitional and Consequential Provisions) Act 2009 (Cth) cease\nto be proceedings under a law of the Territory immediately after the\ncommencement of that item.\n13 Construction of references to former consumer credit\nlegislation\nIn an Act (other than this Act) or other document:\n(a) a reference to the former consumer credit protection\nlegislation is taken to be a reference to the National Credit\nlegislation; and\n\nPart 6 Transitional provisions for National Credit legislation\nConsumer Credit (National Uniform Legislation) Implementation Act 2010 4\n(b) a reference to a provision of the former consumer credit\nprotection legislation is taken to be a reference to the\ncorresponding provision (if any) of the National Credit\nlegislation.\n14 Provision of information and assistance to ASIC\n(1) The Commissioner may, on his or her own initiative or at the\nrequest of ASIC:\n(a) provide ASIC with any document, or other information, in the\npossession or control of the Commissioner that is reasonably\nrequired by ASIC in connection with the performance of its\nfunctions or exercise of its powers under the National Credit\nlegislation; and\n(b) provide ASIC with any other assistance that is reasonably\nrequired by ASIC in connection with the performance of its\nfunctions or exercise of its powers under the National Credit\nlegislation.\n(2) Subsection (1) has effect despite any other Act or law.\n15 ASIC has certain functions and powers\n(1) The Minister, or a person authorised in writing by the Minister, may\nenter into an agreement or arrangement with ASIC for the\nperformance of functions or the exercise of powers by ASIC as an\nagent of the Territory, even if those functions or powers are or may\nbe conferred on another person or body under a law of the\nTerritory.\n(2) An agreement or arrangement of a kind mentioned in subsection (1)\nhas effect despite any provision of a law of the Territory in respect\nof a function or power that is the subject of the agreement or\narrangement.\n16 Regulations\n(1) The Administrator may make regulations containing provisions of a\nsavings or transitional nature consequent on:\n(a) the enactment of this Act; or\n(b) the transition from the application of the provisions of the\nformer consumer credit legislation to the application of\nprovisions of the National Credit legislation.\n(2) Without limiting subsection (1), a regulation made under this section\nmay continue the operation of a repealed provision.\n\nPart 6 Transitional provisions for National Credit legislation\nConsumer Credit (National Uniform Legislation) Implementation Act 2010 5\n(3) A regulation made under this section may have retrospective\noperation to a day not earlier than the commencement of this\nsection.\n(4) However, to the extent to which a provision has retrospective\noperation, the provision does not operate to the disadvantage of a\nperson (other than the Territory or a Territory authority) by:\n(a) decreasing the person's rights; or\n(b) imposing liabilities on the person.\n(5) This section, and a regulation made under this section, expire\n2 years after this section commences.\n\nENDNOTES\nConsumer Credit (National Uniform Legislation) Implementation Act 2010 6\nENDNOTES\n1 KEY\nKey to abbreviations\namd = amended od = order\napp = appendix om = omitted\nbl = by-law pt = Part\nch = Chapter r = regulation/rule\ncl = clause rem = remainder\ndiv = Division renum = renumbered\nexp = expires/expired rep = repealed\nf = forms s = section\nGaz = Gazette sch = Schedule\nhdg = heading sdiv = Subdivision\nins = inserted SL = Subordinate Legislation\nlt = long title sub = substituted\nnc = not commenced\n2 LIST OF LEGISLATION\nConsumer Credit (National Uniform Legislation) Implementation Act 2010 (Act No. 14,\n2010)\nAssent date 20 May 2010\nCommenced 1 April 2010 (s 2 and s 2 National Consumer Credit Protection\nAct 2009 (Cth Act No. 134, 2009))\n3 GENERAL AMENDMENTS\nGeneral amendments of a formal nature (which are not referred to in the table\nof amendments to this reprint) are made by the Interpretation Legislation\nAmendment Act 2018 (Act No. 22 of 2018) to: ss 3, 6, 8 and 11.","sortOrder":0}],"analysis":{"issue_detection":{"absurdities":[],"contradictions":[]},"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"flash_summary":{"complexity_score":4,"scope_assessment":{"changed":false,"description":"The Act’s scope is to implement the Commonwealth National Consumer Credit framework in the Territory, repeal the former Territory law and provide transition mechanisms. Endnotes record later formal amendments to certain sections (formal/interpretative changes to ss 3, 6, 8 and 11) but the fundamental scope—transfer to National Credit legislation and associated transitional powers—remains unchanged."