{"id":"cost-of-living-concessions-regulations-2020","name":"Cost of Living Concessions Regulations 2020","slug":"cost-of-living-concessions-regulations-2020","collection":"regulation","jurisdiction":"sa","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":235328,"registerId":"sa-cost-of-living-concessions-regulations-2020-current","compilationNumber":null,"startDate":"2026-04-06","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Cost of Living Concessions Regulations 2020","content":"South Australia\nCost of Living Concessions Regulations 2020\nunder the Cost of Living Concessions Act 1986\n\nContents\n1\tShort title\n3\tInterpretation\n4\tPrescribed classes of person (section 2(2) and (3))\n5\tRemission of water rates\n6\tEligible person (section 3(1))\n7\tConcession eligibility requirements (section 3(2)(b))\n8\tConcession payment amount (section 3(2))\nLegislative history\n\n1—Short title\nThese regulations may be cited as the Cost of Living Concessions Regulations 2020.\n3—Interpretation\n\t(1)\tIn these regulations—\nAct means the Cost of Living Concessions Act 1986;\nconcessions website means the part of www.sa.gov.au that relates to concessions;\nCPI means the Consumer Price Index (All groups index for Adelaide) published by the Australian Bureau of Statistics;\ndomestic partner means a person who is a domestic partner within the meaning of the Family Relationships Act 1975, whether declared as such under that Act or not;\nlow income earner, for a financial year, means a person who, during that financial year, earned income that was less than the amount determined by the Minister for that class of person in relation to that financial year by notice published on the concessions website (and if, during the course of the financial year, the Minister, by subsequent notice published on the concessions website, revises any amount so determined, then the amount as so revised will be taken to be the amount determined for the purposes of this definition);\nprescribed capacity—see subregulation (2);\nprescribed card means—\n\t(a)\ta Pensioner Concession Card issued by the Commonwealth Government; or\n\t(b)\ta Low Income Health Care Card issued by the Commonwealth Government; or\n\t(c)\ta TPI Gold Repatriation Health Card issued by the Commonwealth Government; or\n\t(d)\ta War Widows Gold Repatriation Health Card issued by the Commonwealth Government; or\n\t(e)\ta Gold Repatriation Health Card (EDA) issued by the Commonwealth Government; or\n\t(f)\ta Gold Repatriation Health Card issued by the Commonwealth Government to a person with 80 or more overall impairment points under the Military Rehabilitation and Compensation Act 2004 of the Commonwealth; or\nprescribed payments means—\n\t(a)\tany of the following payments under the Social Security Act 1991 of the Commonwealth:\n\t(i)\tan Austudy payment;\n\t(ii)\ta JobSeeker payment;\n\t(iii)\ta parenting payment;\n\t(vi)\ta special benefit;\n\t(viii)\ta youth allowance; or\n\t(b)\tAbstudy payments from the Commonwealth Government; or\n\t(c)\tpayments under the Community Development Employment Project or Remote Jobs and Economic Development Program established by the Commonwealth Government; or\n\t(d)\tSelf‑Employment Assistance allowance payments from the Commonwealth Government; or\n\t(e)\ta pension as a war widow under legislation of the United Kingdom or New Zealand; or\n\t(f)\tfarm household allowance payments under the Farm Household Support Act 2014 of the Commonwealth;\nrelevant asylum seeker means a person who is seeking recognition as a refugee who—\n\t(a)\tholds a bridging visa granted under the Migration Act 1958 of the Commonwealth that is classified as Bridging E under the Migration Regulations 1994 of the Commonwealth (a bridging visa E); or\n\t(b)\thas applied for a bridging visa E but whose application has not yet been determined; or\n\t(c)\thas held a bridging visa E but no longer holds such a visa or any other class of visa under the Migration Act 1958 of the Commonwealth; or\n\t(d)\tis receiving support through the Status Resolution Support Service program delivered by, or on behalf of, the Australian Government;\nresident contract has the same meaning as in the Supported Residential Facilities Act 1992;\nresidential park site agreement has the same meaning as in the Residential Parks Act 2007;\nresidential park tenancy agreement has the same meaning as in the Residential Parks Act 2007;\nrooming house agreement has the same meaning as in the Residential Tenancies Act 1995;\nrooming house resident has the same meaning as in the Residential Tenancies Act 1995;\nspouse—a person is the spouse of another if they are legally married;\nsupported residential facility has the same meaning as in the Supported Residential Facilities Act 1992;\nwater rates means—\n\t(a)\trates under the Irrigation Act 2009; or\n\t(b)\trates under the Renmark Irrigation Trust Act 2009.