{"id":"F2006L02868","name":"Credit Provider Determination No. 2006-3 (Assignees)","slug":"credit-provider-determination-no-2006-3-assignees","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":60109,"registerId":"commonwealth-F2006L02868-current","compilationNumber":null,"startDate":"2026-04-02","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Credit Provider Determination No. 2006-3 (Assignees)","content":"Credit Provider Determination No. 2006-3 (Assignees)\n\nPrivacy Act 1988\n\nUnder s.11B(1)(b)(v)(B) of the Privacy Act 1988, I, Karen Curtis, Privacy Commissioner, determine that:\n\n1\\. A corporation which acquires the rights of a credit provider with respect to the repayment of a loan (whether by assignment, subrogation or other means) shall, in relation to that loan, be regarded as the credit provider for the purposes of the Privacy Act.\n\n2\\. A corporation deemed to be a credit provider by virtue of paragraph 1, above, shall, for the purposes of the Privacy Act, be regarded as the credit provider to whom the loan application was submitted, or who provided the loan.\n\n3\\. This Determination relates to those corporations which are not already credit providers by virtue of paragraphs (a) or (b)(iii) to (iv) of s. 11B(1) of the Privacy Act.\n\n4\\. This Determination continues the effect of Determination 2003 No.2 which expires on 31 August 2006.\n\n5\\. This Determination is effective from 1 September 2006 to 31 August 2011 (inclusive).\n\nThe background to, and reasons for, making this determination are set out in the explanatory statement lodged for registration, together with this determination, on the Federal Register of Legislative Instruments.\n\nKaren Curtis\n\nPrivacy Commissioner\n\n21 August 2006","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-batch","completionTokens":2025},"content_quality":"ok","complexity_score":2,"rejection_reason":"","scope_assessment":{"changed":false,"description":"Continues the existing scope of the predecessor determination (2003 No.2) without expansion, maintaining the same coverage of assignee corporations and avoiding overlap with existing credit provider categories."},"complexity_factors":["Very short instrument with only 5 operative paragraphs","Single cross-reference to Privacy Act section 11B(1)","Uses undefined technical legal terms ('subrogation', 'assignment')","Simple conditional logic limiting application to non-existing credit providers"],"plain_english_summary":"When a corporation acquires the rights to collect a loan (by sale, assignment, subrogation or other transfer), it is treated as the “credit provider” under the Privacy Act 1988. That buyer must follow the same privacy rules as the original lender for credit history and repayment information, ensuring consumer privacy protections travel with the loan unless the firm is already a credit provider."}},"importantCases":[],"_links":{"self":"/api/acts/credit-provider-determination-no-2006-3-assignees","history":"/api/acts/credit-provider-determination-no-2006-3-assignees/history","analysis":"/api/acts/credit-provider-determination-no-2006-3-assignees/analysis","conflicts":"/api/acts/credit-provider-determination-no-2006-3-assignees/conflicts","importantCases":"/api/acts/credit-provider-determination-no-2006-3-assignees/important-cases","documents":"/api/acts/credit-provider-determination-no-2006-3-assignees/documents"}}