},"complexity_factors":["Cross-jurisdictional integration: maps Territory references to Commonwealth National Credit legislation and Code, requiring coherent interpretation across laws (ss7, 9, 13).","Transitional arrangements: preserves, ceases or converts ongoing proceedings and allows retrospective savings/regulations within limits, adding procedural complexity (ss11–13, 16).","Delegation and agency agreements: permits Minister to authorise ASIC to perform Territory functions or powers, creating layered accountability and delegation issues (s15).","Information-sharing overrides: Commissioner may disclose documents to ASIC despite other laws, affecting privacy/compliance regimes (s14(1)–(2)).","Amendment ripple effects: repeals of Territory provisions require consequential edits to other Acts (ss4–5; endnotes noting later formal amendments).","Discretion in regulation-making: enables retrospective regulations (not disadvantaging private persons) and continuation of repealed provisions, increasing administrative discretion (s16(1)–(4))."],"plain_english_summary":"This Act replaces the Northern Territory’s local consumer credit law with the Commonwealth National Consumer Credit Protection framework, repealing the Territory’s Consumer Credit Act and updating local laws to refer to the Commonwealth Consumer Credit Code (s5, s7, s9). Credit providers and borrowers become subject to the national rules; the Territory’s Commissioner must share information with ASIC and the Minister may contract ASIC to exercise Territory credit functions as agent (s14–15). Transitional and savings regulations manage the switch (s11, s16)."},"kimi_summary":{"content_quality":"ok","complexity_score":3,"scope_assessment":{"changed":false,"description":"The legislation remains tightly focused on its original purpose: implementing the national consumer credit regime in the Northern Territory. It does not expand beyond the necessary mechanical amendments to repeal old law, update cross-references, and establish transitional arrangements. The scope is exactly what the title suggests — implementation only."},"complexity_factors":["Short statute (only 16 sections across 6 Parts)","Minimal defined terms (only 4 definitions in Part 6)","Simple mechanical amendments (repeals and substitutions of specific references)","No nested conditional logic or exceptions to exceptions","Straightforward transitional provisions with clear time limits (regulations expire after 2 years)","Heavy reliance on external legislation (federal National Consumer Credit Protection Act) but does not replicate its complexity"],"plain_english_summary":"This Act abolishes the Northern Territory’s standalone consumer credit law and related provisions, replacing Territory rules with the national Consumer Credit Code and moving ongoing cases into the federal system. It also enables information-sharing with—and delegation to—ASIC so the national regulator enforces credit rules in the NT.\n\nIt affects NT borrowers, credit providers, and the NT Government by shifting enforcement and regulatory control from Territory authorities to uniform federal law and ASIC oversight."}},"importantCases":[],"_links":{"self":"/api/acts/consumer-credit-national-uniform-legislation-implementation-act-2010","history":"/api/acts/consumer-credit-national-uniform-legislation-implementation-act-2010/history","analysis":"/api/acts/consumer-credit-national-uniform-legislation-implementation-act-2010/analysis","conflicts":"/api/acts/consumer-credit-national-uniform-legislation-implementation-act-2010/conflicts","importantCases":"/api/acts/consumer-credit-national-uniform-legislation-implementation-act-2010/important-cases","documents":"/api/acts/consumer-credit-national-uniform-legislation-implementation-act-2010/documents"}}