\n\t(2)\tFor the purposes of these regulations, a person will be taken to occupy land as the person's principal place of residence in a prescribed capacity only if the person occupies the land as the person's principal place of residence—\n\t(a)\tas sole or joint proprietor of an estate in freehold in possession; or\n\t(b)\tas sole or joint proprietor of a Crown lease or Crown under lease; or\n\t(c)\tas the purchaser of an estate in fee simple under an agreement for sale and purchase where the purchase price is payable in more than 2 instalments; or\n\t(d)\tas the occupier under an agreement to occupy provided that—\n\t(i)\tno rent is payable; and\n\t(ii)\tthe tenure is for the life of the occupier and not subject to earlier determination except by the occupier; and\n\t(iii)\tthe occupier is liable for all rates and taxes; or\n\t(e)\tas—\n\t(i)\tjoint proprietor with other persons who own; or\n\t(ii)\ta shareholder in a body corporate that owns,\na block of home units or other group residential premises (the person to be regarded for the purposes of this paragraph as being the sole or joint proprietor of the home unit or residential premises the person occupies); or\n\t(f)\tas a lessee or licensee of land other than Crown land under a lease or licence that extends for 5 or more years and under which the dwelling occupied by the person on that land remains the property of that person; or\n\t(g)\tas the occupier of a house or residential unit in an approved aged persons housing scheme; or\n\t(h)\tas the spouse or domestic partner of any of the persons referred to in paragraphs (a) to (g); or\n\t(i)\tas a beneficiary under an estate entitling the person to occupy the property in 1 of the capacities referred to in paragraphs (a) to (g).\n\t(3)\tIn these regulations, if a monetary amount is followed by the word (indexed), the amount is, subject to subregulation (4), to be adjusted on 1 July of each year beginning on 1 July 2021, by multiplying the stated amount by a multiplier obtained by dividing the CPI for the December quarter of the immediately preceding year by the CPI for the December quarter of 2023 (with the amount so adjusted being rounded up to the nearest multiple of 10 cents).\n\t(4)\tIf an amount to be remitted or paid in a financial year is, when adjusted in accordance with subregulation (3), less than the amount remitted or paid in the immediately preceding financial year, the amount to be remitted or paid will not be the amount as adjusted in accordance with subregulation (3), but will instead be an amount equal to the amount remitted or paid in the immediately preceding financial year.\n4—Prescribed classes of person (section 2(2) and (3))\n\t(1)\tFor the purposes of section 2(2)(b)(ix) of the Act, the following classes of person are prescribed:\n\t(a)\tspouses and domestic partners of any of the persons referred to in subparagraphs (i) to (vii) of section 2(2)(b) of the Act;\n\t(b)\tpersons who are granted a right of occupancy under a residential park site agreement;\n\t(c)\tspouses and domestic partners of persons who are granted a right of occupancy under a residential park site agreement.\n\t(2)\tFor the purposes of section 2(3)(b)(ii) of the Act, the following classes of person are prescribed:\n\t(a)\tpersons who are granted a right of occupancy under a residential park tenancy agreement;\n\t(b)\tpersons who are rooming house residents under a rooming house agreement;\n\t(c)\tpersons who are residents under a resident contract relating to a supported residential facility;\n\t(d)\tpersons who are granted a right of occupancy of premises, or part of premises, under a written agreement (other than as a tenant specified in a residential tenancy agreement or under an agreement or contract referred to in a preceding paragraph) that is approved by the Minister.