{"id":"F2011L01649","name":"Credit Provider Determination No. 2011-3 (Indigenous Business Australia)","slug":"credit-provider-determination-no-2011-3-indigenous-business-australia","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":126049,"registerId":"commonwealth-F2011L01649-current","compilationNumber":null,"startDate":"2026-04-03","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Credit Provider Determination No. 2011-3 (Indigenous Business Australia)","content":"---\nmeta-content-style-type: text/css\nmeta-content-type: application/xhtml+xml; charset=utf-8\nmeta-generator: Aspose.Words for .NET 20.2\n---\n\n?xml version=\"1.0\" encoding=\"utf-8\" standalone=\"no\"?>\n\nCredit Provider Determination No. 2011-3 (Indigenous Business Australia)\n\nPrivacy Act 1988 (Cth)\n\n \n\nUnder s 11B(1)(d)(ii) of the Privacy Act 1988, I, Timothy Pilgrim, Privacy Commissioner, determine that:\n\n1. The Australian Government agency Indigenous Business Australia (IBA), established under Part 4 of the Aboriginal and Torres Strait Islander Act 2005 (Cth), is a credit provider for the purposes of the Privacy Act.\n2. This Determination is effective from 31 October 2011 to 30 October 2014 (inclusive).\n\n\n \n\n \n\n \n\n \n\nTimothy Pilgrim\n\nPrivacy Commissioner\n\n8 August 2011\n","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-batch","completionTokens":2384},"content_quality":"ok","complexity_score":1,"scope_assessment":{"changed":false,"description":"This is a standalone original determination establishing that IBA is a credit provider. It does not represent an amendment or expansion of a previous version of this instrument."},"complexity_factors":["Single operative provision with no subsections or paragraphs","No defined terms or interpretation section","Only one external reference (to the enabling power in s 11B)","Unconditional declaration containing no exceptions, conditions, or procedural requirements"],"plain_english_summary":"**What this does:** This determination declares that **Indigenous Business Australia (IBA)** is a \"credit provider\" under the *Privacy Act 1988*.\n\n**Why it matters:**\n- As a \"credit provider,\" IBA must comply with the credit reporting rules in the Privacy Act (Part IIIA). These rules strictly regulate how lenders handle personal information about loans, credit history, and repayments.\n- This subjects IBA—an agency that supports Indigenous entrepreneurs with business finance—to the same privacy obligations as banks and commercial lenders when dealing with borrowers' credit information.\n\n**Context:**\nThe Privacy Commissioner made this declaration under a specific power (section 11B) that allows the Commissioner to classify certain government agencies as credit providers. The determination was time-limited, meaning IBA was bound by these enhanced credit privacy rules only during the specified effective period."}},"importantCases":[],"_links":{"self":"/api/acts/credit-provider-determination-no-2011-3-indigenous-business-australia","history":"/api/acts/credit-provider-determination-no-2011-3-indigenous-business-australia/history","analysis":"/api/acts/credit-provider-determination-no-2011-3-indigenous-business-australia/analysis","conflicts":"/api/acts/credit-provider-determination-no-2011-3-indigenous-business-australia/conflicts","importantCases":"/api/acts/credit-provider-determination-no-2011-3-indigenous-business-australia/important-cases","documents":"/api/acts/credit-provider-determination-no-2011-3-indigenous-business-australia/documents"}}