{"id":"F2011L01647","name":"Credit Provider Determination No. 2011-1 (Assignees)","slug":"credit-provider-determination-no-2011-1-assignees","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":126043,"registerId":"commonwealth-F2011L01647-current","compilationNumber":null,"startDate":"2026-04-03","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Credit Provider Determination No. 2011-1 (Assignees)","content":"Credit Provider Determination No. 2011-1 (Assignees)\n\nPrivacy Act 1988 (Cth)\n\nUnder s 11B(1)(b)(v)(B) of the Privacy Act 1988, I, Timothy Pilgrim, 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.\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.\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.\n4.  This Determination is effective from 1 September 2011 to 31 August 2014 (inclusive).\n\nTimothy Pilgrim\n\nPrivacy Commissioner\n\n8 August 2011","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-batch","completionTokens":3046},"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"This is the original determination (No. 2011-1) establishing the scope; it has not been subsequently expanded beyond its initial purpose of deeming assignees and successors in title to be credit providers under the Privacy Act."},"complexity_factors":["Short instrument with only 4 operative paragraphs","Relies on undefined technical legal terms (assignment, subrogation) from property and insurance law","References specific external statutory provisions (s 11B(1)(b)(v)(B)) without reproducing the text","Temporal limitation creates conditional operation (sunset clause)"],"plain_english_summary":"This ruling treats companies that buy debts (by assignment, subrogation or similar transfers) as “credit providers” under the Privacy Act 1988, closing a loophole that could have left consumers’ credit and personal data less protected after a loan sale.  \n\nIt applies to corporations that weren’t already credit providers and was in force from 1 Sep 2011 to 31 Aug 2014."}},"importantCases":[],"_links":{"self":"/api/acts/credit-provider-determination-no-2011-1-assignees","history":"/api/acts/credit-provider-determination-no-2011-1-assignees/history","analysis":"/api/acts/credit-provider-determination-no-2011-1-assignees/analysis","conflicts":"/api/acts/credit-provider-determination-no-2011-1-assignees/conflicts","importantCases":"/api/acts/credit-provider-determination-no-2011-1-assignees/important-cases","documents":"/api/acts/credit-provider-determination-no-2011-1-assignees/documents"}}