\n5—Remission of water rates\n\t(1)\tSubject to subregulation (2), a ratepayer is entitled under the Act to a remission of water rates for land if—\n\t(a)\ton the relevant date—\n\t(i)\tthe ratepayer holds a prescribed card or is in receipt of prescribed payments; and\n\t(ii)\tthe ratepayer occupies the land as the ratepayer's principal place of residence in a prescribed capacity; or\n\t(b)\ton the relevant date—\n\t(i)\tthe spouse or domestic partner of the ratepayer holds a prescribed card or is in receipt of prescribed payments; and\n\t(ii)\tthe ratepayer and the ratepayer's spouse or domestic partner occupy the land as their principal place of residence in a prescribed capacity; or\n\t(c)\tat the time of recovery of the rates—\n\t(i)\tthe ratepayer satisfies the Minister, by submitting to a means test determined by the Minister, that the ratepayer is suffering exceptional circumstances of hardship; and\n\t(ii)\tthe ratepayer occupies the land as the ratepayer's principal place of residence in a prescribed capacity.\n\t(2)\tA ratepayer who satisfies the conditions set out in subregulation (1)(a) or (b) on the date on which the rates are payable by the ratepayer but not on the date on which the ratepayer is billed with the rates must, in addition, have been entitled to a remission of water rates for the preceding rating period in respect of the same or different land.\n\t(3)\tIf 2 or more persons own land jointly or as tenants in common, each of them who is entitled to a remission of water rates for the land is entitled to a proportion of the amount of the remission equal to the proportion of the person's interest in the land.\n\t(4)\tThe amount of the remission of water rates for land for a financial year is 30% of the amount of the rates, subject to the prescribed minimum remission and the prescribed maximum remission for that year.\n\t(5)\tIn this regulation—\nprescribed maximum remission for a financial year means—$377.00 (indexed);\nprescribed minimum remission for a financial year means—$236.40 (indexed);\nrelevant date means—\n\t(a)\tthe date on which the person is billed with the rates; or\n\t(b)\tthe date on which the rates are payable by the person.\n6—Eligible person (section 3(1))\nThe following classes of person are prescribed for the purposes of section 3(1) of the Act:\n\t(a)\tholders of a prescribed card;\n\t(b)\tholders of a Commonwealth Seniors Health Card issued by the Commonwealth Government;\n\t(c)\tpersons in receipt of prescribed payments;\n\t(d)\tlow income earners;\n\t(e)\trelevant asylum seekers;\n\t(f)\tpersons eligible for a support package for persons fleeing international conflict provided by the South Australian Government.\n7—Concession eligibility requirements (section 3(2)(b))\n\t(1)\tFor the purposes of section 3(2)(b) of the Act, the following eligibility requirements are prescribed:\n\t(a)\tsubject to subregulation (2), it is a requirement that the eligible person must have, before 31 December in that financial year, applied to the Minister in a manner and form determined by the Minister (and the application must have been accompanied by any documents or information required by the Minister in connection with the application);\n\t(b)\tit is a requirement that the Minister has been provided with ADI account details which will allow the payment under section 3(2) of the Act for that financial year to be made to the person by electronic funds transfer;\n\t(c)\tsubject to subregulations (3) and (3aa), it is a requirement that no other eligible person has been given a payment under section 3(2) of the Act for that financial year in respect of the same residential premises.\n\t(2)\tThe eligibility requirement set out in subregulation (1)(a) does not apply to an eligible person if the person received a payment under section 3(2) of the Act for the previous financial year in respect of the same residential premises.\n\t(3)\tThe eligibility requirement set out in subregulation (1)(c) does not apply to an eligible person who is a person referred to in regulation 4(2)(b) or (c) (the relevant person) unless the other eligible person referred to in subregulation (1)(c) is a resident in the same room as the relevant person.\n\t(3aa)\tDespite the requirement set out in subregulation (1)(c), the Minister may, if the Minister considers that it is appropriate in the circumstances, approve that payment of a concession to an eligible person be split, in the manner determined by the Minister, between the eligible person and 1 or more other eligible persons who reside at the same residential premises.\n\t(3a)\tSubject to subregulations (3b) and (3c), a person who, in a financial year (the relevant financial year), enters into the Switch for Solar program administered by the State Government for the installation of solar panels is not eligible for a payment under section 3(2) of the Act—\n\t(a)\tfor the relevant financial year; and\n\t(b)\t—\n\t(i)\tin the case of a person who receives or received a payment for the relevant financial year (despite not being eligible for the payment under paragraph (a))—for each of the 10 financial years following the relevant financial year; or\n\t(ii)\tin any other case—for each of the 9 financial years following the relevant financial year.\n\t(3b)\tDespite subregulation (3a)(a), a person who has already received a payment under section 3(2) of the Act for the relevant financial year is not required to return the payment.\n\t(3c)\tThe Minister may determine that subregulation (3a) does not apply to a person in relation to a particular financial year if satisfied that exceptional circumstances exist.\n8—Concession payment amount (section 3(2))\nThe amount to be paid to an eligible person in respect of a financial year in accordance with section 3(2) of the Act is determined to be $255.60 (indexed).\nLegislative history\nNotes\n\t•\tPlease note—References in the legislation to other legislation or instruments or to titles of bodies or offices are not automatically updated as part of the program for the revision and publication of legislation and therefore may be obsolete.\n\t•\tEarlier versions of these regulations (historical versions) are listed at the end of the legislative history.\n\t•\tFor further information relating to the Act and subordinate legislation made under the Act see the Index of South Australian Statutes or www.legislation.sa.gov.au.\nLegislation revoked by principal regulations\nThe Cost of Living Concessions Regulations 2020 revoked the following:\nCost of Living Concessions Regulations 2009\nPrincipal regulations and variations\nNew entries appear in bold.\nYear\nNo\nReference\nCommencement\n2020\n268\nGazette 17.9.2020 p4620 \n30.9.2020: r 2\n2021\n22\nGazette 4.3.2021 p830\n4.3.2021: r 2\n2024\n49\nGazette 6.6.2024 p1349\n1.7.2024: r 2\n2024\n102\nGazette 28.11.2024 p4287\n1.1.2025: r 2\nProvisions varied\nNew entries appear in bold.\nEntries that relate to provisions that have been deleted appear in italics.\nProvision\nHow varied\nCommencement\nr 2\nomitted under Legislation Revision and Publication Act 2002\n4.3.2021\nr 3\n\n\nr 3(1)\n\n\nconcessions website\ninserted by 22/2021 r 4(1)\n4.3.2021\nlow income earner\nsubstituted by 22/2021 r 4(2)\n4.3.2021\nprescribed payments\n(a)(v) deleted by 49/2024 r 3(1)\n1.7.2024\n\n(a)(vii) deleted by 49/2024 r 3(2)\n1.7.2024\n\namended by 49/2024 r 3(3), (4)\n1.7.2024\n\n(a)(iv) deleted by 102/2024 r 3(1)\n1.1.2025\nrelevant asylum seeker\ninserted by 102/2024 r 3(2)\n1.1.2025\nresident contract\ninserted by 102/2024 r 3(2)\n1.1.2025\nrooming house agreement\ninserted by 102/2024 r 3(3)\n1.1.2025\nrooming house resident\ninserted by 102/2024 r 3(3)\n1.1.2025\nsupported residential facility\ninserted by 102/2024 r 3(4)\n1.1.2025\nr 3(3)\namended by 49/2024 r 3(5)\n1.7.2024\nr 4\n\n\nr 4(2)\nsubstituted by 102/2024 r 4\n1.1.2025\nr 5\n\n\nr 5(5)\n\n\nprescribed maximum remission\namended by 49/2024 r 4(1)\n1.7.2024\nprescribed minimum remission\namended by 49/2024 r 4(2)\n1.7.2024\nr 6\namended by 102/2024 r 5\n1.1.2025\nr 7\n\n\nr 7(1)\nvaried by 22/2021 r 5(1)\n4.3.2021\n\namended by 102/2024 r 6(1), (2)\n1.1.2025\n\n(d) deleted by 102/2024 r 6(3)\n1.1.2025\nr 7(3)\ndeleted by 49/2024 r 5(1)\n1.7.2024\n\ninserted by 102/2024 r 6(4)\n1.1.2025\nr 7(3aa)\ninserted by 102/2024 r 6(4)\n1.1.2025\nr 7(3a)—(3c)\ninserted by 22/2021 r 5(2)\n4.3.2021\nr 7(4) before deletion by 49/2024\n\n\ndesignated amount\ndeleted by 22/2021 r 5(3)\n4.3.2021\nr 7(4)\ndeleted by 49/2024 r 5(2)\n1.7.2024\nr 8\nsubstituted by 49/2024 r 6\n1.7.2024\nSch 1\nomitted under Legislation Revision and Publication Act 2002\n4.3.2021\nHistorical versions\n4.3.2021\n\n1.7.2024\n\n","sortOrder":0}],"analysis":{"issue_detection":{"absurdities":[],"contradictions":[]},"summary":{"complexity_score":2,"scope_assessment":{"changed":false,"description":"Scope cannot be assessed as the legislative text was not available. The document returned only a website error page from the SA legislation portal, preventing any comparison between original intent and enacted provisions."},"complexity_factors":["Document was not retrievable — no substantive legal text was available for analysis","Regulations of this type are typically straightforward administrative instruments with defined eligibility criteria and payment schedules","Complexity cannot be fully assessed without access to the actual regulatory text","Subordinate legislation (regulations) is generally less complex than the parent Act it supports"],"plain_english_summary":"The Cost of Living Concessions Regulations 2020 (SA) set out the detailed rules for government financial concessions that reduce essential household costs (eg. utilities, rates, medical expenses). They operationalise the broader concessions framework by defining eligibility, payment mechanics and administration.\n\nThey primarily affect concession-card holders and low-income South Australians, and matter because they translate into direct annual savings and practical access to relief for people struggling with living costs."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"kimi_summary":{"content_quality":"ok","complexity_score":6,"scope_assessment":{"changed":true,"description":"The legislation has grown significantly beyond simple concession payments. Originally likely focused on basic cash payments to pensioners, the regulations now encompass: complex water rate remission schemes with multiple eligibility pathways; inclusion of asylum seekers and international conflict refugees (2024 amendments); detailed occupancy rules covering modern housing types (residential parks, rooming houses, supported residential facilities); integration with Commonwealth benefit systems through extensive prescribed payment lists; and policy-driven exclusions like the 10-year solar panel program penalty. The 2024 amendments particularly expanded scope to include vulnerable migrant populations and diverse housing arrangements, transforming this from a simple pensioner benefit into a comprehensive social safety net instrument."},"complexity_factors":["15+ defined terms in the interpretation section, including complex nested definitions like 'prescribed capacity' which contains 9 sub-paragraphs with multiple conditions","Extensive cross-referencing to Commonwealth legislation (Social Security Act 1991, Migration Act 1958, Military Rehabilitation and Compensation Act 2004, etc.) and other SA Acts (Family Relationships Act 1975, Residential Tenancies Act 1995, etc.)","Complex conditional logic for water rate remissions with three alternative pathways (regulation 5(1)(a)-(c)) plus additional temporal conditions in regulation 5(2)","Sophisticated indexing mechanism (regulation 3(3)) with CPI calculations, base year of 2023, rounding rules, and a 'no decrease' safeguard (regulation 3(4))","Multiple nested exceptions in eligibility rules, particularly regulation 7 with its complex interaction between subregulations (3), (3aa), (3a), (3b), and (3c) regarding household limits and solar program exclusions","Prescribed capacity definition spans 9 different occupancy scenarios including joint proprietorship, Crown leases, life tenancies, body corporate arrangements, and spousal attribution","Legislative history showing multiple amendments (2021, 2024) with deletions, substitutions, and insertions indicating evolving complexity"],"plain_english_summary":"These regulations set out the rules for who can get financial help with the cost of living in South Australia, and how much they can receive.\n\n**What this covers:**\nThe regulations work under the Cost of Living Concessions Act 1986 to provide two main types of assistance:\n- **Water rate reductions** (remissions) for eligible homeowners and occupiers\n- **Direct cash payments** to help with general living costs\n\n**Who can apply:**\nThe regulations list specific groups who qualify, including:\n- People holding certain Commonwealth concession cards (Pensioner Concession Card, Low Income Health Care Card, various veterans' cards, Commonwealth Seniors Health Card)\n- People receiving specific government payments like JobSeeker, Youth Allowance, parenting payments, or Austudy\n- Low income earners (defined as earning less than a threshold set by the Minister each year)\n- Relevant asylum seekers (people on bridging visas or receiving government support while seeking refugee status)\n- People fleeing international conflict who receive SA Government support packages\n- Spouses and domestic partners of eligible people\n- People living in residential parks, rooming houses, or supported residential facilities\n\n**Key rules:**\n- **Water rates:** Eligible people can get 30% of their water rates remitted (capped at roughly $377 and minimum of roughly $236, with amounts adjusted for inflation each year). You must occupy the land as your main home in specific ways (owning, leasing long-term, being a beneficiary, etc.).\n- **Cash payments:** The standard annual payment is about $255.60 (indexed to inflation). You generally need to apply by 31 December each year, though returning recipients may be processed automatically.\n- **One payment per household:** Usually only one person per home can receive the payment, though the Minister can approve splitting it between residents in exceptional circumstances.\n- **Solar panel exclusion:** If you join the government's \"Switch for Solar\" program to get solar panels installed, you lose eligibility for the cash payment for that year and the next 9-10 years (though you keep any payment already received that year).\n\n**Why it matters:**\nThese regulations determine exactly which vulnerable South Australians get financial relief for essential costs, how much they receive, and what conditions apply. The rules ensure the concessions reach pensioners, low-income workers, job seekers, students, veterans, and asylum seekers while preventing double-dipping and managing costs through the solar program exclusion."},"flash_summary":{"complexity_score":6,"scope_assessment":{"changed":true,"description":"The regulations broaden and refine scope compared with earlier instruments: they newly prescribe additional eligible residential classes (rooming house residents, supported residential facility residents, residents under resident contracts) and include 'relevant asylum seekers' among eligible persons (see r 4(2) and r 6). The list of prescribed Commonwealth payments and cardholders has been amended (see r 3 definitions and legislative history), indexing rules for monetary amounts were added (r 3(3)–(4)), and targeted eligibility limits and exclusions (notably the Switch for Solar multi‑year exclusion and Ministerial exceptions) were introduced or expanded (r 7(3a)–(3c); r 7(3aa)). These changes materially alter who may claim and when, and increase administrative discretion."},"complexity_factors":["Extensive defined terms and cross‑references to multiple Commonwealth and state Acts (definitions in r 3 referencing Social Security Act, Migration Act, Residential Parks Act, etc.)","Indexed monetary amounts with annual CPI adjustments and a floor rule preventing year‑on‑year reductions (r 3(3)–(4))","Multiple eligibility pathways and special classes (prescribed cards/payments, low income earner, relevant asylum seeker, varied residential occupancies) increasing factual complexity (r 6; r 4)","Detailed remission formula for water rates combining percentage, indexed minimum and maximum limits (r 5(4)–(5))","Application and timing rules with exceptions for prior‑year recipients and joint occupants, plus ADI account requirement for payments (r 7(1)–(2))","Targeted exclusions and cooling‑off (Switch for Solar) that create multi‑year ineligibility and an exceptions power for the Minister (r 7(3a)–(3c))","Significant Ministerial discretions (means test for hardship, ability to split payments, approval of certain tenancy agreements) that affect implementation and administrative burden (r 5(1)(c); r 7(3aa); r 4(2)(d))","Multiple amendments and staged commencements recorded in legislative history, which complicate determining current entitlements and past‑to‑present transitions"],"plain_english_summary":"These regulations set who qualifies for South Australia's cost-of-living concessions and how much they receive: an annual cash concession ($255.60 indexed) and a 30% remission of certain water rates (subject to indexed minimum and maximum amounts). They prescribe eligible classes (certain Commonwealth cardholders and payments, low‑income earners, specified residential occupants and asylum seekers), require application or prior‑year entitlement, impose an ADI account requirement, permit Ministerial discretion (splitting payments, means‑testing hardship) and create a multi‑year exclusion for participants in the Switch for Solar program."}},"importantCases":[],"_links":{"self":"/api/acts/cost-of-living-concessions-regulations-2020","history":"/api/acts/cost-of-living-concessions-regulations-2020/history","analysis":"/api/acts/cost-of-living-concessions-regulations-2020/analysis","conflicts":"/api/acts/cost-of-living-concessions-regulations-2020/conflicts","importantCases":"/api/acts/cost-of-living-concessions-regulations-2020/important-cases","documents":"/api/acts/cost-of-living-concessions-regulations-2020/documents"}}